Home refinance can be a valuable tool to renegotiate terms with your current manufactured home lender. This process is available for manufactured homeowners who owe money, but are seeking 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 option is best for your particular manufactured home loan needs.

21 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

CSL Financial

We’ve built our business on delivering customized manufactured home lending solutions. The CSL Financial family of companies have been in the manufactured housing environment for many years. First, we provided retail financing direct to consumers. Then, as the lending environment became more complex, we stepped in to simplify the path to home ownership, with home sales and community management to support our retail lending programs. Our experience allows us to understand this unique business from... Read More

States served:

Alabama , Arkansas , Georgia , Kentucky , Louisiana , Mississippi , North Carolina , Oklahoma , South Carolina , Tennessee , Texas 

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

CIS Home Loans

CIS Home Loans is a full-service mortgage bank with over 25 years of experience. We help families achieve their goals of home ownership. The personal relationships we form during the loan process are as important to us as the loan itself. At CIS Home Loans, you can expect character, integrity, and service.

States served:

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

  • Rate Type: Fixed
  • Application Fee: Under $100
  • Accepted Credit: Excellent, Good
  • Home Only: No
  • Land Home: Yes
Get a custom rate quote

eLend

eLEND is a division of American Financial Resources, Inc. that strives to provide affordable home financing options to first time buyers and existing homeowners. We utilize the latest technology and deliver educational resources to our customers in an effort to simplify the mortgage process.

States served:

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

  • Rate Type: Fixed, Variable
  • Application Fee: Under $100
  • Accepted Credit: Excellent, Good
  • Home Only: No
  • 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

American Financial Resources

Established in 1997 and based in Parsippany, NJ, AFR has evolved adding both B2B (AFR) and B2C (eLEND) residential mortgage divisions. We serve thousands of mortgage brokers, bankers, lenders, homeowners, home buyers, realtors and contractors nationwide, with their residential financing needs. We are driven by our incredible employees and their desire to help families across the country obtain their dream of homeownership.

States served:

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

  • Rate Type: Fixed
  • Application Fee: Under $100
  • Accepted Credit: Excellent, Good
  • Home Only: No
  • Land Home: Yes
Get a custom rate quote

Land Home Financial Services

We provide diversified funding options and consistent, superior, personalized service to our clients and partners, including homebuyers, mortgage brokers, builders, manufactured and modular home retailers, and real estate agents. Whether you are looking to purchase a home, refinance your current mortgage, or get a reverse mortgage, our expert services can walk you through the process in-person or over the phone.

States served:

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

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

One Trust Home Loans

OneTrust Home Loans provides access to exceptional mortgage loan options that promotes long term stability to homeowners, originators, and investors. The company recognizes the importance to develop leading-edge technology, new products and processes when delivering on its lending solutions. We are committed to being progressive in growing all facets of our business successfully. OneTrust Home Loans conducts all business relationships with honesty, integrity and openness while providing a rewarding work environment for its employees. We... Read More

States served:

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

  • Rate Type: Fixed, Variable
  • Application Fee: Under $100
  • Accepted Credit: Excellent, Good
  • Home Only: No
  • Land Home: Yes
Get a custom rate quote

First Advantage Bank

We talk a lot about how drastically the banking industry has been evolving in recent years, fueled by rapid changes in government regulation, technology, and consumer behavior. But the truth is, banking has been a changing industry ever since the first banks appeared in antiquity. The very nature of banking as a service demands constant adaptation to mirror that of the people it serves. In 2011, we knew that we had become much more than... Read More

States served:

Tennessee 

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

Park Lane Financial

Park Lane Finance Solutions prides itself on providing affordable financing for purchasing or refinancing manufactured homes. Park Lane is headquartered in Charlottesville, VA with our primary office in Staunton, VA. We specialize in home-only lending in land-lease communities. Our licensed mortgage loan originators receive and process loan applications, as well as manage and close loans in our rapidly expanding region which currently includes Florida, Kentucky, Maryland, North Carolina, South Carolina, and Virginia. We are quickly... Read More

States served:

Florida , Georgia , Indiana , Maryland , North Carolina , North Dakota 

  • Rate Type: Fixed
  • Application Fee: Under $100
  • Accepted Credit: Excellent, Good
  • Home Only: No
  • Land Home: Yes
Get a custom rate quote