Manufactured Home Loan Programs
Great news! It keeps getting easier and easier to finance manufactured homes. Here are four possible ways to finance manufactured homes!
The basic programs that will work for manufactured homes are:
- FHA – 3.5% down
- FHA 203k Renovation – 3.5% down
- VA – 0 Down
- Conventional – 5% down
- Rural Development – 0 Down
- MSHDA Down Payment assistance available
Some other things that are a little different with manufactured homes:
- Options for Singlewides and Doublewides
- Structural inspection needed
- Must be on Permanent foundation
- Affidavit of affixture required
- Manufactured home can not have been moved from another location
- For most programs they must be built after 6/1976. For Rural Development after 1/1/2006.
Generally looking for a 620 score or higher, a small savings, good rental history, etc…
Latest Blog Post
Conventional vs USDA Loan Michigan: Your 2026 Mortgage Flight Plan
The “obvious” choice for your mortgage might actually be the most expensive path if you don’t account for the unique terrain of the West Michigan housing market. While you might assume a massive down payment is the only way to avoid financial turbulence, comparing a Conventional vs USDA Loan Michigan reveals that the right flight plan often involves much less upfront cash than expected.
We understand that staring at a map of geographic eligibility or weighing monthly mortgage insurance costs can feel like flying through heavy fog. It’s frustrating when you’re ready to move but feel grounded by confusing requirements. This guide will help you compare these options with the precision of a seasoned navigator. You’ll learn how to identify if your dream neighborhood is USDA-eligible, how the 2026 loan limit of $832,750 impacts your Conventional path, and how the $119,850 income limit affects your USDA eligibility. By the end of this flight plan, you’ll have the expert coordinates needed to choose a loan that offers maximum lift for your West Michigan home journey.