Access up to 80% of your home's value, plus *$50,000 extra before or at closing in all 50 states. Rated #1 Manufactured Home Lender for 5 consecutive years by Investopedia.
At Manufactured Nationwide, we specialize in FHA Cash-Out Refinance loans for manufactured homes, land-fixed mobile homes, and modular homes. Our expertise and nationwide coverage make us your ideal partner for unlocking your home's equity.
Access up to 80% of your home's value in cash
Competitive fixed rates with flexible terms
Low credit score requirements (minimum 640 for FHA)
No seasoning period required for rate-and-term refinances
Exclusive access to up to *$50,000 extra with our Mortgage Client Consumer Loan™ for qualified borrowers
Future streamline refinance options without new appraisals
When you search for banks that refinance manufactured homes, look no further than the #1 Manufactured Home Loan Lender rated by Investopedia for 5 consecutive years. Manufactured Nationwide is committed to getting you the cash you need and terms you deserve.
To qualify for an FHA cash-out refinance with Manufactured Nationwide, your home must meet these criteria:
Home Ownership: You must own both the home (manufactured, land-fixed mobile, or modular) and the land it sits on
Foundation: The home must be permanently affixed to a foundation
Primary Residence: The property must be your primary residence
Equity: You need at least 20% equity in your home (80% max LTV)
Credit Score: Minimum score of 640 for FHA loans
Debt-to-Income Ratio: Typically, your DTI should be 43% or lower
HUD Compliance: Your home must meet HUD's Manufactured Home Construction and Safety Standards
Manufacturing Date: The home must have been built after June 15, 1976
Seasoning: 12-month seasoning requirement for cash-out refinances
Land Ownership: We do not offer loans for homes on leased land, rented land, or family land
Property Type: We do not offer chattel loan refinances or HELOCs
Important Note: While we serve all 50 states, manufactured homes in New York are not eligible as they're not currently treated as real estate property. However, we do offer loans for modular homes and other property styles in New York.
Not sure if you qualify? Our expert loan officers at Manufactured Nationwide are ready to guide you through the process.
Manufactured Homes: Built entirely in a factory and transported to the site, usually referred to as single-wide, double-wide, triple-wide, or quadruple-wide manufactured homes.
Land-Fixed Mobile Homes: Originally mobile but now permanently affixed to owned land, must be built after June 15, 1976 to qualify and not moved after original install date.
Modular Homes: Built in sections in a factory, then assembled on-site, can be assembled in many more sections than even a quadruple-wide.
No matter which type of home you have, Manufactured Nationwide has financing solutions to fit your needs.
At Manufactured Nationwide, we understand that sometimes you need more than just your home's equity. That's where our unique Mortgage Client Consumer Loan™ comes in:
Get up to $50,000 extra, even if you're short on equity
Use it to pay off debt and qualify for a larger loan amount
Fund home improvements or additions, like a tiny home office, mother-in-law quarters, or rental unit
Combine with your FHA cash-out refinance for maximum financial flexibility
This exclusive offering not found elsewhere truly sets us apart, giving you more options to achieve your financial goals, whether you have a manufactured, land-fixed mobile, modular home, or one of the other 12 additional property styles we finance.
Check Eligibility Or Complete Application: Complete our simple eligibility form, or a full online application at Manufactured Nationwide, we will get you assigned to a manufactured banker on our team, and for a full application, we’ll start with a soft pull credit report, which means no dings to your credit until you are ready.
Documentation: Provide necessary documents (income verification, property details), this helps your banker verify all information you provided on your full application.
Appraisal: We'll arrange for a professional appraisal of your home and start by ordering title, homeowners insurance, and any other applicable inspection reports that are required.
Underwriting: Our in-house team reviews your application and if you require an exception due to extenuating circumstances and have well documented compensating factors, we’ll have our own in-house loan committee that meets weekly review your file.
Approval: Receive your loan approval and gather any final conditions required before heading to closing, we even have our own doc department able to draw up and send figures to your title company without having to wait like many who broker these loans.
Closing: Sign the final documents and receive your funds.
With our streamlined process at Manufactured Nationwide, you could have cash in hand in as little as 30 days!
| Feature | FHA Cash-Out | VA Cash-Out | Conventional Cash-Out |
|---|---|---|---|
| Max LTV | 80% | 90% | 80% |
| Min Credit Score | 640 | 600 | 620-640 |
| Mortgage Insurance | Required | Not Required | Required if LTV > 80% |
| Eligible Properties | Primary Residence | Primary Residence | Primary, Secondary |
| Max Loan Amount | FHA Loan Limits | VA Loan Limits | Conforming Loan Limits |
| Eligible Home Types | Manufactured, Land-Fixed Mobile, Modular | Manufactured, Land-Fixed Mobile, Modular | Manufactured, Land-Fixed Mobile, Modular |
As you can see, each loan type has its advantages. At Manufactured Nationwide, we'll help you choose the best option for your unique situation, regardless of your home type.
Accessible Credit Requirements: With a minimum score of 640 at Manufactured Nationwide, FHA loans are more accessible than many conventional options.
High LTV: Access up to 80% of your home's value, matching conventional loans but with potentially lower credit requirements.
Future Refinancing Options: The FHA Streamline Refinance program allows you to lower your rate in the future without a new appraisal or income verification, and doesn't require a minimum credit score.
Flexibility: Use the cash for any purpose - home improvements, debt consolidation, or other financial needs.
50-State FDIC Bank: Direct lending with no middlemen
Veteran-Owned: Proudly serving all Americans and ITIN holders
Specialized Expertise: We understand the unique aspects of manufactured, land-fixed mobile, modular, and factory-built home financing
Mortgage Client Consumer Loan™: Get up to $50,000 extra, perfect for debt consolidation or additional improvements
Competitive Rates: Our volume allows us to offer some of the best rates in the industry
Rapid Approvals: In-house underwriting means faster decisions, internal loan committee that meets weekly means we can make exceptions for compensating factors where others may not in difficult approvals
We offer competitive fixed rates on FHA cash-out loans for manufactured, land-fixed mobile, and modular homes. Our goal is to provide homeowners with affordable financing solutions:
Fixed interest rates for predictable monthly payments
Loan terms up to 30 years
No prepayment penalties
Manageable mortgage insurance premiums (MIP)
Remember, with an FHA loan from Manufactured Nationwide, you'll have the option to streamline refinance in the future if rates drop, without needing a new appraisal!
When you choose an FHA cash-out loan, you're setting yourself up for future savings:
Refinance to a lower rate without income verification
No new appraisal required, even if your home value drops
No credit score requirement
Reduced closing costs compared to a new loan
Quick and easy process
This makes FHA loans a smart choice for long-term financial flexibility, regardless of whether you have a manufactured, land-fixed mobile, or seeking to refinance modular homes.
While Manufactured Nationwide serves all 50 states, we've seen particularly high demand in:
Florida: Perfect for retirement or vacation manufactured homes
Texas: Ideal for large land parcels with land-fixed mobile homes
Washington & Oregon: Great for rural and suburban manufactured living
North & South Carolina: Popular for coastal and mountain modular homes
Tennessee & Colorado: Excellent for those seeking affordable mountain living with factory-built homes
Whether you have a manufactured home in Florida, a land-fixed mobile home in Texas, or a modular home in Colorado, Manufactured Nationwide has the expertise to help you cash out your equity.
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction.
~Tom K. Realtor
Yes, with our Conventional, FHA, and VA cash-out refinance programs at Manufactured Nationwide, you can access up to 80% of your manufactured home's value, provided it's on a permanent foundation and you own the land.
Traditional home equity loans are rarely available for mobile homes. Manufactured Nationwide offers cash-out refinance options and specialized loans like our Mortgage Client Consumer Loan™, allowing access to up to 80% of your home's equity plus an additional *$50,000 for qualified borrowers.
Our minimum credit score requirement is 640 for FHA loans on manufactured, land-fixed mobile, and modular homes. VA allows down to 600 credit score, and are subject to change.
You can borrow up to 80% of your home's appraised value on an FHA loan and conventional, up to 90% on VA programs for Veterans, minus your current mortgage balance. Plus, with our exclusive Mortgage Client Consumer Loan™, you may qualify for up to *$50,000 extra before or at closing regardless of your equity position.
Yes, you can use the funds for any purpose, including home improvements, debt consolidation, or other financial needs.
With our streamlined process and in-house underwriting at Manufactured Nationwide, we can often complete the process in as little as 30 days.
No, one of the great benefits of having an FHA loan is the ability to use the Streamline Refinance program in the future, which doesn't require a new appraisal, nor do you have to provide full income documentation.
Yes, FHA loans require mortgage insurance premiums (MIP), but these are often lower than private mortgage insurance on conventional loans. However, when your loan is below 80% your MI falls off and is removed from payment requirements.
For an FHA cash-out refinance with Manufactured Nationwide, your manufactured or mobile home must be on a permanent foundation. We'd be happy to discuss your options if your home isn't currently on a permanent foundation.
Typically, you'll need proof of income, bank statements, property tax bills, homeowners insurance, and information about your current mortgage. Our loan specialists at Manufactured Nationwide will guide you through the exact requirements.
Our exclusive Mortgage Client Consumer Loan™ can provide up to $50,000 in additional funds, which can be used to pay off debt to qualify for a larger loan amount, fund additional renovations, or even add a small structure to your property like a tiny home office or rental unit. This loan is perfect if even if your appraised value comes in lower and you can't access the full equity desired.
Homes manufactured after this date must comply with the HUD Code, which sets standards for construction, strength, durability, fire resistance, energy efficiency, and quality. This date marks the implementation of these federal standards, ensuring the home meets modern safety and quality requirements.
Unfortunately, manufactured homes in New York are not eligible for our FHA cash-out refinance as they're not currently treated as real estate property. However, we do offer loans for modular homes and other property styles in New York. We staying at the forefront of state parties to help make this a reality for Manufactured homeowners, hopefully someday soon!
Yes, we offer FHA cash-out refinance options for mobile homes that are permanently affixed to land owned by the homeowner, also known as land-fixed mobile homes. This property must not have moved after the factory installation and be built after June 15, 1976.
HELOCs on manufactured homes are uncommon. Some local credit unions may offer them to borrowers with high equity. Alternative options like cash-out refinances are more widely available and often provide similar benefits for manufactured homeowners.
Banks that refinance manufactured homes are Manufactured Nationwide, VA Nationwide, BuildBuyRefi.com, and Nationwide Home Loans Group. These banks provide FHA, VA, and conventional refinance options in all 50 states for manufactured, land-fixed mobile, modular, and site-built homes.
Don't let your home's value sit idle. With Manufactured Nationwide's FHA Cash-Out Refinance program for manufactured, land-fixed mobile, and modular homes, you can access the funds you need to achieve your financial goals. Our expert team is ready to guide you through every step of the process, ensuring you get the best terms and the most cash possible.
Remember, as the #1 rated Manufactured Home Loan Lender by Investopedia for 5 consecutive years, Manufactured Nationwide has the expertise and resources to make your refinance a success. Let's unlock your home's potential together!
At Manufactured Nationwide, we're committed to helping you access the cash you need. With over 100 years of combined experience, our team specializes in competitive, low, fixed-rate FHA cash-out options for manufactured, modular, and land-fixed mobile homes. We promise transparent, spam-free communication throughout the process. Your journey to financial flexibility starts here!
Manufactured Nationwide proudly offers solutions where others see obstacles. Our experienced bankers will tackle challenging FHA cash-out refinances, helping those who've been turned down elsewhere. With over a century of combined mortgage expertise, we craft custom-tailored FHA loans for all types of manufactured homes - from double-wides to barndominiums, from 3D printed homes to log and timber kit homes, and everything in between. Whether you're looking to build new, purchase existing, renovate, consolidate debt, or access your home's equity, we're here to make it happen.
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*Important: We do not offer financing for homes on rented land or in mobile home parks. For family land, financing is only available if the property is on a separate parcel with no other property, and the borrower must be on the title to that land. Financing is available only for properties permanently affixed to owned land at closing, except for new construction projects. New Dealer Manufactured Home Loans are not available in New York. Modular and site-built land/home construction loans are available in all 50 states.
*Messaging and Data Rates May Apply.
*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.
*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.
*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.
REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.
†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.
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