The availability of home only refinancing with equity cashback is usually reserved for manufactured homes located in well-regarded land/home communities. The value is usually determined by a professional appraisal and/or sales prices obtained utilizing previous comparable (sales comps) sales statistics for similar homes with common in-place value. These manufactured home lenders below can explain the process and decide what manufactured home loan option is best for you.

Do you already own land? Does your family have land to put your home on? A home only (Chattel) mortgage may be right for you! These loans were designed with landowners in mind! If you already own land, you may have the ability to get a loan on just your manufactured home, modular home, or mobile home. Reach out to one of our qualified lenders below to see if your circumstances qualify you for a home only (Chattel) mortgage!

8 Manufactured Home Lenders Available

ManufacturedHome.Loan

Here at ManufacturedHome.Loan we’ve leveraged our years of industry experience to make it easy and affordable to find financing for your manufactured home. No matter what your needs, our expert staff can walk you through the process step by step. Unlike traditional lenders or banking institutions, finding you the right loan for your factory built home is our sole focus. It’s what we do every day. The key to our success has been a combination... Read More

States served:

Alabama , Arkansas , California , Florida , Indiana , Louisiana , Mississippi , Oklahoma , Oregon , Texas , Washington 

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good, Fair, Poor
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

Credit Human

Refinance and purchase programs designed to fit your needs. Our commitment to you the customer is saving you money on your manufactured home loan with our highly competitive rates and flexible repayment terms. We offer a variety of financing options. Credit Human is a compassionate group of federally registered loan originators with decades of experience in manufactured home lending. Our carefully crafted programs and detailed educational materials allow our customers to make informed loan choices... Read More

States served:

Alabama , Arizona , Arkansas , California , Colorado , Delaware , Georgia , Idaho , Illinois, Indiana , Iowa , Kansas , Kentucky , Louisiana , Maryland , Minnesota , Mississippi , Missouri , Montana, Nebraska , Nevada , New Mexico , New York , North Carolina , North Dakota , Ohio , Oklahoma , Oregon , Pennsylvania, South Carolina , South Dakota , Tennessee , Texas , Utah , Washington , West Virginia , Wisconsin , Wyoming

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good, Fair
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

Country Place Mortgage

CountryPlace Mortgage is a full-service mortgage lender specializing in construction and renovation lending for manufactured and modular housing. Our loan products include FHA, conventional, USDA, and chattel loans. Headquartered in Addison TX, CountryPlace currently serves 33 states and has regional offices in Washington, Arizona, Texas, Florida, Missouri, North Carolina and Michigan. We are a direct lender and service 100% of the loans that we originate. Being a direct lender allows us to cut out the... Read More

States served:

Arizona , Arkansas , California , Colorado , Florida , Georgia , Idaho , Illinois, Indiana , Kansas , Kentucky , Louisiana , Michigan , Minnesota , Mississippi , Missouri , Montana, New Mexico , North Carolina , Ohio , Oklahoma , Oregon , Pennsylvania, South Carolina , South Dakota , Tennessee , Texas , Washington , Wisconsin , Wyoming

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good, Fair
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

Triad Financial Services

Triad Financial Services, Inc. is one of the oldest and most trusted lenders in the manufactured home industry with over 50 years of lending experience. Triad is trusted by Borrowers, Dealers, Lending Institutions and Realtors alike and has helped tens of thousands of families realize their American Dream of homeownership. As one of the very top consumer lenders in the nation, our goal is to be the friendliest, hardest working, service-oriented company in the business.... Read More

States served:

Alabama , Arizona , Arkansas , California , Colorado , Delaware , Florida , Iowa , Kansas , Kentucky , Louisiana , Maryland , Minnesota , Mississippi 

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

Cascade Financial Services

Cascade Financial Services is a leader in financing manufactured and modular homes. Cascade has developed mortgage loans tailored to meet the needs of manufactured home buyers. Cascade's competitive rates, fast turn-around times, and experienced staff make them a reliable option for home buyers looking to finance a manufactured or modular home. In 1999, Cascade Financial Services began offering conventional financing terms that were previously unavailable to buyers of manufactured homes. The dramatic improvement of manufactured... Read More

States served:

Alabama , Arizona , Arkansas , California , Colorado , Connecticut , Florida , Georgia , Idaho , Illinois, Indiana , Kentucky , Louisiana , Maine , Maryland , Michigan , Minnesota , Mississippi , Missouri , Montana, Nebraska , Nevada , New Jersey , New Mexico , New York , North Carolina , North Dakota , Ohio , Oklahoma , Oregon , Pennsylvania, South Carolina , South Dakota , Tennessee , Texas , Utah , Virginia , Washington , West Virginia , Wisconsin , Wyoming

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good, Fair
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

21st Mortgage Corporation

21st Mortgage Corporation specializes in providing financing to manufactured home buyers. The company originates and services loans in 42 states, predominately in the Southeast and Southwest. Loans are originated through relationships with manufactured home retail organizations, direct mail solicitation, and referrals from brokers. 21st Mortgage also makes loans directly to those who are buying a manufactured home or refinancing a manufactured home they already own.

States served:

Alabama , Arizona , Arkansas , California , Colorado , Connecticut , Florida , Georgia , Idaho , Illinois, Indiana , Kansas , Kentucky , Louisiana , Michigan , Minnesota , Mississippi , Missouri , Montana, Nebraska , Nevada , New Jersey , New Mexico , New York , North Carolina , North Dakota , Ohio , Oklahoma , Oregon , Pennsylvania, South Carolina , South Dakota , Tennessee , Texas , Utah , Virginia , West Virginia , Wisconsin , Wyoming

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

Alliance Credit LLC

Alliance Credit, LLC is a privately owned company operating in multiple states, specializing in retail, wholesale, and mortgage financing for the manufactured housing industry. Our staff has over 30 years of lending experience in the manufactured housing industry. For this niche market, we provide services to financial institutions and directly to the consumer. With our Direct Lending Program, we aim to provide the best loan possible to the consumer. Whether it’s for the purchase or... Read More

States served:

Kentucky , Ohio , Pennsylvania, West Virginia 

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote

Vanderbilt Mortgage

We are a national housing lender specializing in manufactured, modular, and mobile home financing. We have been in business for more than 40 years and have helped families just like yours find the right home loan for the home of their dreams. Vanderbilt offers a variety of programs for financing a manufactured home or financing a mobile home. We have a financing solution for you, whether you are a first-time homebuyer, have perfect credit, or... Read More

States served:

Alabama , Alaska , Arizona , Arkansas , California , Colorado , Delaware , Florida , Georgia , Hawaii , Idaho , Illinois, Indiana , Iowa , Kansas , Kentucky , Louisiana , Maine , Maryland , Michigan , Minnesota , Mississippi , Missouri , Montana, Nebraska , Nevada , New Hampshire , New Jersey , New Mexico , New York , North Carolina , North Dakota , Ohio , Oklahoma , Oregon , Pennsylvania, South Carolina , South Dakota , Tennessee , Texas , Utah , Vermont , Virginia , Washington , West Virginia , Wisconsin , Wyoming

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: Yes
Get a custom rate quote