Manufactured Home Loans
Why choose a manufactured home?
Modern manufactured homes offer several advantages and benefits over traditional housing that have increased their popularity among homeowners. They are customizable, affordable, energy efficient, and easy to maintain, making them an appealing option for everyone from first-time home buyers to retirees looking to downsize.
Some of the benefits include:
- Less expensive than most site-built homes
- HUD quality control requirements apply during the entire building process
- Upgrades are often available at a fraction of retail costs
If your home is part of a planned community, you may need a non-conforming loan:
For manufactured homes on leased land or other properties, non-conforming manufactured home loans are available through our partner Triad Financial Services, which is available nationally.
- One or more sections
- Title(s) not eliminated or cancelled, treating home as personal property
- May be on a non-permanent foundation system
- May be built before June 1976
- Applicant may rent or lease land/space home is located on
Questions? Use this link to review the Triad Financial Frequently Asked Questions (opens in a new tab) (this link will show a message before it opens) page. Or, to reach a Triad Loan Officer, call 800-522-2013 and enter option 5 when prompted to reach the Loan Officer/Sales Department.
Note: Non-conforming loan rates vary and will be provided by Triad Financial Services during the application process.
If you own the land for your home, you may need a conforming loan:
First Fed directly offers conforming manufactured home loans. Our lending experts are here to walk you through the process and find the best terms for your property needs. First Fed mortgage financing is only available for Washington State properties at this time.
Conforming manufactured home loans include homes that are:
- Two or more sections
- Title(s) eliminated or cancelled, treating home as real property
- On a permanent foundation
- Built after June 1976
- Applicant owns home and land
Conforming rates as low as: See rate details
Need more information? Contact our Mortgage Loan Officers to discuss your options and let us help guide you through this process.
Conforming Manufactured Home Loan Rates
Manufactured Homes: Purchase
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Purchase | 6.990% | 7.103% | 0.375 | $375,000.00 | $2492.37 |
| 15-year Fixed Rate MH Purchase | 6.500% | 6.756% | 0.875 | $375,000.00 | $3266.65 |
Interest Rates Effective: 09/17/2026
Rates listed are for primary residence in manufactured home with a 25% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Refinance Rate-and-Term Refi Rates
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Refinance | 7.125% | 7.227% | 0.250 | $375,000.00 | $2526.44 |
| 15-year Fixed Rate MH Refinance | 6.500% | 6.795% | 1.125 | $375,000.00 | $3266.65 |
Interest Rates Effective: 09/17/2026
Rates listed are for primary residence in manufactured home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Cash-out Refi
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Cash-out Refi | 7.250% | 7.377% | 0.125 | $325,000.00 | $2568.72 |
| 15-year Fixed Rate MH Cash-out Refi | 6.500% | 6.924% | 1.875 | $325,000.00 | $2831.10 |
Interest Rates Effective: 09/17/2026
Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.