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Whether you call them mobile homes or manufactured homes, financing one is different than financing a regular home. Yet, it is still possible to finance your mobile home with a mortgage from a traditional bank lender. Here’s how you can find a bank to loan you money for your mobile home.

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 · Manufactured Home financing options: title 1 Loans According to the HUD website, a Title I loan can be used for the purchase or refinance of a manufactured home, a developed lot to place the home, or a home and lot combination. The home must be the borrower’s principal residence to qualify. FHA approved lenders work with the Title I program to make the loans from their own funds.

WASHINGTON, Nov. 30 (Xinhua) — U.S. Federal Home Loan Mortgage Corporation, commonly known as Freddie Mac, said on Friday that it would provide conventional financing for manufactured homes in the.

What Types of VA Manufactured Home Loans are Available? You may use a VA-guaranteed loan to: Buy a manufactured home and/or lot; Buy and improve a lot on which to place a manufactured home you already own and occupy. Refinance a manufactured home loan in order to buy a lot. Refinance an existing VA manufactured home loan to reduce the interest.

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 · Veterans who want VA loans for mobile homes will need to submit to a credit check and meet income requirements. VA Loan Terms for Mobile Homes . Most VA loans have 30-year repayment terms. But the maximum term for VA loans for manufactured homes is much shorter according to the Catalog of Federal Domestic Assistance (CFDA).

Financing is challenging for any homeowner, and that’s especially true when it comes to mobile homes and some manufactured homes. These loans aren’t as plentiful as standard home loans, but they are available from several sources and government-backed loan programs can make it easier to qualify and keep costs low.

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A Title I loan may be used for the purchase or refinancing of a manufactured home, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence of the borrower. Manufactured Homes Placed on a Leased Lot