Zero down, no mortgage insurance, and no loan limit for Veterans. Manufactured, mobile, and modular homes on land you own, underwritten in-house by a veteran-owned bank.
Manufactured Nationwide is one of the nation's leading VA lenders for manufactured, mobile, and modular homes, offering true 100% financing with zero down and no monthly mortgage insurance in all 50 states. As a veteran-owned, in-house direct lender, we finance doublewide and larger manufactured homes and modular homes on land you own, with no VA loan limit for fully entitled Veterans and jumbo amounts up to $10 million. Eligible Veterans can also access up to $50,000 in extra funds and save up to 30% on real estate commissions. This page covers buying an existing home; a new home from a dealer uses our VA construction loan.
Yes. Eligible Veterans, active duty service members, and surviving spouses can buy a manufactured or modular home with a VA loan at true 100 percent financing, zero down, and no monthly mortgage insurance. The home has to be a doublewide or larger, permanently affixed to a foundation on land you own, and your primary residence. Homes on rented or leased land, family land, or in a mobile home park do not qualify, and the home must be built after June 15, 1976 with the tongue and axles removed.
This is what we do. Manufactured Nationwide is a veteran-owned, in-house direct lender that specializes in VA manufactured, mobile, and modular home loans in all 50 states, including the files big banks turn away. Many lenders will not finance a manufactured home to 100 percent, or will not touch anything but perfect credit. We can, because we underwrite in-house and understand these homes better than a general lender ever will.
To a lender, manufactured and mobile mean the same home, and a VA loan can finance both when they qualify as real property. A doublewide or larger home that is permanently affixed to land you own, titled as real estate, and used as your primary residence is eligible for the full VA benefit. Modular homes are the easy case: they are treated as traditional single-family homes, so they qualify on standard VA terms with 100 percent financing and no mortgage insurance.
The VA loan is the strongest mortgage a manufactured homeowner can get. No other program combines zero down, no monthly mortgage insurance, competitive rates, and no loan limit for fully entitled Veterans. If you have earned this benefit, a manufactured or modular home is one of the best ways to use it, and we will make sure you get every part of it.
Here is what it takes to qualify at a glance. Every file is different, and our in-house team works with you on the details.
| Requirement | VA Manufactured Home Purchase |
|---|---|
| Down Payment | 0%, true 100% financing with full entitlement |
| Mortgage Insurance | None, a one-time VA funding fee applies and is waived for eligible disabled Veterans |
| Loan Limit | No limit with full entitlement, up to $10 million on existing manufactured and modular homes |
| Credit | Standard-balance purchase: 580 and up preferred, as low as 550 case by case with strong compensating factors. Jumbo-range VA (above your county conforming limit): 620 and up. All underwritten in-house. |
| Eligible Homes | Doublewide or larger manufactured homes, plus modular homes |
| Property | Existing home, tongue and axles removed, permanently affixed to land you own, built after June 15, 1976 |
| Occupancy | Primary residence |
| Eligibility | Valid VA entitlement (COE), for Veterans, active duty, and eligible surviving spouses |
All terms are for qualified borrowers with valid VA entitlement and subject to credit approval and property eligibility. Homes on rented, leased, or family land, or in a park, do not qualify. This program is for an existing home; new-from-dealer homes use our VA construction loan. Credit and down payment requirements vary by loan amount, county, and program.
One of the biggest advantages of a VA loan is that it can cover the land and the home together. You can use land you already own, land that still has a balance, or land you are buying, and roll it into one loan with the manufactured or modular home. For a Veteran, that can mean zero out of pocket for a complete land-and-home package.
There is one important distinction. Buying an existing home that is already set on the land you will own at closing is a standard VA purchase, and it is what this page covers. If the home is coming new from a dealer and still has to be delivered and set on the land, that is construction, and it runs through our VA hybrid, one-time-close, and two-time-close construction loans instead.
This page is for buying an existing manufactured or modular home that is already permanently set on its foundation on land you will own at closing. That is a true VA purchase, standard process, standard timeline.
A brand new home from a dealer is different. It has to be ordered, delivered, set up, connected, and permanently affixed to your homesite before it becomes real property, which is construction, not a purchase. Those loans involve draws, inspections, and a more involved process, and they run through our manufactured and modular construction loans. People mix these up constantly, so if your home is coming new from a dealer, start there. If it is already on its land, you are in the right place.
Found the right home but it needs work? You do not have to choose between buying it and fixing it. With a VA renovation loan, eligible Veterans can roll approved renovation costs into the purchase, so you close on one loan with the home and the updates included. We appraise the property as if the renovations are already complete, then roll the work from an approved contractor into your loan on top of your negotiated price.
That means you can walk into a manufactured or modular home, change the carpet, paint, appliances, or more, and finance it all with your VA benefit. See our manufactured renovation and improvement loans page for how the renovation programs work, including our in-house portfolio options for larger projects.
For an eligible Veteran, the VA loan outclasses every other program on a manufactured home. Here is how it compares.
| On a Manufactured Home | VA | FHA | Conventional |
|---|---|---|---|
| Down Payment | 0% | 3.5% | As low as 5% |
| Monthly Mortgage Insurance | None | Required (MIP) | PMI until 20% equity |
| Loan Limit | None with full entitlement | Set by county | Set by county |
| Credit Flexibility | Most flexible, in-house | Flexible | Strictest |
| Best For | Eligible Veterans | Lower credit or low down | Strong credit, larger down |
For an eligible Veteran buying a manufactured or modular home, the VA loan is almost always the strongest option: nothing down, no monthly mortgage insurance, and no loan limit. All programs are subject to credit approval and property eligibility.
The VA loan is the most powerful mortgage available to those who served, and it is even stronger on a manufactured or modular home, where most lenders fall short.
True 100 percent financing, zero down, zero out of pocket
No monthly mortgage insurance, ever, unlike FHA or conventional
No VA loan limit for fully entitled Veterans, up to $10 million dollars on existing homes
Taxes and insurance escrowed into one predictable payment
Credit considered case by case, including lower scores, underwritten in-house
Up to *$50,000 dollars in extra unsecured funds for eligible Veterans
Save up to 30 percent on real estate commissions nationwide
Veteran-owned bank, in-house underwriting, licensed in all 50 states
Credit should not stand between a Veteran and a home. Low credit, thin or no active credit, a past late payment, an older bankruptcy, medical collections, or a rough stretch does not automatically end the conversation. Because we underwrite in-house, our loan committee can look at the whole file rather than a single number, and we routinely approve VA manufactured loans that other lenders decline.
On an existing home we prefer a 580 score and up, and we have approved files as low as 550 case by case when the rest of the picture is strong. Compensating factors, steady income, reserves, and a clean recent payment history carry more weight when credit is lower. New-from-dealer and construction loans start at 640. Jumbo-range VA loans above your county limit start at 620, and jumbo-range construction is higher, generally around 720. The right move is to let us look at your real situation and tell you honestly where you stand. Not every VA lender will work a lower-credit file. We will.
Fully entitled Veterans no longer have a VA loan limit, so your buying power is not capped by a county number. For a manufactured or modular home that is a rare advantage, because no conventional jumbo program pairs a high ceiling with zero down and no monthly mortgage insurance.
When your loan amount rises above the conforming limit for your county, it becomes jumbo-range VA financing. The VA benefit still applies, with zero down available on full entitlement and no monthly mortgage insurance, but larger balances carry their own underwriting. On jumbo-range VA manufactured and modular loans our bank generally looks for a 620 credit score, higher than the 580 preferred on standard-balance purchases, because larger loans carry more risk for any lender. Exact terms depend on your entitlement, loan amount, and county, and every file is reviewed in-house.
If your purchase is above the conforming range, these companion pages cover high-balance and jumbo VA financing in full. Our sister site VA Nationwide's VA jumbo loans page details the no-limit rules and how down payment is calculated above county limits, and BuildBuyRefi's VA and conventional jumbo programs page compares jumbo options across loan types. To estimate a payment at your target price, use our manufactured home mortgage calculator.
Jumbo-range VA financing is for qualified borrowers with valid VA entitlement and is subject to credit approval, property eligibility, and program guidelines. VA construction loans start at a 640 credit score, and jumbo-range construction is higher, generally around 720. Conventional jumbo programs typically require higher scores than VA jumbo. Credit and down payment requirements vary by loan amount, county, and program.
Getting into a manufactured home with your VA benefit is simpler than most people expect. Here is how it works, from start to keys.
Check your eligibility. Start with our quick form or a call. There is no credit pull to see what you qualify for.
Get your Certificate of Eligibility. If you do not have your COE, we can pull it with your DD-214.
Get pre-qualified. We review your basics and send a pre-qualification letter so you can shop and make strong offers.
Find your home. Choose an existing doublewide or larger manufactured home, or a modular home, on a permanent foundation on land you own. We work with your agent or help you find one.
Submit your documents. Send the items in the checklist below so we can move quickly.
Appraisal and in-house underwriting. We order the VA appraisal and underwrite in-house, which is where our flexibility comes in.
Close and get your keys. Sign at closing with zero down, and the home is yours.
Having these ready makes for a fast, smooth approval. You do not need everything perfect to start; we can begin with a conversation.
Your VA benefit already saves you the down payment and mortgage insurance. We help you save even more at the table. When you buy or sell through our program, eligible Veterans can save up to 30 percent on real estate agent commissions in all 50 states, applied toward closing costs, on top of everything the VA gives you.
When you buy or sell through our program, eligible Veterans can save up to 30% on real estate agent commissions in all 50 states, applied toward your closing costs, on top of your VA benefits. See the full Real Estate Commission Savings program.
On top of your zero-down VA loan, eligible Veterans can access up to *$50,000 in separate, unsecured funds, underwritten in-house alongside your mortgage. It does not touch your VA entitlement or your equity. No other lender in this space offers it.
Ask about the extra $50,000 with your VA purchase. See the full Consumer Loan details.
Check Your Eligibility*Qualification for up to $50,000 is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan underwritten in-house at the same time as your mortgage. Proceeds cannot be used for a down payment. Contact your banker for applicable rates, terms, and conditions.
The VA loan is only for those who served, but you do not need to be a Veteran to buy a manufactured home with us. If a VA loan is not for you, our FHA manufactured home purchase loans offer up to 96.5 percent financing with just 3.5 percent down, and our USDA manufactured home loans offer zero down in eligible rural areas. See all of our manufactured home loan programs to compare.
A VA purchase is often the start. Many Veterans later use built-up equity through a VA manufactured cash-out refinance for renovations or debt consolidation. Building instead of buying? See our VA construction loans. And for the full rules on what qualifies, our 2026 VA manufactured home standards and eligibility requirements page covers state-by-state regulations and foundation needs in detail. Run your numbers first with our manufactured home mortgage calculator.
Manufactured Nationwide is built on hard-working bankers who roll up their sleeves for Veterans other lenders send away. If you have been turned down, or you just want a banker who will actually listen and fight for your loan, this is the place. We bring over 100 years of combined mortgage experience to your file, and because we underwrite VA manufactured loans in-house, we can approve what a general lender cannot.
From doublewide to triplewide, modular to barndominium, we help Veterans buy the manufactured home that is right for them, with the full power of the VA benefit behind it. When other VA lenders fall flat before closing, we get it done.
Yes. Eligible Veterans, active duty, and surviving spouses can buy a manufactured or modular home with a VA loan at 100 percent financing, zero down, and no monthly mortgage insurance. The home must be a doublewide or larger, permanently affixed on land you own, and your primary residence. As a veteran-owned in-house lender, we specialize in exactly these loans.
Yes, when the mobile or manufactured home qualifies as real property: doublewide or larger, built after June 15, 1976, with the tongue and axles removed, permanently affixed to land you own, and not in a park or on rented or family land. If it meets those conditions, a VA loan can finance it with zero down.
Yes. A VA loan can cover land you already own, land with a balance, or land you are buying, together with the manufactured or modular home. Buying an existing home already set on the land is a standard VA purchase; a new home from a dealer is financed through our VA construction loan instead.
No. Fully entitled Veterans have no VA loan limit. On manufactured and modular homes we lend up to 10 million dollars on an existing home and up to 4.5 million dollars on construction, far beyond any conventional jumbo, all with the backing of your VA benefits.
For an existing manufactured, mobile, or modular home, we prefer a 580 score and up, and have approved files as low as 550 case by case with strong compensating factors. Jumbo-range VA loans above your county conforming limit start at 620. New-from-dealer and construction loans start at 640, and jumbo-range construction is higher, generally around 720. Because we underwrite in-house, our loan committee weighs the whole file, not just the score.
Doublewide and larger manufactured homes and modular homes qualify when they are on a permanent foundation on land you own, built after June 15, 1976, with the tongue and axles removed, and used as your primary residence. Homes on rented or leased land, family land, or in a mobile home park do not qualify.
Yes. Modular homes are treated as traditional single-family homes for VA purposes, so they qualify on standard VA terms with 100 percent financing and no mortgage insurance, on land you own.
No. This VA purchase loan is for buying an existing home already permanently set on its foundation. A new home from a dealer must be ordered, delivered, set, and affixed, which is construction and runs through our VA construction loan.
Yes. Many Veterans buy with a VA purchase loan and later use built-up equity through a VA cash-out refinance for renovations, debt consolidation, or other needs, while keeping the benefits of VA financing. See our VA manufactured cash-out page.
A VA loan is not the only path worth weighing. For the full picture, see our guide to the best loans for manufactured homes and how to choose the right program for you.
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction.
~Tom K. Realtor
Ready to use your benefit? Our process is quick and there is no credit pull to check eligibility. Tell us about the home and your situation, and we will tell you honestly what is possible. Thank you for your service, and let's get you home.
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
*Important: We do not offer financing for homes on rented land or in mobile home parks. For family land, financing is only available if the property is on a separate parcel with no other property, and the borrower must be on the title to that land. Financing is available only for properties permanently affixed to owned land at closing, except for new construction projects. New Dealer Manufactured Home Loans are not available in New York. Modular and site-built land/home construction loans are available in all 50 states.
*Messaging and Data Rates May Apply.
*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.
*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.
*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.
REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.
†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.
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