Access up to 80% of your home's value, plus *$50,000 extra before or at closing in all 50 states. Rated #1 Manufactured Home Lender for 5 consecutive years by Investopedia.
Yes, you can pull cash from a manufactured home you own, as long as it sits on a permanent foundation and you own the land. The most common path is a cash-out refinance: up to 80% of your home's value with FHA, up to 90% for eligible veterans with VA, and up to 65% with conventional financing.
Unlike most lenders, we also offer home equity loans and HELOCs on manufactured homes by exception, on a case-by-case basis. And when you need more than your equity allows, or your appraisal comes in low, our exclusive Consumer Loan can add up to *$50,000 with no equity required.
Replace your loan and take the difference in cash, up to 80% of value with FHA, up to 90% for veterans with VA, and up to 65% with conventional.
True home equity loans and HELOCs on manufactured homes are exception-only, doublewide or larger, never singlewide, and approved case by case.
A separate unsecured loan of up to *$50,000 that does not depend on your equity position. Not for down payment. Available only through us.
Your home must sit on a permanent foundation, be titled as real property, and you must own the land it sits on.
Texas cash-out caps at 80% across all programs. New York manufactured homes are not yet eligible as real property.
Find Out in MinutesSee how much cash your manufactured home can access. No credit pull.
Check Your EligibilityIf you own a manufactured, modular, or land-fixed mobile home and want to turn your equity into usable cash, this guide is built for you. It covers what you can borrow, how the programs differ, and the honest truth about equity loans most lenders will not tell you.
See how much cash your manufactured home can access. No credit pull.
Check EligibilityAt Manufactured Nationwide, we specialize in FHA Cash-Out Refinance loans for manufactured homes, land-fixed mobile homes, and modular homes. If you're also exploring ways to build from the ground up, we offer a full range of options, including construction loans for manufactured homes solutions tailored for your future dream home.
Access up to 80% of your home's value in cash
Competitive fixed rates with flexible terms
Low credit score requirements (minimum 640 for FHA)
No seasoning period required for rate-and-term refinances
Exclusive access to up to *$50,000 extra with our Mortgage Client Consumer Loan™ for qualified borrowers
Future streamline refinance options without new appraisals
When you search for banks that refinance manufactured homes, look no further than the #1 Manufactured Home Loan Lender rated by Investopedia for five consecutive years. Manufactured Nationwide is committed to getting you the cash you need and the terms you deserve.
Want to tap your equity without replacing your current mortgage? Home equity loans, HELOCs, and HELOANs on manufactured homes are rare and offered only by exception, doublewide or larger, on land you own, never singlewide. We cover every option in depth, including who actually offers them and how our in-house exception program works, on our manufactured home equity loans, HELOC, and HELOAN page. For most homeowners, though, the cash-out refinance on this page is the more reliable and widely available way to reach your equity, and if you need funds beyond your equity, our Consumer Loan can add up to $50,000 more.
Skip the math. Use the cash-out calculator on this page to see your number instantly.
Open the CalculatorEstimate the cash you can access from your manufactured, modular, or land-fixed mobile home, plus up to $50,000 with our exclusive Consumer Loan.
Your equity starts with your home's appraised value, not what you paid or what you owe. A licensed appraiser determines current value based on the home, the land, condition, and comparable sales nearby. Manufactured homes on a permanent foundation and titled as real property appraise like site-built homes. Rural areas with few comparable sales can make appraisal harder, which is one reason an experienced manufactured lender matters.
Once you know your value, your accessible cash is limited by your program's loan to value cap. Multiply your appraised value by the cap, 80% for FHA, 65% for conventional, or up to 90% for VA, then subtract what you still owe. The difference, minus closing costs, is your cash. In Texas, all programs cap at 80%. If the number comes up short, our Consumer Loan can add up to *$50,000 on top.
To qualify for an FHA cash-out refinance with Manufactured Nationwide, your home must meet these criteria:
Home Ownership: You must own both the home (manufactured, land-fixed mobile, or modular) and the land it sits on
Foundation: The home must be permanently affixed to a foundation
Primary Residence: The property must be your primary residence
Equity: You need at least 20% equity in your home (80% max LTV). FHA manufactured home lenders follow specific appraisal and equity requirements when offering cash-out options to homeowners.
Credit Score: Minimum score of 640 for FHA loans
Debt-to-Income Ratio: Typically, your DTI should be 43% or lower
HUD Compliance: Your home must meet HUD's Manufactured Home Construction and Safety Standards
Manufacturing Date: The home must have been built after June 15, 1976
Seasoning: 12-month seasoning requirement for cash-out refinances, meaning you must have owned the home a minimum of 12 months before receiving cash back.
Land Ownership: We do not offer loans for homes on leased land, rented land, or family land
Property Type: We do not refinance chattel-titled homes. Home equity loans and HELOCs are offered only by exception on a case-by-case basis. See the equity options section above.
Important Note: While we serve all 50 states, manufactured homes in New York are not eligible as they're not currently treated as real estate property. However, we do offer loans for modular homes and other property styles in New York.
Curious how your loan might stack up? Try our easy-to-use manufactured home loan calculator to estimate payments based on your home's value and financing needs.
Not sure if you qualify? Our expert loan officers at Manufactured Nationwide are ready to guide you through the process.
FHA manufactured home lenders follow specific appraisal and equity requirements when offering cash-out options to homeowners.
Not on a permanent foundation. Homes resting on blocks without footings or anchoring fail the permanent foundation standard.
Land not owned. The home sits on leased, rented, or family land. The borrower must own the land.
Still titled as personal property. A chattel-titled home must be converted to real property before a cash-out.
Built before June 15, 1976. A pre-HUD-Code home does not qualify and no lender can override it.
Not enough equity. The current balance is at or above the program's loan to value cap after costs.
Singlewide seeking a standalone equity loan. Equity loans and HELOCs are not offered on singlewides.
Credit below program minimums. 640 for FHA or 600 for VA. Close files can be reviewed for compensating factors.
Located in New York. New York does not yet treat manufactured homes as eligible real property.
Manufactured Homes: Built entirely in a factory and transported to the site, usually referred to as single-wide, double-wide, triple-wide, or quadruple-wide manufactured homes.
Land-Fixed Mobile Homes: Originally mobile but now permanently affixed to owned land, must be built after June 15, 1976 to qualify and not moved after original install date.
Modular Homes: Built in sections in a factory, then assembled on-site, can be assembled in many more sections than even a quadruple-wide.
No matter which type of home you have, Manufactured Nationwide has financing solutions to fit your needs.
Usually, yes, but not through our bank since we are not currently offering cash out for single-wides at this time. You may find chattel loan lenders or credit unions offering this. A singlewide can qualify for a cash-out refinance when it is on a permanent foundation, titled as real property, on land you own, and built after June 15, 1976. The limit on singlewides is the standalone equity loan and HELOC, which we do not offer on singlewides. For pulling cash, the refinance path is open to singlewide owners who meet the program rules.
Doublewide and larger homes have the most options. They qualify for cash-out refinancing on FHA, VA, and conventional terms, and they are the only manufactured homes we will consider for a rare exception-based equity loan. Larger homes also tend to appraise more strongly, which can mean more accessible cash.
Sometimes your equity alone is not enough, or your appraisal comes in lower than you hoped. Qualified borrowers can access up to *$50,000 in additional funds, before or at closing, regardless of equity position. It is a separate unsecured loan underwritten in-house at the same time as your home loan. No other lender in this space offers it.
See if you qualify for the extra $50,000 alongside your cash-out.
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.
This exclusive offering not found elsewhere truly sets us apart, giving you more options to achieve your financial goals, whether you have a manufactured, land-fixed mobile, modular home, or one of the many property styles we finance.
Check Eligibility Or Complete Application: Complete our simple eligibility form, or a full online application at Manufactured Nationwide. We will assign you to a manufactured banker on our team, and for a complete application, we’ll start with a soft credit pull, which means no dings to your credit until you are ready.
Documentation: Provide necessary documents (income verification, property details). This helps your banker verify all the information you provided on your complete application.
Appraisal: We'll arrange a professional appraisal of your home and start by ordering title, homeowners’ insurance, and any other required inspection reports.
Underwriting: Our in-house team reviews your application. If you require an exception due to extenuating circumstances and have well-documented compensating factors, our in-house loan committee meets weekly to review your file.
Approval: Receive your loan approval and gather any final conditions required before heading to closing. We even have our own doc department that can draw up and send figures to your title company without waiting, unlike many who broker these loans through third-party funders.
Closing: Sign the final documents and receive your funds.
The process is straightforward. You start with a quick eligibility check or full application, we assign you a manufactured banker, and we begin with a soft credit pull that does not affect your score until you are ready. From there we verify documents, order the appraisal and title, and our in-house team underwrites the file. Once approved, we clear final conditions and close, often in as little as 30 days.
With in-house underwriting and our own document department, most cash-out refinances close in as little as 30 days. Timing depends on how quickly the appraisal is completed and how fast you return requested documents, which is why gathering your paperwork early helps.
Cash-out refinances carry standard closing costs such as the appraisal, title, and lender fees, which are typically paid at closing or rolled into the loan. Your banker will give you a clear estimate up front, so there are no surprises. Because we lend directly and do not broker through third parties, we keep the process and the costs transparent.
If you're a qualified veteran or active service member considering a VA-backed refinance or purchase, check out our VA manufactured home loan solutions. These options offer up to 90% LTV, no mortgage insurance, and more flexibility for those who’ve served — all backed by the trusted service of Manufactured Nationwide.
Accessible Credit Requirements: With a minimum score of 640 at Manufactured Nationwide, FHA loans are more accessible than many conventional options.
High LTV: Access up to 80% of your home's value with FHA, higher than conventional cash-out, which caps at 65%.
Future Refinancing Options: The FHA Streamline Refinance program allows you to lower your rate in the future without a new appraisal or income verification, and doesn't require a minimum credit score. Not every homeowner needs to pull equity to benefit from refinancing. For borrowers focused on lowering their interest rate or monthly payment, an fha manufactured home loan through a streamline refinance can offer faster approvals with far less documentation.
Flexibility: Use the cash for any purpose - home improvements, debt consolidation, or other financial needs.
50-State FDIC Bank: Direct lending with no middlemen
Veteran-Owned: Proudly serving all Americans and ITIN holders
Specialized Expertise: We understand the unique aspects of manufactured, land-fixed mobile, modular, and factory-built home financing
Mortgage Client Consumer Loan™: Get up to $50,000 extra, perfect for debt consolidation or additional improvements
Competitive Rates: Our volume allows us to offer some of the best rates in the industry
Rapid Approvals: In-house underwriting means faster decisions, internal loan committee that meets weekly means we can make exceptions for compensating factors where others may not in difficult approvals
We offer competitive fixed rates on cash-out loans for manufactured, land-fixed mobile, and modular homes, with terms up to 30 years and no prepayment penalties. Fixed rates mean predictable payments, and FHA borrowers keep the option to streamline refinance later if rates fall.
True equity loan and HELOC rates on manufactured homes vary widely because the products are rare and exception-based. For most homeowners, cash-out refinance rates are more competitive and far easier to lock in. Your banker can quote current cash-out rates for your program and credit profile.
When you choose an FHA cash-out loan, you're setting yourself up for future savings:
Refinance to a lower rate without income verification
No new appraisal required, even if your home value drops
No credit score requirement
Reduced closing costs compared to a new loan
Quick and easy process
This makes FHA loans a smart choice for long-term financial flexibility, regardless of whether you have a manufactured, land-fixed mobile, or seeking to refinance modular homes.
While Manufactured Nationwide serves all 50 states, we've seen particularly high demand in:
Florida: Perfect for retirement or vacation manufactured homes
Texas: Ideal for large land parcels with land-fixed mobile homes, Texas caps out at 80% for all programs
Washington & Oregon: Great for rural and suburban manufactured living
North & South Carolina: Popular for coastal and mountain modular homes
Tennessee & Colorado: Excellent for those seeking affordable mountain living with factory-built homes
Whether you have a manufactured home in Florida, a land-fixed mobile home in Texas, or a modular home in Colorado, Manufactured Nationwide has the expertise to help you cash out your equity.
Yes. With our FHA, VA, and Conventional cash-out refinance programs at Manufactured Nationwide, you can access up to 80% of your manufactured home's value with FHA, up to 90% for eligible veterans with VA, and up to 65% with Conventional financing, provided the home is on a permanent foundation and you own the land.
Traditional home equity loans and HELOCs are rarely available on manufactured or mobile homes, and when offered they are exception-only, typically doublewide or larger, never singlewide, and capped near 80% on a case-by-case basis. The more reliable path is a cash-out refinance. Manufactured Nationwide also offers an exclusive Mortgage Client Consumer Loan of up to *$50,000 for qualified borrowers that does not depend on your equity position.
Our minimum credit score is 640 for FHA loans on manufactured, land-fixed mobile, and modular homes. VA allows down to a 600 credit score. Requirements are subject to change.
You can borrow up to 80% of your home's appraised value with FHA, up to 65% with Conventional, and up to 90% with VA for eligible veterans, minus your current mortgage balance. In Texas, cash-out is capped at 80% across programs. Plus, with our exclusive Mortgage Client Consumer Loan, you may qualify for up to *$50,000 extra before or at closing regardless of your equity position.
Yes, you can use the funds for any purpose, including home improvements, debt consolidation, or other financial needs.
With our streamlined process and in-house underwriting at Manufactured Nationwide, we can often complete the process in as little as 30 days.
No. One of the benefits of having an FHA loan is the ability to use the Streamline Refinance program in the future, which does not require a new appraisal or full income documentation.
For an FHA cash-out refinance with Manufactured Nationwide, your manufactured or mobile home must be on a permanent foundation. We are happy to discuss your options if your home is not currently on a permanent foundation.
Typically you will need proof of income, bank statements, property tax bills, homeowners insurance, and information about your current mortgage. Our loan specialists at Manufactured Nationwide will guide you through the exact requirements.
Our exclusive Mortgage Client Consumer Loan can provide up to *$50,000 in additional, separate unsecured funds underwritten in-house at the same time as your mortgage. It can be used to pay off debt so you qualify for a larger loan, fund renovations, or add a small structure such as a home office or rental unit. It is ideal when your appraised value comes in lower than expected and you cannot access all the equity you wanted. Proceeds cannot be used for a down payment, and it is available to borrowers closing or who have closed a loan with us.
Homes manufactured after this date must comply with the federal HUD Code, which sets standards for construction, strength, durability, fire resistance, energy efficiency, and quality. This date marks the implementation of these federal standards, ensuring the home meets modern safety and quality requirements.
Manufactured homes in New York are not currently eligible because the state does not yet treat them as real estate property. However, we do offer loans for modular homes and other property styles in New York, and we continue to advocate for manufactured homeowners in the state.
Yes, we offer FHA cash-out refinance options for mobile homes permanently affixed to land owned by the homeowner, known as land-fixed mobile homes. The home must not have moved after its original factory installation and must be built after June 15, 1976.
HELOCs on manufactured homes are uncommon and, where offered, are exception-only with strong equity and credit. At Manufactured Nationwide a HELOC requires senior management approval and is rare. For most homeowners a cash-out refinance is more widely available and provides similar access to funds.
Banks that refinance manufactured homes include Manufactured Nationwide, VA Nationwide, BuildBuyRefi.com, and Nationwide Home Loans Group, finance singlewide for purchase, and doublewide or larger for all other loan types. These banks provide FHA, VA, and Conventional refinance options in all 50 states for manufactured, land-fixed mobile, modular, and site-built homes.
Your home's value does not have to sit idle. Whether you want to consolidate debt, fund improvements, or simply put your equity to work, our team will tell you exactly what is realistic for your home and program. Start with a soft credit check that does not affect your score, and let us find your best path to cash.
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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