USDA Manufactured Home Loans · 11 states
USDA rules for manufactured homes are stricter than for site-built homes. I walk through the requirements in the 11 states where I am licensed and tell you honestly whether the loan can work for your home.
Licensed in 11 states
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No-pressure advice
The Basics
USDA financing for manufactured homes combines USDA's eligibility rules for area and income with strict standards for the home itself. The home generally has to sit on a permanent foundation, be titled with the land as real property and meet HUD labeling requirements.
Program rules for manufactured homes, including age and condition limits, change over time and vary by lender. Ask me to confirm current requirements before you commit to a home, and whether USDA is available for your purchase today.
The property must sit in a USDA eligible area, and household income must be within the county limit.
The home must be permanently affixed and treated as real property together with the land.
Requirements on age, condition and HUD certification can be stricter than for conventional or FHA financing.
If USDA does not work, FHA, VA or conventional programs may still finance the same home.
How It Works
01
We check the address on the USDA map and your household income against the limit.
02
We confirm year, labels, foundation and title before you make an offer.
03
I review your credit and compare USDA with other programs.
04
The file goes through lender and USDA review, then to closing.
Where I Lend
Eligible areas and local rules vary, so we check each address.
Virginia
Many rural and small-town areas qualify. County zoning and foundation rules still apply.
Tennessee
Eligible areas come from the USDA map. Land ownership and title status are key details.
Georgia
Georgia has many eligible communities. We confirm the address, foundation and title before you proceed.
Common Questions
No. The home has to meet age, condition, foundation and certification standards. I check these before you invest time in a property.
Generally the home and land are financed together as real property. Special situations have extra rules.
We look at FHA, VA and conventional programs that allow manufactured homes and pick the best fit.
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Next Step
Share the address and home details and I will tell you what is possible. 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.
