Manufactured Home Loan Education & Resource Center

Your complete guide to manufactured, modular, factory-built, and land-fixed mobile home financing, written by the team at Manufactured Nationwide.

Whether you're buying your first manufactured home, refinancing for a lower rate, pulling cash out, or financing land and a home together, the right information makes all the difference. Manufactured and modular lending comes with rules most lenders don't understand, and getting it wrong leads to denials and delays.

This resource center brings together every guide, program overview, and educational article published by Manufactured Nationwide, organized by topic so you can find exactly what you need. We finance manufactured, modular, and land-fixed mobile homes in all 50 states, and every page here reflects the programs we actually close. Bookmark this page and check back regularly as we continue adding new guides and program updates.

Use the categories below to jump to the topic that matches where you are in your home loan journey. Each link opens a full guide written by our team.

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Getting Started Guides

New to manufactured home financing, or trying to figure out where to begin? These guides cover the foundational questions buyers ask most, from how to find the right loan to what separates a quality lender from one that will waste your time. Start here if you're early in your research.

Loan Program Guides

These are the core program pages for everything Manufactured Nationwide offers across FHA, VA, USDA, and construction financing. Whether you're buying with little down, refinancing, pulling cash out, building, or financing a high-value home on acreage, start here to understand the program that fits your situation.

Reference & Tools

Quick-access calculators and reference pages for buyers at any stage. Estimate your payment and cash to close, or look up the FHA, VA, and conforming loan limits in your county before your next conversation with a banker.

Requirements & Standards

Manufactured and modular financing lives and dies on whether the home meets program standards, from permanent foundations to HUD code to how the property is titled. This section covers the rules that determine eligibility before you ever apply.

Ready To Take The Next Step?

Reading through our guides is a great start. When you're ready to move from research to action, our team is here to help you figure out exactly which manufactured or modular program fits your situation before you ever fill out an application.

Use our Manufactured Home Loan Calculator to estimate your payment and cash to close, or check your County Loan Limits to understand what you can borrow in your area.

When you're ready, jump straight to our Check Eligibility page for a soft review that won't affect your credit. We finance manufactured, modular, and land-fixed mobile homes in all 50 states.

Want to talk to someone who actually understands manufactured and modular lending guidelines? Visit our Contact page to reach our team directly and get real answers before you commit to anything.

We add new guides and update existing pages regularly. Bookmark this page and check back as programs evolve, loan limits change, and new content goes live.

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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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