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The Premiere Resource For

Manufactured Home Financing

Manufactured Home Financing Program Highlights

  • Lower and fixed rate
  • Lower your payments
  • Get up to 95% loan-to-value ratio
  • Build equity faster
  • Owner contract options
  • Flexible terms
  • Closing cost financed
  • No maximum loan amounts
  • No seasoning requirement
  • No mortgage insurance requirement
About M H Loans
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What criteria do lenders use when approving a loan?


Lenders weigh your housing expenses and total debt against your monthly income to determine your ability to repay a loan. You must prove that you have the cash available for the down payment and closing costs by verifying funds from sources such as bank accounts, stocks, bonds, mutual funds, sale of an existing home, or gifts from family members.


To determine your credit risk, lenders look at your previous mortgage payment history, rent payment history, credit card use and installment debt payment history. If you pay your bills regularly and on time, you're demonstrating the integrity that lenders are looking for in a borrower.


When you ask for a manufactured home loan, you put the manufactured home itself up for collateral. Lenders will want to know what the home is worth before funding a loan.

Let's talk manufactured home financing

It's worth considering financing your manufactured home loan, even if your monthly payments are manageable. With a wide variety of programs offers by MH Loans, we can present you more than one offer and you chose the best option for your needs. Let us help you purchase your dream home!

Your manufactured dream home is a big decision

Let MH Loans assist you with the finance of your new manufactured home and put you into easy, affordable monthly payments that won't overburden your family.

Mobile Home Park

One of the most extraordinary opportunities in today’s economic market is manufactured home financing

Why a manufactured home?

1) Less Expensive

There are many variables involved in the price of manufactured homes. There are features, floor plans, and details that prevent a simple answer. The sales price for a new manufactured home ranges from under $20,000 for a single-section home with basic features to prices in excess of $100,000 for a deluxe multi section home. Depending on the region of the country, construction cost per square foot for a new manufactured home averages anywhere from 10 to 35 percent less than a comparable site-built home, excluding the cost of land.

2) Quality Control

There Are Major Benefits To Building Your Home In A Factory. All aspects of the construction process are controlled. The weather doesn't interfere with construction and cause delays. All technicians, craftsmen and assemblers are on the same team and professionally supervised. Inventory is better controlled and materials are protected from theft and weather-related damage. All construction materials, as well as interior features and appliances are purchased in volume for additional savings. Cost of interim construction financing is significantly reduced or eliminated. All aspects of construction are continually inspected by not one, but several, inspectors.

3) Amenities

Today's manufactured homes come with many "standard" features that you would find in a site-built home. Many floor plans are available that range from the basic models to more elaborate designs with living and dining rooms with vaulted ceilings, fully-equipped modern kitchens, comfortable bedrooms with walk-in closets, and bathrooms with recessed bathtubs and whirlpools. You may also select from a variety of exterior designs, including metallic, vinyl, wood, or hardboard. You also may select such design features as a bay window, a gable front, or a pitched roof with shingles. Awnings, enclosures around the crawl space, patio covers, decks, and steps are also available at additional costs. With many manufacturers now using the latest in computer-assisted design, you have the flexibility of selecting variations to the floor plans and decors, including the color and thickness of the carpeting. These options can include everything from the type of exterior siding materials to energy-efficiency features to kitchen appliance upgrades.