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Manufactured Home Loans for Veterans

Looking into buying a manufactured (mobile) home? Here are some answers to some of the questions you may have.

1. What is a VA-Guaranteed Manufactured Home Loan?

Because manufactured home loans are made by private lenders, the guarantee means that the VA will protect the lender against any loss, whether it be a late payment or failure to repay the loan.

2. What amount will I be guaranteed for?

The amount the VA will guarantee is 40% of the loan amount or the veteran's available entitlement. A maximum of $20,000 can be guaranteed. The amount is not the same as the amount a veteran can borrow.

3. What is the Maximum Amount a Veteran can Borrow?

The maximum loan amount for a new manufactured is the lesser of the following:

  • 95% of the purchase price of the property securing the loan, plus the VA funding fee
  • Determination of the manufacturer's invoice cost, plus/minus the cost of any items added/removed by the dealer, plus certain other costs (up to a specific max), plus the VA funding fee
  • The max loan amount for a used manufactured home or a lot and/or necessary site perpetration is determined by appraisal.
  • Additional information on max loan amounts may be obtained from the nearest VA regional office or center.

4. Who is eligible for a Manufactured Home Loan?

All veterans with sufficient qualifying service subsequent to September 15, 1940 including:

  • Service in the Selective Reserve
  • Active duty personnel who have served continuously for at least 90 days

5. How is my eligibility determined?

Veterans can request a Certificate of Eligibility from the nearest VA regional office or get one online. This request needs to accompany:

  • Discharge Papers
  • Separation Papers OR
  • Evidence of current active duty status

6. What are the Requirements for Loan Approval?

  1. You must be eligible and have a home loan entitlement.
  2. The loan must be for an eligible purpose.
  3. You must live in or plan to live in the property for a reasonable period of time after the loan is paid off.
  4. Have a good credit record.
  5. You must have adequate income to:
    • Meet the payments of the loan
    • Cover the coasts of owning a home
    • Take care of other obligations and expenses
    • Support your family with left over income

Get one online

Back to the Veterans' Loan Handbook Table of Contents.

VA Loans - Home Loans - VA Refinance - Home Refinance - Loan FAQs
Veteran Loan Center does not maintain relationships with any government agencies. This includes, but is not limited to, the Department of Veteran Affairs. Veteran Loan Center maintains relationships with Veterans Affairs (VA) mortgage specialists, as well as non-VA mortgage specialists. If you inquire about a VA loan, your information may be shared with a VA-approved lender; however, they are not affiliated with any government agencies, either. We reserve the right to share customer information with trusted affiliates to assist you with your loan. For more information, please read our Privacy Policy.

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