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Financing the Home and Land in California

Washington Manufactured Home Loans

Financing For Manufactured Homes and Mobile Homes In Washington

Securing financing for a factory-built home in Washington involves navigating various unique aspects of the state’s housing market, and is here to guide you through the process. As a nationwide lender with a dedicated Washington office, we have extensive experience dealing with the specific nuances of financing manufactured and mobile homes in the Evergreen State.

Understanding the local market conditions and state regulations is crucial when seeking a loan for a factory-built home in Washington. Our Washington-based experts possess an in-depth knowledge of these factors, ensuring that you will receive accurate and relevant advice. The Washington housing market presents unique challenges, such as varying zoning laws and property classifications, which can affect your financing options. Our team is well-versed in these complexities and can help you navigate through them confidently.

Why choose for your Washington manufactured home loan?

Washington’s diverse housing landscape offers a range of options for manufactured and mobile homes. However, the loan process can be intricate due to state-specific regulations and market conditions. Here’s why we are the best choice for your Washington manufactured home loan:

In-depth knowledge of WA laws & regulations

Our WA team is intimately familiar with the state’s specific regulations, zoning laws, & property classifications. This knowledge allows us to offer tailored advice & solutions.

Customized loan solutions

Whether you're looking for a traditional manufactured home loan, a mobile home loan, or a combination of both, we offer flexible financing options to meet your needs and budget.

Competitive rates and terms

We leverage our nationwide presence to offer competitive interest rates and favorable loan terms, ensuring you get the best deal possible.

Local expertise with nationwide reach

While our focus is on Washington, our expertise extends nationwide, providing you with a broad perspective on the best financing options available.

Understanding Manufactured and Mobile Home Loans in Washington

Financing the Home and Land in Washington

Manufactured Home Mortgages

Manufactured homes, also known as prefab homes, are built in a factory and transported to a specific site. In Washington, these homes are often placed on permanent foundations, qualifying them for traditional mortgage financing. Our loans for manufactured homes include:

  • Fixed-Rate Mortgages
  • Adjustable-Rate Mortgages (ARMs)
  • FHA and VA Loans
  • USDA Loans for Rural Areas

Manufactured Home Loans in Parks and Lease Communities

In Washington, many manufactured homes are placed in parks or lease communities, offering an affordable and flexible housing solution. While these homes are often on leased land, there are specialized financing options available to make homeownership possible. Our loans for manufactured homes in parks and lease communities include:

  • In Park Financing
  • Chattel Loans
  • FHA Title I Loans
  • Cash Out Refinancing

Mobile Home Loans

Mobile homes, although similar to manufactured homes, are typically older and can be placed on rented or leased land. We offer specialized financing options for mobile homes, ensuring that you can secure your dream home regardless of its location. Our mobile home loan options include:

  • Chattel Loans
  • Personal Property Loans
  • Pre-Hud Financing Programs

The Washington Advantage: Unique Benefits of Financing in the Evergreen State

Washington offers unique advantages for those looking to finance a manufactured or mobile home:

Mild Climate: The state’s temperate weather reduces wear and tear on homes, preserving their value and making them a long-term investment.

High Demand: Washington’s high housing demand means that manufactured and mobile homes can appreciate in value, providing a solid return on investment.

Green Living: Many Washington manufactured home communities prioritize sustainability and eco-friendly living, aligning with the state’s environmental initiatives.

Prime Locations: From the stunning coastlines to vibrant urban centers, Washington offers diverse and desirable locations for manufactured and mobile homes.

Contact Us

Ready to take the next step? Our Washington office is here to help. Contact us today to discuss your financing options and start your journey toward owning a manufactured or mobile home in Washington.

Phone: (833) 645-6263
Address: 4405 7th Ave SE #303, Lacey, WA 98503

At, we’re more than just lenders; we’re your partners in achieving the dream of homeownership in Washington. Let our expertise guide you every step of the way.