Manufactured Home Financing: What You Need to Know
At North Star Mortgage Network, we are proud to offer manufactured home financing solutions to help more families achieve the dream of homeownership. Whether you’re purchasing a single-wide, double-wide, or triple-wide manufactured home, we have flexible loan options designed to meet your needs.
Manufactured homes are a smart and affordable choice, but financing them comes with a few important requirements. If you’re considering buying a manufactured home, here are the two most critical things to keep in mind to ensure a smooth loan process:
Manufactured Home Financing Tip #1: Get a Foundation Inspection
When it comes to manufactured home financing, lenders require the home to be properly installed on a permanent foundation. A certified foundation inspection is mandatory to confirm that the home meets HUD (U.S. Department of Housing and Urban Development) guidelines.
One of the most trusted providers in this space is ADP Foundation Inspections, known for their experience in HUD-compliant reporting. This inspection confirms the home is anchored securely and structurally sound. Without it, FHA, VA, and even some Conventional loans may not be approved.
Manufactured Home Financing Tip #2: The Home Must Be on Its Original Site
Another key requirement for manufactured home financing is that the home must still be on the original lot where it was first installed — often called being “born on lot.” If a home has been moved after its initial installation, it becomes much harder (and often ineligible) to finance through most traditional programs.
Relocation can affect the structural integrity and complicate title and lien documentation. Before moving forward, always verify that the home has never been moved.
We Offer FHA, VA, and Conventional Manufactured Home Loans
At North Star Mortgage Network, we’re proud to provide FHA, VA, and Conventional loan options for qualified manufactured homes. Whether you’re a first-time buyer with limited funds, a veteran using your well-earned benefits, or a buyer looking for competitive Conventional rates, we can help. As long as the home meets key criteria—permanent foundation, on original site, and meets HUD code—we’re ready to walk you through the financing process with confidence.
Why Choose North Star Mortgage Network for Manufactured Home Financing?
For over 25 years, North Star Mortgage Network has provided personalized, transparent service to Florida homebuyers. We understand that manufactured home loans require attention to detail and knowledgeable guidance—and that’s exactly what we deliver.
Let us help you navigate manufactured home financing with integrity, expertise, and competitive options. Your best interest is our principal concern.
Contact us today to learn more about manufactured home loan options!
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