Manufactured Home Loans
Financing for manufactured, modular, and prefab homes — across the South and beyond.
Buying a manufactured or prefab home is one of the smartest moves in today's housing market. We make the financing part easy by matching you with specialty lenders who actually understand these homes.
Takes 2 minutes. No impact to your credit.
- Specialists in manufactured & prefab financing
- Available in TX, FL, NC, WV, and across the South
- No application fees to get matched
A smarter path to homeownership
With site-built home prices climbing year after year, more buyers are discovering what people in the South have known for a while: manufactured, modular, and prefab homes deliver real homeownership at a fraction of the cost. Quality construction, modern features, and the same sense of "this is mine" — without the price tag that's locked traditional home buyers out of the market.
But there's a catch most buyers run into: the big banks don't really get these homes. They treat manufactured and prefab financing like an afterthought, or they don't offer it at all. That's where we come in.
Prefab Lending connects you with lenders who specialize in financing for:
- —Manufactured homes — HUD-code homes, single-wide, double-wide, and triple-wide
- —Modular homes — built in a factory, finished on a permanent foundation
- —Prefab homes — including modern designs, panelized construction, and custom builds
- —Mobile homes — both new and used, in communities or on private land
If you're financing one of these, you're in the right place.
Three steps from "interested" to "approved"
We've made the process about as simple as it gets.
- 1
Tell us about your situation
Answer a few questions about the type of home you're looking at, your budget, and where you are in the process. Two minutes, no credit pull, no commitment.
- 2
We match you with the right lender
Based on your situation, we connect you with a specialty lender from our network — someone who finances manufactured and prefab homes day in and day out, not a bank loan officer who'll tell you "we don't really do those."
- 3
A specialist reaches out — fast
You'll hear from a real person within an hour during business hours. They'll walk you through your options, answer your questions, and help you take the next step if you're ready.
Loan options for manufactured and prefab homes
There are several ways to finance these homes, and the right one depends on your situation.
Chattel Loans
The most common loan type for manufactured homes — especially when the home is in a community or park, or when you don't own the land. Chattel loans treat the home as personal property, similar to how a car loan works. They typically close fast and have less paperwork.
Best for: Buyers placing a home in a community, on rented land, or when speed matters.
Land-Home Loans
If you own land or are buying land along with your home, a land-home loan combines both into a single financing package. The home is treated as real property, which usually means lower rates and longer terms than chattel.
Best for: Buyers with land, or buying land + home together.
Conventional Manufactured Home Loans
Some lenders offer conventional financing for manufactured homes that meet specific requirements — permanent foundation, HUD certification, real property classification. These typically have the most favorable rates and terms.
Best for: Newer manufactured homes on permanent foundations, with land.
Modular & Prefab Construction Loans
Modular and prefab homes built to local building codes often qualify for traditional construction-to-permanent loans, just like a stick-built home. The financing process is similar to building any custom home.
Best for: Modular and high-end prefab buyers building from scratch.
Refinance Loans
Already own a manufactured home and looking to lower your rate, change terms, or convert from a chattel loan to a real property mortgage? Refinancing can save serious money, especially if rates have dropped or your credit has improved.
Best for: Current manufactured home owners with at least 12 months of on-time payments.
Not sure which is right for you? That's exactly what we help with — get started here.
Manufactured home loan requirements
Every lender is different, but here's a general picture of what most specialty lenders look for.
- Credit score
- Most programs start at 580, with the best terms going to buyers with 660+. Some lenders will work with credit scores in the 500s, depending on the rest of your situation.
- Down payment
- Plan on 5–20% depending on the loan type. Chattel loans often require 5–10% down. Land-home loans typically want 10–20%. Some programs allow as little as 3.5% down for qualifying buyers.
- Income and employment
- Two years of employment history is the standard. Self-employed buyers can qualify too — you'll just need two years of tax returns instead of W-2s.
- Debt-to-income ratio
- Generally 43% or less, though some lenders go higher with strong compensating factors.
- The home itself
- New homes are easier to finance than older ones. Most lenders have age limits (often 20–30 years or newer). Manufactured homes need to be HUD-certified. Modular and prefab homes need to meet local building codes.
The good news: specialty lenders work with these requirements every day. They know the workarounds, the program options, and how to structure deals that traditional banks would turn down. Even if your credit isn't perfect, it's worth getting matched with someone who specializes.
We're built for this
Most "mortgage matching" sites cast a wide net — they'll connect you with anyone willing to pay for the lead. That's not us.
We focus exclusively on manufactured, modular, and prefab homes.
That's it. No shoehorning you into a traditional mortgage that doesn't fit. No loan officers who'll tell you "we don't really do those" after you've already spent an hour on the phone.
We work with lenders who actually want this business.
Our lender partners specialize in this category. They have the loan products, the underwriting experience, and the speed that manufactured and prefab buyers need.
We move fast.
When you submit a request, you'll hear from a specialist within the hour during business hours. Speed matters in this market — the longer you wait, the more competition you face.
We're free to use.
You don't pay us — our lender partners do, when we send them qualified buyers. No fee to get matched, no obligation to move forward, no credit impact.
Manufactured home lending across the South
We serve buyers throughout the southern United States, with strong lender networks in:
- Texas
- Florida
- North Carolina
- West Virginia
- Georgia
- South Carolina
- Alabama
- Tennessee
- Virginia
Not in one of these states? Submit a request anyway — our network is growing and we may be able to help.
Frequently asked questions
Ready to see your options?
Two minutes is all it takes to find out what kind of financing fits your situation. We'll match you with a specialty lender who knows manufactured and prefab homes inside and out.
No credit impact. No application fees. No obligation.