Manufactured homes may qualify for conventional or government-backed mortgage financing, but the property must meet additional eligibility requirements. We finance eligible homes that are permanently affixed to an approved foundation and legally classified as real property—not homes titled as personal property or financed with a chattel loan.

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Property requirements may include:

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• The home must be permanently affixed to an eligible foundation, verified with an foundation certification.

• The home must be legally classified and titled as real property.

• Required HUD certification labels and property documentation must be available.

• The home, land, utilities, access, and overall condition must meet the selected loan program’s requirements.

• A foundation certification or additional inspection may be required. 

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Manufactured-home transactions often involve additional title, foundation, appraisal, and documentation steps. Our team reviews these details early so you know what will be needed before moving forward.

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