Can You Finance a Manufactured Home?

by Tim Hart | Jul 29, 2021 12:00:00 PM

In this hot market, manufactured homes are usually more affordable for buyers.

There are some things you need to look out for when you are looking at manufactured homes and financing is needed.

I cover them in the video but the main points are as follows.

  • Built after 1976
  • Own your own land
  • Has to be a double-wide


Firstly, the property needs to be built after 1976, this one is pretty straightforward.

Next comes the tricky one, you HAVE to own your own land. So this means no Co-Ops, no neighborhoods where you rent the lot either, you must own your own land.

Lastly it has to be a double wide sorry, we aren't able to lend on single wide manufactured homes as of now.

So if your property meets these criteria then you are good to go to secure financing!

We can finance these properties with all types of financing as well so you aren't going to be automatically limited to one or two loan types just by choosing a manufactured home like many people may think.

Please call our office at 239-437-4278 if we can help with this or any other financing question.


If you are ready to get started, we are here to help!



Born and raised in Southwest Florida, I have been in the Mortgage business since 2001 I'm a grizzly, battle tested mortgage veteran. I am also the Host of Rates & Reels, which is the most popular fishing show in Southwest Florida, hosted by a guy named Tim. In my spare time I love spending time with my family, coaching baseball, and anything else my kids or wife want me to do. I would be happy to help you or someone you know with any of your Mortgage needs.

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