Mobile Home & Land Loans —
Finance the Home and Land Together.
Manufactured home and land in one loan. FHA and conventional options available. Louisiana, Mississippi, and Texas. No need for two separate transactions.
Most Lenders Won't Touch Manufactured Homes. I Will.
Manufactured homes are one of the most underserved segments in residential mortgage lending. Most big banks and retail lenders either won't do them at all or only finance the home as personal property — which means higher rates, shorter terms, and no land included.
The right program finances the manufactured home and land together as real property — with a real mortgage, real rates, and a real closing. FHA Title II and conventional manufactured home products exist specifically for this. The challenge is finding a lender who actually works these files.
I do. Louisiana, Mississippi, and Texas are exactly the markets where manufactured home and land combinations are most common — and where buyers most often get turned away by lenders who don't know the product.
"The home and land together. One loan. Real mortgage rates. That's the goal — and it's achievable."
When the home is titled as real property and affixed to land you own — it qualifies for a real mortgage with real rates. That's the target.
No separate land note. No chattel loan on the home. One mortgage, one payment, one closing.
FHA Title II allows 3.5% down for eligible manufactured homes on owned land. Conventional options also available for qualifying homes.
Key Requirements for Manufactured Home Financing
The home must have been built after June 15, 1976 and display a HUD certification label. Homes built before this date do not qualify for FHA or conventional financing.
The home must be on a permanent foundation and titled as real property — not personal property. If it's still on wheels or titled as a vehicle it needs to be converted first.
The manufactured home and land must be titled together as real property in the state where the property is located. In some cases this conversion can happen as part of the transaction.
FHA requires a minimum of 400 square feet of living space for a single-wide manufactured home. Double-wides must meet standard FHA property condition requirements.
FHA Title II financing for manufactured homes requires the property to be your primary residence — not a vacation home or investment property.
580 or higher with 3.5% down for FHA Title II. Conventional manufactured home products have their own credit score requirements — ask me about your specific situation.
Louisiana, Mississippi & Texas — Where This Program Matters Most
These three states have some of the highest concentrations of manufactured housing in the country — and some of the highest rates of buyers who get turned away by lenders who don't know the product. I know it. I work these files across all three states.
Frequently Asked Questions
What's the difference between a mobile home loan and a manufactured home mortgage?
My manufactured home is still titled as personal property. Can I still get a mortgage?
Does it matter if the home is a single-wide or double-wide?
Can I use USDA for a manufactured home?
Should I call a lender or dealer first?
Serving Louisiana, Mississippi, Florida, Texas & 5 More States
Based in Baton Rouge, Louisiana — serving Denham Springs, Livingston, Gonzales, Walker, Zachary, New Orleans, Shreveport, Lafayette, and Lake Charles. Mississippi: Jackson, Gulfport, Biloxi, Hattiesburg, Mendenhall, Vicksburg. Florida: Tampa, Orlando, Jacksonville, Naples, Boynton Beach, and statewide. Texas: Houston, Dallas, San Antonio, Austin, and statewide.
