What describes your situation?

We'll show you the right loan path in under two minutes.

No hard credit pull. Takes about 2 minutes.

Verified specialists: Connected to licensed lending professionals
Manufactured home focus: Chattel & land-home only
Fast response: Specialist contact within 1 business hour
Real people: No chatbots — a licensed specialist handles your file

Two loan programs. Clear fit for each.

We offer chattel loans and land-home packages — nothing else. That focus means faster answers and cleaner closings.

Home in a Community

Chattel Loans

Finance the home itself — no land ownership required. Chattel loans are designed for manufactured homes placed in a leased-lot community or mobile home park.

Buying a home in an established community
Lower down payment flexibility
Faster closings than real-property loans

Check My Options Learn More

Home + Land

Land-Home Loans

Bundle the land and the home into a single loan. Ideal for buyers purchasing a parcel and placing a new manufactured or modular home on it.

Buying land and home together
Already own land and need to finance the home
Modular and prefab homes on private property

Check My Options Learn More

Why borrowers choose PrefabLending

Manufactured home financing is a specialty. We treat it like one.

Manufactured & prefab is all we do: We don't split our attention across every loan type. Our whole team knows manufactured home lending inside and out — the programs, the quirks, and how to move fast.
Two paths, clearly explained: Chattel loans for homes in communities. Land-home packages for buyers who want the land too. We'll tell you which one fits — and why.
No runaround on credit: We work with a range of credit profiles. Tell us where you stand and we'll give you a straight answer — not a vague 'it depends.'
A real specialist, not a black box: Submit your info and a licensed lending specialist calls you — typically within one business hour. You'll know their name and can reach them directly.

Ready to get connected with a specialist?

No hard credit pull. Takes about two minutes. A licensed lending specialist will follow up — by phone, same business day.

Check My Options — It's Free

By submitting, you authorize PrefabLending and its network of licensed lending partners to contact you. Consent is not a condition of any loan or service.