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Manufactured Home Loan Programs

Affordable homeownership made possible

Why Choose Manufactured Homes?

Manufactured homes offer an affordable path to homeownership — helping you buy sooner without waiting. Whether you’re a first-time buyer or moving up, these homes provide modern features, customization options, and great value in today’s competitive market.

At We, with over 60 years of experience, we’re proud to support affordable housing solutions that help you achieve your dream of owning a home.

Manufactured Homes vs. CrossMod™ Homes

Manufactured Homes:

Built off-site and transported to your property, these homes come in single, double, or triple-wide models and offer customizable options like porches, garages, and carports. Built to federal HUD standards, they must be manufactured on or after June 15, 1976.

CrossMod™ Homes:

A newer type of HUD-code manufactured home built to higher standards, CrossMods™ resemble traditional site-built homes with features like pitched roofs, front porches, and enhanced energy efficiency — blending affordability with great curb appeal.

Basic Manufactured Home Requirements

Manufactured on or after June 15, 1976

Transported directly from manufacturer to your site

Single, double, or triple-wide models

Placed as new on a permanent foundation on the property being financed

Financing Options for Manufactured Homes

We offer a range of manufactured home loans designed to fit your needs, including fixed-rate loans and low down payment options with credit scores starting as low as 540.

Conventional: 5% down

FHA: 3.5% down

FNMA MH Advantage: 3% down

FHLMC CHOICEHome: 3% down

USDA: 0% down

VA: 0% down

Ready to Buy Your Manufactured Home?

We’ll help you explore the best loan options based on your unique situation — so you can enjoy a modern, affordable home without delay. Start your application today or contact your local loan officer for personalized guidance.