Finance Guides

Manufactured Home Finance Blog

Plain-language guides on mobile home loans, rates, FHA programs, insurance, and what lenders actually require.

finance6 min readMar 15, 2026

Mobile Home Loan Interest Rates in 2026

Current mobile home loan rates run 7%–12% for chattel loans and 6.5%–8.5% for real property mortgages. See what affects your rate and how to get the best deal.

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finance6 min readMar 18, 2026

Chattel Loan vs. Mortgage for a Manufactured Home

Chattel loans are faster but cost more; real property mortgages have lower rates but stricter requirements. Here's how to know which one applies to your situation.

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finance6 min readMar 20, 2026

FHA Title I vs. Title II Loans for Mobile Homes

FHA Title I finances the home alone (no land needed); Title II requires land ownership but offers better rates. Learn which program fits your situation.

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finance6 min readMar 22, 2026

How Much Down Payment for a Mobile Home?

Down payments for mobile homes range from 3.5% (FHA) to 20%+ for chattel loans. This guide breaks down requirements by loan type and shows how down payment size affects your monthly cost.

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guides7 min readMar 25, 2026

Mobile Home Buying Checklist: 10 Steps Before You Sign

Buying a mobile home involves more steps than people expect. This checklist walks you through financing, inspections, title work, and closing — in the right order.

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finance8 min readMar 27, 2026

When and How to Refinance a Manufactured Home Loan

Refinancing a manufactured home loan can save hundreds per month, but the rules differ from conventional mortgages. Learn when it makes sense and what the process looks like.

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comparison6 min readMar 29, 2026

Mobile Home vs. Stick-Built House: True Cost Comparison

Mobile homes cost 50-70% less than comparable stick-built houses, but the total cost picture includes lot rent, depreciation, and loan rates. Here's an honest comparison.

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finance8 min readApr 1, 2026

What Credit Score Do You Need for a Mobile Home Loan?

Most chattel lenders want 640+ for competitive rates; FHA programs start at 500-580. This guide explains credit thresholds by loan type and strategies to improve your score before applying.

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guides6 min readApr 2, 2026

Lot Rent vs. Land Ownership for Mobile Homes

Lot rent keeps upfront costs low but adds $350-900/month and limits your loan options. Owning land costs more upfront, opens the door to better financing, and gives you a second appreciating asset.

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guides8 min readApr 4, 2026

Mobile Home Insurance Cost in 2026: Complete Breakdown

Mobile home insurance costs $700–$1,500/year for most buyers. Coverage, location, and home age all affect your premium. This guide covers what you need and what to avoid.

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