7 Best Mobile Home Loans of October 2026

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Our top picks for the best mobile home loans of October 2026

• CrossCountry Mortgage: Best Overall
• Cascade Mortgage: Best for Buying Land + Property
• 21st Mortgage: Best Customer Service
• Manufactured Nationwide: Best for Loan Variety
• Credit Human: Best for Existing Homeowners
• Guild Mortgage: Best for Low Credit Borrowers
• Triad Financial Services: Best for Chattel Loans

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Pros

• Wide loan variety and high loan amounts
• Low credit score and down payment minimums
• Flexible land and property requirements
• Serves all 50 states
• Great reviews and ratings

Cons

• Mobile home loan info is sparse on its website
• No advertised interest rates

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HIGHLIGHTS

Loan products:

Conventional, FHA, VA, USDA, non-QM, chattel, home and land loans

Maximum loan amount:

$3.5 million

Terms:

10-30 years for fixed-rate loans, 3-10 years for adjustable-rate loans

Credit score minimum:

500

States served:

50

Home requirements:

Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation

Land requirements:

Owned land, leased land

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Why we chose it: CrossCountry Mortgage (NMLS #3029) is the clear winner as the best mobile home lender, earning a perfect 5 out of 5 on our rating scale. The lender boasts a wide variety of loans and high loan amounts. Its credit, down payment, property and land requirements are flexible, and it serves all 50 states, too. Its ratings are also notable, with a five-star rating based on over 22,000 customer reviews on Zillow.

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Pros

• Several loan options
• Low credit score requirements
• Flexible land and property requirements
• Great reviews and ratings

Cons

• Only serves 40 states
• No advertised interest rates
• No conventional loans

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HIGHLIGHTS

Loan products:

FHA, VA, chattel, construction-to-permanent, home-and-land loans

Maximum loan amount:

Not disclosed

Terms:

Up to 30 years

Credit score minimum:

575

States served:

40

Home requirements:

Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation

Land requirements:

Owned land, leased land

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Why we chose it: Cascade Mortgage (NMLS #89599) scores a solid 4.5 out of 5 on our rating scale — the second-highest score out of all mobile home lenders we analyzed. The company offers flexible home, credit and property requirements, and its ratings and reviews are strong. If you’re looking to finance land as part of your home purchase, it’s a top-notch choice. The lender’s LandSmart portfolio loan lets you buy your home and land at the same time, or, if you’re hoping to build on the land you’re buying, its construction-to-permanent loan is another solid option.

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Pros

• Deep experience in mobile home lending
• Flexible land and property requirements
• Low credit score minimum
• Great reviews and ratings

Cons

• Only serves 46 states
• No advertised interest rates
• No government-backed mortgages

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HIGHLIGHTS

Loan products:

Home-only loans, home-and-land loans, refinancing

Maximum loan amount:

Not disclosed

Terms:

Up to 25 years for home-only loans; up to 30 years for home-and-land loans

Credit score minimum:

575

States served:

46

Home requirements:

Primary residences, second homes, investment properties, new homes, used homes, permanent foundation, non-permanent foundation

Land requirements:

Owned land, leased land

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Why we chose it: You can’t find a lender more experienced in mobile home lending than 21st Mortgage (NMLS #2280). According to the Manufactured Housing Institute, the lender has issued the most mobile and manufactured home loans by volume over the past 14 years, and its reviews and ratings show it excels at customer service. The lender boasts an A+ rating with the Better Business Bureau and a 4.6 rating on Google, and it can even provide insurance for your new home.

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Pros

• Wide loan variety
• High loan amounts
• Serves all 50 states
• Great reviews and ratings

Cons

• No leased land or mobile home parks
• No non-permanent foundations

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HIGHLIGHTS

Loan products:

FHA, VA, USDA, jumbo, construction, cash-out, rehab/renovation, home equity

Maximum loan amount:

$3 million

Terms:

Up to 30 years

Credit score minimum:

640

States served:

50

Home requirements:

Permanent foundation required

Land requirements:

Owned land, no leased land or mobile home parks

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Why we chose it: Manufactured Nationwide (NMLS #411500) offers an unmatched lineup of loan options, including government-backed loans, jumbo loans, and renovation and home equity options. It also provides up to $50,000 in extra funding (before or after closing) and serves customers nationwide. Just take note: Manufactured Nationwide doesn’t allow for rented or mobile home park land, so you’ll need to own or purchase land to use this lender.

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Pros

• Wide loan variety
• Flexible land and property requirements
• No loan maximums

Cons

• No government-backed loan options
• Higher credit score minimum than other lenders analyzed
• Only serves 41 states
• Customer reviews could be better

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HIGHLIGHTS

Loan products:

Home-only loans, home-and-land loans, refinancing, home equity, cash-out

Maximum loan amount:

No maximum

Terms:

20-25 years

Credit score minimum:

660

States served:

41

Home requirements:

Primary residences, second homes, vacation properties, new homes, used homes, permanent foundation, non-permanent foundation

Land requirements:

Owned land, leased land

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Why we chose it: If you already own a home and are looking for options, Credit Human (NMLS #486243) has them. You can refinance your existing loan, take cash out of your home, or even get a home equity loan in addition to your first mortgage. Both owned and leased land is allowed, and you can finance primary residences, second homes and vacation properties.

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Pros

• Low credit score minimum
• Great reviews and ratings
• Fast closing times

Cons

• Only serves 49 states
• No chattel loans

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HIGHLIGHTS

Loan products:

FHA, VA, USDA, conventional

Maximum loan amount:

Not disclosed

Terms:

Up to 30 years

Credit score minimum:

540

States served:

49

Home requirements:

Not disclosed

Land requirements:

Not disclosed

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Why we chose it: After our top overall winner, Guild Mortgage (NMLS #3274) has the next-lowest minimum credit score among the lenders we analyzed, requiring only 540 to qualify. The lender also boasts strong customer reviews (5 stars on Zillow), serves customers in 49 states and offers a 17-day express closing if you’re on a tight timeline.

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Pros

• Experienced chattel loan lender
• Wide variety of loans
• Flexible down payment options

Cons

• Not available in all states
• Mixed customer reviews

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HIGHLIGHTS

Loan products:

Conventional, FHA, VA, home only, land and home, all-in-one construction loan

Maximum loan amount:

Varies

Terms:

Up to 25 years for home only loan; up to 30 years for land and home

Credit score minimum:

550

States served:

47

Home requirements:

Primary and secondary residences, new, used, with or without permanent foundation.

Land requirements:

Rented, owned, leased, or in parks.

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Why we chose it: Triad Financial Services (NMLS# 1063) has over 60 years of experience in the mobile and manufactured home loan industry. The lender offers multiple loan options and has a minimum credit score requirement of 550, making its products widely accessible. Triad also accepts cash, trade, and land-in-lieu as down payment options, giving borrowers greater financing flexibility.

Other companies we considered

Vanderbilt Mortgage: Vanderbilt Mortgage (NMLS #1561) provides financing for new and used manufactured homes, as well as home-and-land loans and loans for borrowers with poor credit (as low as 480). The lender is a subsidiary of Clayton Homes and the primary financing provider for the manufactured home builder. Vanderbilt doesn’t make our list because it lacks sufficient detail on several key data points in our evaluation criteria.

Rocket Mortgage: Rocket Mortgage (NMLS #3030) gets consideration in any “best of” mortgage list we publish, but when it comes to mobile home loans, its offerings just don’t measure up. The online lender’s loan options are limited to only FHA, VA and conventional loans, which may not work for many mobile home buyers.

CIS Home Loans: CIS Home Loans (NMLS #93140) offers a wide range of loan options and strong customer reviews. Its limited geographic footprint — just 26 states — and its owned-land-only requirement (no leased land or mobile home parks) kept it from being a top pick.

What you need to know about mobile home loans

Financing a mobile or manufactured home purchase differs from financing a typical property. Not all lenders will allow you to purchase these types of homes, so keep this in mind when choosing your mortgage lender.

There are also a variety of different loan options in this space, and the type of home you’re eyeing — not to mention its features and location (in a mobile home park, on land you own, etc.) — can determine what types of loans you can use to buy it.

Here’s what you need to know about mobile home loans before diving in.

Types of mobile homes

You might consider several types of “mobile homes.” First, there are mobile homes and manufactured homes. These are very similar, but for lending purposes, the construction date is the differentiating factor.

In addition, there are park model homes, which are mobile/portable properties you can move from one mobile home park to another as desired, and crossover modern homes, which are more like traditional homes.

Here’s a bit more about each of these:

• Mobile home: These are factory-built homes manufactured before June 15, 1976 — the date the U.S. Department of Housing and Urban Development (HUD) instituted new building regulations. Homes built before that date are ineligible for most standard mortgages. If you’re considering buying one, you may need to use a chattel loan, a personal loan or seller financing, if available.
• Manufactured home: A manufactured home is a mobile home built after June 15, 1976. This means they meet HUD’s new building requirements and are therefore eligible for most major mortgage loan programs.
• Park model homes: Park model homes are technically considered vehicles because they are small, movable, and portable. They don’t need to meet HUD regulation standards and don’t qualify for traditional mortgages. You’ll usually need to use a chattel loan, personal loan or another type of financing to buy these properties.
• Crossover modern homes (CrossMods): A factory-built home that is of a higher quality and includes features of a traditional site-built home, including porches, carports and garages. Some options are also designed to be more energy-efficient.

Types of mobile home loans

Depending on what type of mobile home you’re buying, you may have a number of financing options at your disposal.

Typical loan options include:

• Traditional mortgages: These are mortgages you’ll use to purchase a manufactured home that is already built. They include conventional, Federal Housing Administration (FHA), Veterans Affairs (VA) and Department of Agriculture (USDA) loans.
• Construction mortgages: If you’re looking to build your manufactured home to your specific liking, this type of mortgage can help. It covers the costs of the home’s construction and land preparation in phases.
• Personal loans: Another option for purchasing mobile or manufactured homes, though they may have lower loan limits than traditional mortgage products. You’ll typically need excellent credit; otherwise, you’ll face high interest rates.
• Chattel loans: Chattel loans can finance movable property, such as a park model home, machinery, or equipment. You cannot use chattel loans to purchase land.
• Seller financing: If you’re purchasing a mobile home or manufactured home from a previous owner, they may let you pay them for the property in set payments (plus interest) over time. This is called seller financing, and while it sounds nice, be wary. According to the Pew Charitable Trusts, approximately 20% of mobile home loans are financed through risky contracts with sellers and other parties that lack federal or state protections.

If you’re unsure what the best way to finance your home purchase is, you can talk to a financial advisor or mortgage broker. They can point you in the right direction for your goals and property type.

How to qualify for a mobile home loan

The requirements you’ll need to meet for a mobile or manufactured home loan depend on the lender you choose and the type of mortgage program you’re using. With traditional mortgages, you’ll need to meet specific credit score, debt-to-income (DTI) and loan-to-value ratios, and you’ll often need to provide a down payment, too.

With others, you may need to meet specific home and land requirements (for example, you might need to own the land you’re buying a home on, or you might need to purchase a new property or one with a permanent foundation).

Generally, you’ll need a credit score between 500 and 680 and a down payment of up to 35%. In some cases, you may be able to use the land you’re buying or building on as collateral in lieu of a down payment. You will usually need a DTI of 50% or lower to ensure you can make your payments.

Latest news in mobile and manufactured homes

Mobile and manufactured homeowners face rising costs as lot rents keep climbing. A recent story on ABC27 News highlighted the plight of mobile homeowners in Pennsylvania, who are experiencing this trend.

According to the report, private companies are purchasing mobile home communities and increasing fees and rents. In one particular case cited by ABC 27 News, lot rents in the Red Maples Acres community have doubled over the past few years, with one mobile home owner now paying $900 a month.

To address concerns over mounting costs, the Pennsylvania House of Representatives introduced a bill that would limit lot rent increases to at least 2% and no more than 4% per year. Although the bill passed the House, it is currently sitting in the Senate, waiting to be brought to a vote before the last session of the year ends.

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Best mobile home loan FAQs

Can you get a loan for a mobile home in a park?

Yes. Since you’re only buying the home, not the land, you’ll need to take out a chattel loan, which usually carries a higher interest rate, or an FHA Title 1 loan, which offers more competitive rates.

Can you get an FHA loan on a mobile home if you don’t own the land?

Yes. FHA Title I loans can finance a home-only purchase or a land-and-lot purchase, and currently have a limit of $105,532 for a single-section home. Title II loans can finance the purchase of a manufactured home as long as it is legally classified as real property, and have a baseline floor of $541,287.

How much do you need for a down payment on mobile home?

You can buy a mobile home with 0% down if you finance with a VA or USDA loan. An FHA loan requires a 3.5% down payment for a first-time purchase and 5% for a subsequent loan. Chattel loans require a higher down payment, up to 35% for borrowers with poor credit.

Is it harder to get a mortgage for a mobile home?

Yes, it is. Fewer lenders offer this type of loan, and denial rates are higher than for site-built homes. Borrowers who take out a chattel loan also face higher interest rates and are denied more often.

Can you refinance a mobile home loan?

Yes, you can. You gain the biggest advantage if you can convert the mobile home into real property and permanently affix it to land. You can then refinance into a conventional loan at a lower interest rate compared to a chattel loan.

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Methodology

We evaluated nearly two dozen mobile home mortgage lenders nationwide, gathering data on product terms, qualifying requirements, interest rates, availability, reputation and other factors to zero in on the best ones. Lenders were rated on a one-to-five scale across six categories: property requirements (25%), land requirements (20%), loan options (15%), credit score requirements (15%), ratings/reviews (15%), and geographic availability (10%).

We prioritized companies that:

• Offer a variety of loan products, including government-backed mortgages
• Are flexible in their borrowing requirements, allowing you to purchase homes with both permanent and non-permanent foundations, new and used homes, and homes on both leased and owned lands
• Finance a land and home purchase
• Boast a broad geographic footprint, allowing more borrowers access to their products

Summary of our top picks for the 7 best mobile home loans of October 2026

• CrossCountry Mortgage: Best Overall
• Cascade Mortgage: Best for Buying Land + Property
• 21st Mortgage: Best Customer Service
• Manufactured Nationwide: Best for Loan Variety
• Credit Human: Best for Existing Homeowners
• Guild Mortgage: Best for Low Credit Borrowers
• Triad Financial Services: Best for Chattel Loans

More from Money:

• 8 Best Mortgage Lenders of 2026
• Housing Market Forecast: Will Home Prices Finally Fall in 2026?
• Buying a House? This Overlooked Step Could Save You $1,200 a Year