Most lenders will not touch these. Some will.
Manufactured and modular home financing across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Manufactured housing is a large part of the affordable market across rural Virginia, Maryland and North Carolina, and a small part of what most lenders will finance.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
This applies to you if any of this is true
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You are buying a manufactured home | The core case, and one where the lender pool decides everything | All purchase loans → |
| You own the land it sits on | This usually determines whether a mortgage is possible at all | Talk to us → |
| You are refinancing one you own | Frequently possible, and frequently assumed not to be | Refinance options → |
| You are buying in rural Virginia or North Carolina | Both markets have significant manufactured housing stock | USDA loans → |
| A lender has already declined you | Very common, and usually about the product rather than about you | Talk to us → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a manufactured home file needs
The home classified as real property
Permanently affixed to land you own is usually what makes mortgage financing possible.
The land
Owning the land it sits on changes the picture entirely. Leased-land homes are much harder.
Age and construction standards
The home must meet the federal construction standard, and its age matters to lenders.
A credit history the lender can price
Standard.
A deposit
Usually more than a comparable site-built home.
A lender that finances these
The whole constraint. Most simply do not.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Land ownership usually decides everything
A home on land you own can often be financed as real property. On leased land the options narrow sharply.
Age and standards matter
Older homes fall outside what most lenders will accept, regardless of condition.
A decline is usually about the product
Being told no on a manufactured home rarely reflects your file. It reflects a lender that does not offer this at all.
Nadeem Bhatti
Where we place manufactured home loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about manufactured homes
Can I get a mortgage on a manufactured home?
Often yes, particularly when it is permanently affixed to land you own. Far fewer lenders offer it, which is why shopping matters here.
What if the land is leased?
Harder, and the options narrow considerably. It is worth a conversation rather than an assumption.
Does the age of the home matter?
Yes. Most lenders set limits on age and on the construction standard the home was built to.
Is it the same as a modular home?
Not quite. Modular homes are built to different standards and are generally easier to finance.
Why was I declined elsewhere?
Usually because that lender does not finance this property type at all. That is a different thing from your file being weak.
Find out whether yours qualifies
Tell us about the home, its age and whether you own the land. We will tell you honestly what is possible, free.