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Table of Content Does it matter which lender I choose? Important information on terms, conditions and sub-limits Considerations For Financing A Manufactured Home VA Mobile Home Loans Mobile homes are far cheaper than traditional homes, so you may be able to finance your purchase through a personal loan. If you belong to the military community, you may qualify for a loan insured by the Department of Veterans Affairs. Qualified borrowers may choose between fixed-rate mortgages and 7/6 or 10/6 adjustable-rate mortgages. You may be able to secure a loan with as little as 3 percent down and, in some cases, use gifted or grant money to help cover your down payment. To qualify for this program, the home must also meet certain construction, architectural design and energy efficiency standards similar to site-built homes. Homeowners may not always care whether their manufactured home qualifies as real estate or falls into the category of a vehicle. Brian Carmody is a writer and presiden
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