Manufactured Home Loans

Manufactured homes offer an affordable and flexible alternative to traditional site-built homes. These homes are constructed off-site in a factory and permanently placed on a designated property. Built to meet stringent HUD (U.S. Department of Housing and Urban Development) standards, manufactured homes ensure quality, safety, and modern design.

If you’re considering purchasing or refinancing a manufactured home, specialized loan programs can help you achieve your homeownership goals with ease.

What Are Manufactured Home Loans?

Manufactured Home Loans provide financing for homes that are factory-built and meet HUD guidelines. These loans are tailored for homes that are permanently affixed to a foundation and used as a primary residence. They make homeownership accessible for buyers looking for affordable yet high-quality housing.

Benefits of Manufactured Home Loans

Choosing a Manufactured Home Loan comes with several key benefits:

• Affordability: Manufactured homes typically cost less than traditional homes, making them a budget-friendly housing solution.
• Low Down Payment Options: Many loan programs allow you to buy with minimal upfront costs.
• Flexible Loan Terms: Choose from a variety of loan repayment options tailored to your financial situation.
• Energy Efficiency: Modern manufactured homes are built with energy-saving materials and designs, reducing monthly utility bills.
• Refinancing Opportunities: If you already own a manufactured home, refinancing can help lower your monthly payments or unlock equity.

Who Is Eligible for a Manufactured Home Loan?

To qualify for a Manufactured Home Loan, you’ll need to meet specific criteria:

• The home must meet HUD standards and be permanently affixed to a foundation.
• You must use the property as your primary residence.
• Borrowers need to meet credit, income, and debt-to-income ratio requirements specific to the loan program.

Several financing options, including FHA, VA, USDA, and Conventional Loans, are available to help make manufactured homeownership accessible and affordable.

Apply for Manufactured Home Loans in WA, OR, CO, ID, or CA

Now is a great time to explore financing options for manufactured homes. Use our free Instant Rate Quote tool and Rate Tracker to see how much you could save every month or over the life of your loan.

Working With Sammamish Mortgage

At Sammamish Mortgage, we always put the client first, ensuring you receive a loan that fits your budget and needs.

We’re proud to offer some of the most competitive rates in the nation and provide a hassle-free home loan experience. Most of our loans close quickly and on time, so you can start enjoying your new home without delay.

For over 30 years, we’ve been serving borrowers in Washington, Oregon, Idaho, Colorado, and California, offering a wide variety of loan programs, including those for manufactured homes.

Are you ready to apply for your home loan? Contact us today to get started or lock in a low interest rate. Let us help you achieve your homeownership goals!