Can I get a VA loan on a manufactured house

VA does guarantee loans on manufactured housing for eligible veterans. Not all lenders offer VA loans on manufactured housing. If you have trouble locating a lender for a manufactured home contact a mobile home dealer in your area.

It is easier to locate VA and other forms of financing for modular homes versus mobile homes or manufactured housing.

Here’s a primer on the differences between these types of homes:

Mobile home: Built in a factory, moved to a site on wheels attached to the home. Can be placed on real property owned or leased by the owner of the mobile home. The ownership of the mobile home is by title, similar to how vehicles are titled. Financing is secured by the title to the mobile home, not the real estate on which it sits.

Manufactured home: A mobile home that is moved to a site, permanently attached to real estate owned by the purchaser and the title is surrendered to the state resulting in the home becoming a fixture to the property. May be financed by a real estate loan, though not all lenders will lend on manufactured housing.

Modular home: A home built in a factory and then moved in pieces by truck to the building site where it is assembled and permanently afixed to the real estate. The home is never titled and becomes a fixture of the real property. May be financed by a real estate loan. More residential lenders are willing to lend on real estate that has a modular home than they are other forms of factory built housing.

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