Replacing old mortgage terms with another mortgage is called a home refinance. This process is available for homeowners who owe money to their manufactured home lenders still but wish to renegotiate for a better interest rate. As helpful as this can be if done improperly there can be repercussions on your financial stability. Luckily, these lenders below can help you decide if this manufactured home loan option is best for your particular needs.

14 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

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

Santiago Financial, Inc.

At Santiago Financial, Inc., we believe in helping the consumer make an educated choice, understanding the process, and assisting them from beginning to end. With over forty years of experience, Santiago Financial Inc. provides world-class service in all facets of manufactured or mobile housing lending in Orange County and Los Angeles County - one customer at a time.

States served:

California 

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: No
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

US Financial Network, Inc.

U.S. Financial Network, Inc. is the the premier manufactured and mobile home mortgage company on the West Coast. Manufactured/mobile home financing is our only business--we concentrate on finance programs specifically for the purchase or refinance of manufactured and mobile homes, exclusively in the State of California. Our specialization in this area allows us to access lenders that other companies cannot, resulting in lower down payments, lower monthly payments, and lower rates for you.

States served:

California 

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent
  • Home Only: Yes
  • Land Home: No
Get a custom rate quote

First Bank Mortgage

FirstBank Mortgage Bankers are dedicated to building enduring relationships by providing a home lending experience unmatched in personal service, professional excellence and complete client satisfaction. By providing in-house underwriting, closing, and funding, we uniquely manage the entire loan process under one roof. Whether Conventional, FHA or VA, FirstBank Mortgage off­ers loan options nationwide for home purchases, refinances, renovations and investment properties.

States served:

Alabama , Georgia , Tennessee 

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: No
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

M H Loans Corporation

MH Loans has a successful method of financing mobile homes in Florida, Texas and California. The long history of solid customer service along with industry knowledge, has driven MH Loans into the spotlight as a premier lending resource for manufactured homes. The team is composed of committed individuals that go the distance to discover the best financing solutions for clients. The company has been a leader in the online mobile home loan market for many... Read More

States served:

California , Florida , Texas 

  • Rate Type: Fixed, Variable
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: No
Get a custom rate quote

RANlife Home Loans

At RANLife Home Loans our experienced mortgage professionals view a refinance, or purchase of a home loan, as more than just a one time transaction. We believe it's the start of a long term relationship that can save the home owner thousands of dollars over the life of their loan.

States served:

Arizona , California , Colorado , Florida , Hawaii , Idaho , Illinois, Indiana , New Mexico , Oregon , Tennessee , Texas , Utah , Virginia , Washington , Wyoming

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Excellent
  • Home Only: Yes
  • Land Home: No
Get a custom rate quote

Lifestyle Mortgage

By providing the Highest Level of customer SERVICE to our clients Lifestyle Mortgage is able to soothe the apprehension of applying for, and your experience with, the entire mortgage loan process. By providing the Highest Level of customer SUPPORT, we are able to guide our clients through the application process, and based on their situation, accurately discuss the options that best meet their objectives.

States served:

Alabama , Mississippi , Missouri , North Carolina , Tennessee 

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Excellent, Good
  • Home Only: Yes
  • Land Home: No
Get a custom rate quote

Manufactured Home Mortgage

At Manufactured Home Mortgage, we'll guide you through the process and make it worry-free to improve your interest rate and monthly payment. We can help you pay down your balance more quickly for a comparable monthly payment

States served:

California 

  • Rate Type: Fixed
  • Application Fee: None
  • Accepted Credit: Fair
  • Home Only: Yes
  • Land Home: No
Get a custom rate quote