Financing Your Modular or Manufactured Home

Hannah Troyer
Dec 1, 2025
2 min read

If you’ve ever wondered whether you can finance a modular or manufactured home, the answer is almost always yes. At Premier Homes, we work with any lender you choose, but we also partner with several trusted local lenders who are experienced in modular and manufactured home financing. These lenders offer FHA, VA, USDA, and conventional loans, along with both land-and-home and home-only options.

Flexible Loan Options Through Local Lenders

Our lending partners offer a full range of programs:

Government Loans (FHA, VA, USDA)

Perfect for buyers needing low or no down payment options and more flexible credit guidelines. Many customers qualify even if they’re working on improving their credit score.

Conventional Loans

Great for buyers with stable credit who want competitive rates, flexible terms, and financing options for both modular and manufactured homes.

For a detailed look at the lenders we frequently work with, visit our Lenders page.

Land-and-Home vs. Home-Only Loans

Land-and-Home Financing

A single mortgage that covers your home, your land, and even site improvements like the foundation, septic, well, or utilities. Own land already? You can often use your land equity as your down payment—sometimes eliminating the need for cash at closing.

Home-Only Loans

Ideal if you’re placing a home in a manufactured home community or not financing land. These loans offer faster approvals, flexible credit requirements, and lower upfront costs.

Financing Is Easier Than You Think

Many customers start this process unsure of what’s possible. Here’s the good news:

Your land can be used as your down payment.
Challenged credit doesn’t disqualify you. Many lenders have programs built for this.
Zero-down options exist, including USDA and VA loans.
Site improvements can be financed, reducing cash needed upfront.