USDA Manufactured & Modular Home Loans: 100% Financing for Homes on Owned Land
BREAKING NEWS: Major USDA Program Expansion - March 4, 2025
The USDA Rural Development Loan Program announces a game-changing update for manufactured home buyers! Starting March 4, 2025, more existing manufactured homes will qualify for 100% financing, creating unprecedented opportunities for affordable homeownership.
Revolutionary Program Changes:
Expanded eligibility for existing manufactured homes
Previous date restrictions removed
Available through Direct and Guaranteed programs
Nationwide availability in all 50 states
Zero down payment requirements maintained
Important Property Requirements
✓ Home must be permanently installed on owned land
✓ No mobile home parks or leased land eligible, meaning no chattel loans
✓ Land ownership required at closing
✓ Double-wide or larger homes only
✓ Must meet Federal Manufacturing Standards
✓ Manufactured is not yet available in New York due to the state’s own regulations, all options for modular are available
Instant Pre-Qualification Available
Check your eligibility in minutes
Competitive rates updated daily
Flexible credit requirements (640+ score)
Expert guidance from USDA specialists
Fast track to homeownership
Exclusive USDA Nationwide Benefits
As one of America's leading USDA manufactured home lender since 1996, we deliver:
Unmatched Financial Advantages
Zero down payment required
Lower interest rates than FHA/conventional loans
Up to *$50,000 additional financing available
Up to *30% closing cost credits in 42 states
Mobile closing service nationwide
Superior Mortgage Insurance Savings
Current USDA vs FHA Comparison:
USDA Upfront Fee: 1.00% (can be financed)
USDA Annual Fee: 0.35% monthly
Significant savings vs FHA's higher premiums
Lower monthly payments
Reduced lifetime costs
Simplified Monthly Payments
One convenient payment includes:
Principal and interest
Property taxes
Home insurance
USDA mortgage insurance
No surprise bills
Easy budget management
Automated payment options
USDA Streamline Assist Refinance Program
Save Money with Our Refinance Options:
No appraisal required in most cases
Lower your current interest rate
Reduce monthly payments
Simplified qualification process
Available for existing USDA loans
Modern Manufactured Homes: The Smart Choice for 2025
Superior Construction
Climate-controlled facility construction
Exceeds state building standards
Energy-efficient designs
Appreciating value potential
Built for generations
Contemporary Design Features
Luxurious modern finishes
Customizable floor plans
Premium appliance options
Smart home technology ready
Quick completion timeframes
USDA Property Eligibility Quick Guide
Location Requirements
USDA-eligible rural areas
Under 20,000 population zones
Outside major metropolitan areas
Check the USDA Eligibility Map
Home and Land Requirements
Must own land or purchase with home
Permanent foundation on owned property
Double-wide or larger homes only
Federal Manufacturing Standards compliant
No mobile home parks or leased land
New construction or existing homes eligible
Permanent installation required
Why Choose USDA Nationwide?
Industry Leadership
28+ years USDA expertise
30+ years Manufactured & Modular expertise
In-house processing, underwriting, construction, closers, draw, & funding teams
Licensed in all 50 states
Direct lender advantages
Dedicated USDA specialists
Proven closing success
Qualification Made Simple
Fast Three-Step Process:
Quick eligibility check
Instant pre-qualification
Personalized rate quote
Compare Loan Options
| Feature | USDA Loan | FHA Loan | Conventional |
|---|---|---|---|
| Down Payment | 0% | 3.5% | 5-20% |
| Insurance | Lower | Higher | Varies |
| Interest Rates | Lower | Higher | Higher |
Get Started Today
View current rates
Get pre-qualified
Speak with direct banker specialists, not brokers who send your data to 3rd parties
Frequently Asked Questions About USDA Manufactured Home Loans
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Yes, the manufactured home MUST be permanently installed on land that you own or will own at closing. USDA loans cannot be used for homes in mobile home parks or on leased land. The property (both home and land) will serve as collateral for your loan, ensuring a stable, permanent housing solution.
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Yes! USDA loans offer 100% financing for eligible manufactured homes, meaning you can purchase with no down payment. The home must be permanently installed on a foundation, be double-wide or larger, and meet Federal Manufacturing Standards. This makes homeownership significantly more accessible compared to FHA or conventional loans that require down payments.
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USDA Nationwide accepts credit scores as low as 640 for manufactured home loans. While this is the minimum requirement, higher credit scores may qualify you for better interest rates. We also look at your complete financial picture, including income stability and debt-to-income ratio, not just your credit score.
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USDA loans are available in designated rural areas, typically with populations under 20,000. Most suburban and rural locations outside major metropolitan areas qualify. You can instantly check your property's eligibility using our address lookup tool, or contact our USDA specialists for a free consultation.
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USDA loans offer several advantages over FHA loans: no down payment required (vs. 3.5% for FHA), lower mortgage insurance premiums, and typically lower interest rates. While both are government-backed programs, USDA loans are specifically designed for rural properties and often provide more affordable monthly payments.
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Yes! Starting March 4, 2025, the USDA program is expanding to include more existing manufactured homes. The home must meet Federal Manufactured Home Construction and Safety Standards (FMHCSS) and be permanently installed on a foundation. Contact us for the most current eligibility requirements for your specific situation.
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USDA income limits vary by location and household size. Generally, your household income must not exceed 115% of the median income for your area. Our USDA specialists can quickly determine your income eligibility and help you understand how different income sources are calculated for qualification.
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Yes, through our USDA Streamline Assist Refinance program. This option allows you to refinance your current USDA loan to a lower rate with minimal documentation and often no appraisal requirement. While cash-out refinancing isn't available, we offer additional financing options to help meet your needs.
As Seen In
5 Star USDA Lender Reviews That WOW!
"Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this Loan completed. And I had many doubts along the way, because I'd seen so many Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction." ~ Tom K. Licensed Realtor
Discover Your Maximum USDA Loan Potential
Get pre-qualified for your maximum USDA loan amount today! As an A+ rated FDIC bank with over 25 years of teamwork and 100+ years of combined experience, we deliver competitive, low fixed-rate mortgages. We'll work hard to secure your pre-underwritten approval before you even find your dream home. Our commitment: no spam, no data selling, no robocalls—just transparent communication and dedicated service from start to close.
Tough Loans Are Our Specialty
Beyond USDA Home Loans, we offer financing that other lenders avoid. Whether you need a Construction Loan, Bridge Loan, Down Payment Assistance, or specialized programs for Healthcare Professionals like Doctors, Veterinarians, and Nurse Practitioners, we bring the solutions.
We proudly serve First Responders, Foreign Nationals, ITIN borrowers, and those seeking Manufactured Home or Renovation financing. Each loan is unique, and our experienced bankers deliver personalized service with meticulous attention to detail. Let our team find the perfect financing solution for your needs.