FHA Mobile Home Loans

Financing Manufactured (Mobile) Homes

Under the Title I Mobile Home Loan program, FHA approved lenders make loans from their own funds to eligible borrowers to finance the purchase or refinance of a manufactured home and/or lot. FHA insures the lender against loss if the borrower defaults. Credit is granted based upon the applicant's credit history and ability to repay the loan in regular monthly installments.

Title I Mobile Home 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.

Maximum Loan Amounts:
Manufactured home & lot -
The maximum fhalar limits for lot loans and combination loans may be increased up to 85 percent in designated high-cost areas.

For further information on high-cost area limits, contact (866) 331-6117.

Maximum Loan Terms:
20 years for a loan on a manufactured home or on a single-section manufactured home and lot.
15 years for a manufactured home lot loan.
25 years for a loan on a multi-section manufactured home and lot.




*Note: We will forward your application to one, single FHA Specialist who will contact you to discuss the best FHA Programs and the lowest rates available at this time. We do not re-sell, distribute, disseminate  your application information to telemarketers, multiple lenders, or 3rd party marketing firms.