Can You Do a VA Cash-Out Refinance on a Manufactured Home?

Yes. If you are an eligible Veteran with a manufactured or modular home on a permanent foundation on land you own, a VA cash-out refinance lets you turn your equity into cash you can use for anything. It is the strongest refinance a manufactured homeowner can get, and the VA loan is the only program that can convert up to 100 percent of a home's value into cash. On manufactured homes we typically lend up to 90 percent of value, and up to 100 percent on other property types, with no monthly mortgage insurance.

You do not even need a VA loan today to use it. A VA cash-out can replace a conventional, FHA, or USDA loan on your home with a VA loan and hand you cash at the same time. Manufactured homes are some of the toughest properties to finance, and pulling equity out of them is where most lenders quit. We do not, because we specialize in exactly this.

How Much Can You Cash Out?

A VA cash-out gives Veterans the highest access to equity of any program on a manufactured home. Here is how it compares.

That gap is the whole story. Where a non-Veteran is capped at 80 percent with FHA or around 65 percent with conventional, your VA benefit takes you up to 90 percent on a manufactured home and up to 100 percent on other property types, with no monthly mortgage insurance eating your payment. It is simply the most cash a manufactured homeowner can pull.

VA Cash-Out Refinance Requirements

Here is what it takes to qualify. Every file is different, and we underwrite in-house so we can work with you on the details.

The VA Funding Fee on a Cash-Out

VA loans do not carry monthly mortgage insurance. Instead there is a one-time funding fee, and many Veterans are exempt from it entirely.

What You Can Do With the Cash

There are no restrictions on how you use the cash from a VA cash-out. Veterans use it every day to consolidate high-interest credit card debt into one lower payment, pay off medical bills, fund a child's education, cover an emergency, or start or expand a business. Consolidating higher-interest debt into your mortgage can save hundreds of dollars a month and lock those balances into a low fixed rate instead of a moving credit card rate.

Home improvements are one of the most popular uses. New roof, updated kitchen, a deck or an addition, appliance upgrades, you can pull the equity to pay for it. And if you want to renovate but do not have the equity yet, keep reading, because we have a way to do that too.

Two Unique Options If Your Equity Is Limited

Being near the top of your home's value does not mean you are out of options. First, our renovation programs can lend based on what your home will be worth after the improvements are complete, not just what it is worth today, so you can update the home even at a high loan-to-value. See our manufactured renovation loans for how that works, and our manufactured home equity loans for other ways to tap value.

Second, and this is unique to us, qualified Veterans can access up to *$50,000 dollars in separate, unsecured funds that do not depend on your equity at all.

VA Cash-Out in Texas

Texas is the one exception Veterans need to know about. Under Texas state homestead law, a VA cash-out refinance is capped at 80 percent of your home's value, lower than the up to 90 percent available in other states. It is a state rule, not our rule, and it applies to every lender. We handle Texas cash-out refinances routinely and will show you exactly what you can access under the 80 percent cap.

Why Refinance With Us, A Nationwide Veteran Owned Bank

The VA itself tells Veterans to shop several lenders, because most of them are middlemen. That is the difference here. We underwrite and fund every loan in-house and never broker it out, which means our rates often come in below the largest VA correspondent lenders, the national names you see advertising everywhere.

It also means we can say yes when they say no. Manufactured cash-out is one of the hardest loans in the business, and a general lender treats it like a problem. We treat it like our specialty, because it is. One veteran-owned bank, one team, from your first call to closing.

VA Cash-Out With Lower Credit

Credit does not have to stop you from using your equity. Because we underwrite in-house, our loan committee looks at the whole file, income, reserves, payment history, and the equity in the home, not just a single score. Veterans with past late payments, older bankruptcies, medical collections, or a lower score routinely get approved with us when a big lender would auto-decline.

On a VA manufactured cash-out we have gone down to a 550 score, and we prefer 600 and up, with exceptions made case by case when the rest of the file is strong. Cash-out carries a bit more scrutiny than a purchase since you are pulling equity, so the stronger your income, reserves, and payment history, the more you can access. The right move is to let us look at your real numbers and tell you honestly what is possible.

How to Get a VA Cash-Out Refinance

1. Check your eligibility. Start with our quick form or a call. No credit pull to see what you qualify for.

2. Get your COE. If you do not have your Certificate of Eligibility, we can pull it with your DD-214.

3. Share your basics. Tell us your home's rough value, what you owe, and how much cash you want.

4. Submit your documents. Send the items in the checklist below so we can move quickly.

5. Appraisal and in-house underwriting. We order the appraisal and underwrite in-house, which is where our flexibility comes in.

6. Close and get your cash. Sign at closing, and your funds are on the way.

Documents Needed for a VA Cash-Out Refinance

Having these documents ready makes for a fast, smooth closing.

Not a Veteran? FHA Cash-Out Options For Manufactured Home Styles

The VA cash-out is only for those who served. If you are not a Veteran, you still have strong options: our FHA manufactured cash-out loans let you pull up to 80 percent of your home's value, and conventional cash-out is available with no mortgage insurance at lower limits. Tell us about your situation and we will point you to the best fit.

Other VA Refinance Options

If you are not looking to pull cash out, a VA IRRRL streamline refinance can lower your rate or term with very limited documentation and often no appraisal. To buy rather than refinance, check out our VA manufactured purchase loans page, or run the numbers first with our manufactured home mortgage calculator, and see the full rules on our 2026 VA manufactured home standards page.

Frequently Asked Questions

Can you do a VA cash-out refinance on a manufactured home?

Yes. Eligible Veterans can do a VA cash-out refinance on a manufactured or modular home on a permanent foundation on land they own. It converts equity into cash for any purpose, and the VA loan is the only program that can go up to 100 percent of value, though on manufactured homes we typically lend up to 90 percent and up to 100 percent on other property types.

How much can you cash out with a VA loan on a manufactured home?

Up to 90 percent of value on a manufactured home and up to 100 percent on other property types. That beats FHA at 80 percent for non-Veterans and conventional around 65 percent. In Texas, VA cash-out is capped at 80 percent under state homestead law.

Can you refinance a non-VA loan into a VA cash-out?

Yes. A VA cash-out can replace a conventional, FHA, or USDA loan on your manufactured home with a VA loan and let you take cash out at the same time. You do not need to currently have a VA loan.

What can you use the cash from a VA cash-out for?

Anything you choose, debt consolidation, medical bills, education, home improvements, or a business. There are no restrictions.

What if I do not have enough equity to cash out?

Qualified Veterans can access up to 50,000 dollars in separate unsecured funds that do not depend on equity, and for home projects our renovation programs can lend based on the home's value after the improvements are complete.

Can you do a VA cash-out refinance in Texas?

Yes, but Texas caps VA cash-out at 80 percent of value under state homestead law, lower than the up to 90 percent available elsewhere. We handle Texas cash-out routinely.

What credit score do you need for a VA cash-out on a manufactured home?

We have gone down to a 550 score on a VA manufactured cash-out, and we prefer 600 and up, with exceptions made case by case. Because we underwrite in-house, our loan committee weighs your full file, income, reserves, payment history, and equity, not just the score.

How soon can you do a VA cash-out refinance after buying?

VA cash-out refinances have a seasoning rule: generally you need at least six consecutive monthly payments on your current loan, and the new loan's note date must be at least 210 days after your first payment due date. The refinance also has to provide a clear net tangible benefit. We will confirm your timing up front.

What is the difference between a VA cash-out and a VA IRRRL?

A VA cash-out pulls equity out as cash and can replace any loan type, VA or non-VA, with a VA loan. A VA IRRRL, or streamline, only lowers the rate or term on an existing VA loan, gives you no cash, and uses very limited documentation with often no appraisal. Choose cash-out for cash, IRRRL for a simple rate reduction.

Do you pay a VA funding fee on a cash-out?

Usually yes, but it is a one-time fee that can be rolled into the loan rather than paid out of pocket, and it replaces monthly mortgage insurance. Veterans receiving VA disability compensation, those eligible for it, and surviving spouses receiving DIC pay no funding fee at all.

Who refinances manufactured and mobile homes with a VA loan?

We do. Manufactured Nationwide is a veteran-owned, in-house lender specializing in VA manufactured, mobile, and modular refinances in all 50 states. Because we underwrite and fund in-house and never broker, our rates often come in below the largest VA correspondent lenders.