Manufactured home loan programs
Every program available for manufactured home financing, laid out for comparison. The right program depends on whether you own the land, your FICO, your income shape, your state, and what kind of manufactured home you are buying.
| Program | Land | FICO | Loan limit | Term | Best for |
|---|---|---|---|---|---|
| Chattel | Leased OK | 575+ | Varies by source | 15-25 yr | Park-home buyers |
| FHA Title II | Owned | 580+ | County FHA limit | 30 yr | Standard FHA |
| VA | Owned | 620+ | No limit (full ent.) | 30 yr | Veterans |
| USDA 502 | Owned, rural | 640+ | Area-based | 30 yr | Rural <115% AMI |
| MH Advantage | Owned | 620+ | Conforming | 30 yr | Premium MH (sticker) |
| CHOICEHome | Owned | 620+ | Conforming | 30 yr | Premium MH; single-wide OK |
| Std Conventional MH | Owned, multi-section | 620+ | Conforming | 30 yr | Non-sticker MH |
| Bank Statement (non-QM) | Owned, doublewide+ | 660+ | Up to $3M | 30 yr | Self-employed |
| DSCR (non-QM) | Owned, doublewide+ | 660+ | Up to $2M | 30 yr | Investors |
| ITIN (non-QM) | Owned (most) | 620+ alt | Up to $1M | 30 yr | No SSN |
All programs subject to underwriting approval, property eligibility, and program availability. FICO minimums and loan limits shown are general guidelines that change without notice; loan limits vary by county and program. This site does not disclose rates, call Mike at (480) 296-6513 for a personalized quote.
Find your program by scenario
Not sure which row is you? These pages walk through financing by situation instead of by program name:
- Home in a park or on leased land, chattel
- Home on land you own, real-property financing
- Single-wide (single-section) homes, including the 2025 CHOICEHome change
- MH Advantage vs CHOICEHome, the two conventional CrossMod programs compared
- Pre-1976 mobile homes, why standard loans don't apply, and what does
- Down payment assistance, grants and programs that pair with a manufactured home