Manufactured Home Loans · 11 states
A manufactured home can be an affordable path to ownership. I help you finance one in the 11 states where I am licensed, from foundation requirements to the loan program that fits.
Licensed in 11 states
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No-pressure advice
The Basics
A manufactured home built after June 15, 1976 carries HUD certification labels. When it sits on a permanent foundation on land you own and is titled as real property, it can often qualify for a traditional mortgage instead of a higher-cost personal property loan.
Rules differ by program. FHA, VA, conventional and USDA each set their own standards for age, size, foundation and appraisal. I check these first so you do not fall for a home that cannot be financed.
Most programs require the home to be permanently attached to an approved foundation and treated as real property.
FHA, VA, conventional and USDA programs may each finance manufactured homes that meet their guidelines.
Owning the land the home sits on usually opens up the best loan options and pricing.
The home needs its HUD labels and data plate, and the appraiser checks that the foundation meets guidelines.
How It Works
01
We confirm the year, labels, foundation and land situation before you go further.
02
I review your credit and income so you know your options.
03
I compare programs that allow your home type and choose the best fit.
04
The appraisal confirms value and foundation compliance. I coordinate closing.
Where I Lend
Local zoning, titling and foundation rules matter, so I check them early.
Virginia
Manufactured homes are common across Virginia. County zoning and foundation rules vary, so I confirm them early with you and your agent.
Tennessee
Tennessee buyers often place manufactured homes on family land or in growing rural counties. Titling and land ownership details matter.
Georgia
Georgia has strong demand for manufactured housing. I help confirm foundation certification and title status before you commit.
Common Questions
Homes built before June 15, 1976 generally cannot be financed through standard HUD-based programs. Other options may exist, so ask.
Owning the land is usually best and opens more programs. Some situations, such as land leases, follow extra rules.
An engineered foundation that meets HUD guidelines, with the home permanently attached. An engineer's certificate may be required.
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Next Step
Share the home and land details and I will tell you which programs may work. No pressure and no obligation.
Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.
