Manufactured Home Loans

Learn how On Q Financial can help you purchase or refinance your manufactured or mobile home.

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What is a Manufactured Home Loan?

A manufactured home loan is available for manufactured homes or mobile homes that were built in a factory after June 15, 1976. They conform to a Federal building code, called the HUD code, rather than to building codes at their destinations. Manufactured homes are built on a non-removable steel chassis. Sections are transported to the building site on their own wheels. The wheels and axels are removed and the unit is set on a permanent foundation and has to be taxed as real property for it to be eligible for a mortgage. Sometimes loans are difficult to find for manufactured home loans, but we at On Q have several options if you’re in the market for a manufactured home. On Q offers Conventional, FHA, USDA and VA mortgage programs on doublewide and triplewide manufactured homes!

Benefits

Benefits of a Conventional Manufactured Home Loan

  • At least 600 square feet
  • Credit scores as low as 620
  • Fixed-rate loan options
  • Existing and new construction eligible
  • Purchase and refinancing options available
  • Down payment options as low as 3%

Benefits of an FHA or VA Manufactured Home Loan

  • At least 400 square feet
  • Credit scores as low as 640 and 620 for VA
  • Fixed-rate loan options
  • Existing and new construction eligible
  • Purchase and refinancing options available

Loan Calculator

Use our free mortgage payment calculator to see your potential monthly mortgage payments

Buying a home is a big investment. It’s important to understand everything involved and see how much you can afford.

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