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Articles, guides, and tips to help you get the most out of our calculators.
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.
Read moreChattel 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.
Read moreFHA 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.
Read moreHow 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.
Read moreMobile 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.
Read moreWhen 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.
Read moreMobile 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.
Read moreWhat 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.
Read moreLot 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 but unlocks better financing and potential appreciation.
Read moreMobile 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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