The Hottest Conventional, FHA, USDA, & VA Manufactured Home Loan Programs In All 50 States. Build, Buy, or Refi... We Have You Covered,

Even When The Largest Lenders Fall Short, We Help Keep You INFORMED, Covering You With Single, Double, Triple, and quadruple-wide Manufactured and mobile Financing Options.

Each day, we’re contacted by clients who have come within days of their closing date with appraisal in hand, only to find out their lender can’t close it because it's a manufactured home.

The funny thing is, you most likely mentioned it to this lender, and they said yes, they can help anyway. They either said yes because they weren’t paying attention (a costly mistake) or because they did not know it was a loan type they couldn’t do before accepting the application. (another costly mistake.)

Imagine going through the process only to be let down, it's time-consuming and painful, and many times it stops clients from creating the better loan, they wanted to get in the first place or stops them from buying altogether.

None of those mistakes would have been your fault either; we strive to make our name known to help as many people as possible avoid turndowns at other banks by coming right to the source.

Don't let an inexperienced situation find you in this predicament. It's not a fun position to be put in, yet it happens daily; luckily, we solve these problems daily. 

Our site is designed to get you immediately assigned to one of our banking experts so you can have all questions answered, concerns addressed, and a robust strategy designed to provide a quick and successful loan closing.

Get Up To 100% Financing On Our Manufactured One-Time and Two-Time Close Construction Loans (OTC), Purchase Of Existing Homes, Rehab/Renovation (203k), Cash-Out, Debt Consolidation, and Rate Reduction Streamline Refinance Loans For Single, Double, Triple & Quadruple-Wide Manufactured, Mobile, Modular, Barndominum, Metal Style, Foam Style, ICP, and SIP Panel Homes!

Have We Left Anything Out?

For over 100 years combined and over 25 years as a team, we’ve become the go-to specialists in manufactured home loans on fixed foundations. Whether in rural or urban locations, ManufacturedNationwide.com is a Top Rated Local® Lender serving clients in all 50 states.

Manufactured Style Loans are where we thrive; by combining our in-house bank underwriting team and competitive government-backed loan programs, we work to offer competitive, low, fixed-rate mortgages to this segment of the housing market!

If we can’t help, we’ll be sure to tell you so we don’t waste your time, and we will even provide alternative suggestions to help you speed up the process. It’s all about helping our customers get the answers to the questions they need and the best lender for them, even if we aren’t the right lender.

The Top 8 Benefits Of Manufactured Nationwide Home Loans!

1. Up To $3+ Million Loan Amount: while most manufactured homes don’t cost nearly that price, modular homes and land costs are increasing rapidly in coastal regions, larger cities, and high-dollar areas. So, if loan amounts are an issue, we have you covered.

2. We finance up to 100%, genuine no money down, zero out-of-pocket cost, for USDA & VA Loans, 96.5% On FHA Construction & Purchase, and other cash-out programs between 80-100% of your home’s value. We also have our underwriting team able to grant exceptions based on the overall structure of your deal in some instances. We don't look to turn down loans, only taking the highest credit clients like other banks.

3. Genuine, Two-Time, and One-Time Close Construction Loans, VA Construction Loans, Conventional Construction Loans, and FHA Construction Loans, Starting at 95% and going up to 100% of the purchase price of your Home AND Land. One or two instead of 3 loans save you time, money, and payments. It far exceeds anything you’ve thought of when buying your new home!

4. We have rehab and home updating loan programs for clients already sitting at 100% of their home value or over the lendable limit by most banks. Imagine finding money where there once was no option to accomplish some of the updating on your home.

5. There is no monthly private mortgage insurance on VA Programs and reduced MI on USDA compared to Conventional and FHA programs.

6. Qualifying Loan Types are new construction, one-time close construction, new home purchase, genuine cash-out, debt consolidation, rate-and-term refinance, FHA Streamlines, Rehab Loans, and VA IRRL refinance.

7. Financing to *640 credit scores on VA Programs, USDA & FHA, some cases like streamline refinances can qualify with NO score!

8. Unlike other banks, we offer qualified borrowers the ability to access up to *$50,000 extra in unsecured funds before closing to help bring down their debt ratio and qualify for a larger home or one day after closing to use these funds however you choose.

We want to think the options are endless, and we know you may have been turned down before, so let’s check your eligibility. We wish to speak about your needs, as there is always a path we can explore and a plan to obtain the home of your dreams. 

We do not offer loans for any property placed on rented land, in mobile home parks, or on family land. We do not offer to finance any property not permanently fixed to land before closing unless under our new build/construction programs for newly manufactured home models. *We do not offer new Dealer Manufactured Home Loans in New York. Modular and Site Built land and home construction is allowed in all 50 states.

The Hottest VA Manufactured Home Loan Programs On The Market. Serving Active, Retired, Disabled, Spouses, and Widows Of Military Veterans.

We're Serious When It Comes To Helping Our Veteran Manufactured Home Owners; They're Often Tossed Aside Just Because Of Their Property Type. NOT Here, NO WAY!

Our mission is to help you understand the suitable loan options that make the most sense and impact your financial goals.

It's not just about getting you in and out; it's about making sure the loan we do won't put you in the wrong financial position, and it's the loan that makes the most sense for you and your family.

When you work with our bank, we assign a Sr. VA Banker who will never leave your side, pass you off to assistants, or make excuses. We believe in providing a direct relationship that keeps you informed, clear, and confident from start to finish.

Whether you’re looking to build or purchase your first new home, upgrade your existing home for a growing family, or require cash-out VA loans for your manufactured home, we have you covered.

We'll answer any questions to meet your needs, so don’t hesitate to contact us immediately. 

100% Purchase Loans, One-Time & Two-Time Close Construction Loans, Zero Down, NO PMI, Condo, Single Family, and Manufactured Homes

The Veterans Administration Loans are the most robust purchase programs available to our United States Veterans. Considering buying a home instead of renting? You should take advantage of still favorable market conditions. Private citizens cannot get programs or financing as strong as the VA loan options, and in most U.S. Markets, owning is still far cheaper than renting.

We specialize in Zero Down, 100% Financing for condos, modular, single-family, and manufactured homes on fixed foundations. There is NO monthly mortgage insurance, and we escrow taxes and insurance into one low payment. Our process is painless and straightforward; We get you pre-qualified, send you a pre-qualification letter, and then let you shop until you find that perfect home.

Working with your current realtor or helping you locate a realtor, builder, contractor, or retailer comes with the territory. We go the distance to help you however we can.

We’re manufactured specialists, helping borrowers with credit scores down to 640 and other out-of-the-box scenarios. We additionally offer VA Jumbo Loans, which require much smaller down payments than other non-VA Jumbo loan programs.

How about BUILDING your property? Purchasing the land, construction costs, and structuring a modular or manufactured land and home deal that could be ZERO out of pocket. Our One-Time, Two-Time Close, and Portfolio Construction Loans are available on many loan programs and property styles.

However, if you’re a veteran, our VA One-Time Close Construction Loan offers NO Mortgage Insurance, NO Down Payment, one appraisal versus 3, and the flexibility to finance closing costs. It’s an excellent program on the market compared to the traditional construction loan program. It removes three separate loan closings of traditional construction loans down to one. Learn more about the one-time close construction loan now and our other options.

With over 100 years of experience, we specialize in Conventional, FHA, Portfolio, USDA & VA manufactured, and modular home loans on fixed foundations.

Not every lender can meet your request when shopping for a VA Manufactured Home Loan to purchase, pull cash out of, or complete a streamlined rate reduction refinance. This is why many lenders refer us, clients, every week they cannot help.

As the largest VA Manufactured Home Lender, lending in all 50 states, we can finance up to 100% no money down, no mortgage insurance, new build construction, purchases, cash out, and rate-and-term refinance down to a 640 score. 

These areas make us the most robust and confident choice when selecting a manufactured home lender.

The VA allows up to 90% to consolidate high-interest credit cards and installment loans, or you can take the cash out for whatever purpose. Veterans can save hundreds of dollars monthly by smartly consolidating debt against their home equity. There is always a path we can explore and a plan to put in place to help you create the home of your dreams. 

*We do not offer loans for any property placed on rented land, in mobile home parks, or on family land UNLESS that property is FannieMae-Approved. We do not offer to finance any property not permanently fixed to land before closing unless under our new build/construction programs for newly manufactured home models.

100% FHA Streamline Refinance, VA Interest Rate Reduction Refinance & The USDA Streamline Assist: We Have Them All, And You Could Pre-Qualify Now!

The VA Streamline Refinance, VA Interest Rate Reduction Refinance Loan (VA IRRRL or VA IRRL), offered by the Veterans Administration, is a relatively easy, quick-to-close, and very effective loan a Veteran can participate in. 

Following up with the USDA Streamline Assist Refi and the FHA Streamline Refi, all programs allow for much more limited documentation and a reduction in interest rates that often far exceed your typical purchase or cash-out refinance process.

No Cash-Out is allowed. However, it is designed to lower your rate or adjust your term in a fraction of the time. In some instances reducing your rate by .500% or more, you can save tens of thousands of dollars in interest over the life of your loan.

This program has multiple benefits, yet not all lenders can participate. We specialize in streamline refinance programs which can close in as little as two weeks with no re-certification of eligibility or appraisal. How fast do you want to lower that rate?

A Few Features of the Streamline Programs.

• NO appraisal inspection inside or outside your home.

• NO income verification and very little paperwork

• No credit or bad credit? No problem, as long as you have had no 30-day late payments on your current loan in the last 12 months.

• If the streamline refinances don't work out, or you need some cash for updates, contact us about our 203K renovation or cash-out loans for VA & FHA properties. This may be an option for those looking to Rehab or Update their property and want to access additional capital over the current value of their home.

When you review refinancing programs, the streamline refi is the best and most conservative loan option clients choose to reduce their interest rate immediately. They don't want to cash out; they want to close quickly without the hassle and demand a better rate, which hits all the right points.

So what are you waiting for?

Or, if you prefer, just call us to speak directly to our Top Rated National® Mortgage Lender.

We’ll give you the most accurate information for your Manufactured Home Loans, provide the most current loan rates available to pre-qualify you instantly, and certainly answer any questions you may have now and after your loan closes!

TOUGH MANUFACTURED LOANS DON'T SCARE US!

We're Dedicated To Helping You Get The Loan Program You Desire.

Manufactured Nationwide is proud to present hard-working bankers who roll up their sleeves to deliver amazing solutions. With programs available to those turned down by other banks or needing a focused banker ready to listen and fight for your loan. We stand at the ready, bringing over 100 years of mortgage industry knowledge to achieve your goals. You can build, buy, refi, or renovate from double to triple-wide with Manufactured Nationwide's custom-tailored loans.