Manufactured Home Loans
FHA, VA, and conventional financing for manufactured and modular homes — real lending for real homes.
Overview
Manufactured and modular homes offer affordable homeownership, and with the right lender, financing is available through FHA, VA, conventional, and non-QM programs. The key requirement is that the home must be on a permanent foundation and titled as real property (not personal property). Airus Lending works with lenders experienced in manufactured home lending.
Who Is This For?
- Buyers purchasing a manufactured home on a permanent foundation
- Veterans using VA benefits for a manufactured home
- Buyers in rural or suburban areas seeking affordable options
- Borrowers purchasing a modular home (factory-built, site-assembled)
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Verify Eligibility
Confirm the home is on a permanent foundation and titled as real property.
Get Pre-Approved
Explore your program options and get qualified.
Purchase & Close
Your advisor guides you through to closing.
Frequently Asked Questions
The home must be built after June 15, 1976 (HUD code), on a permanent foundation, titled as real property, and at least 400 sq ft. Mobile homes not on permanent foundations are generally not eligible.