Attainable Homeownership
Financing ThatWorks For You
Multiple loan options, trusted lender partners, and expert guidance to make your homeownership dream a reality.
Your Options
Financing For Every Situation
Today's buyers have more options than ever for factory-built homes.
Conventional Mortgage
When placed on a permanent foundation and titled as real property, manufactured homes qualify for traditional mortgages through Fannie Mae and Freddie Mac.
- Fixed-rate terms up to 30 years
- Down payments as low as 3%
- Competitive interest rates
The Opportunity Most Don't Know About
Real Property
Conventional Financing
Here's what changes everything: when placed on a permanent foundation, manufactured homes may receive similar consideration for financing, appraisal, and insurance as traditional site-built homes.
This means access to conventional mortgages with competitive rates, standard homeowner's insurance, and the potential for property appreciation—just like any other home.
However, requirements vary among lenders and insurers. The specifics depend on your location, the home's specifications, foundation type, and other factors.
This is where we guide you through every detail.
What This Means For You
Conventional Mortgage Rates
Instead of higher chattel loan rates—potentially saving thousands over the loan term
30-Year Fixed Terms
Lower monthly payments spread over a standard mortgage timeline
As Low as 3% Down
Through programs like MH Advantage, vs. 10-20% for personal property loans
Appreciation Potential
On owned land with permanent foundation, homes can build equity like traditional real estate
Standard Insurance Options
Access to typical homeowner's policies instead of specialized manufactured home coverage
Requirements vary—let us help you understand what applies to your situation.
Ask About Real Property FinancingSimple Steps
The Financing Process
We make it straightforward. Here's how it works.
Get Pre-Qualified
Quick application with our lending partners to understand your budget and options.
Choose Your Home
Browse our models and customize with the features that matter to you.
Secure Financing
Work with your lender to finalize loan terms and complete underwriting.
Close & Build
Sign your documents, and we'll coordinate production and installation.
Featured Program
Fannie Mae MH Advantage
Qualifying manufactured homes can access conventional mortgage terms—down payments as low as 3%, competitive rates, and terms up to 30 years.
Conventional
Rates
3% Min
Down Payment
30 Years
Terms
None
Penalties
Home must meet specific construction requirements. Ask us about qualifying models.
Ready to Explore Your Options?
No pressure, just expertise to help you find the right path.