Manufactured Home Loans

Yes, We Finance Manufactured Homes

1976 or newer. Single-wide and double-wide. Rural too. Most lenders won’t touch them — this is one of our lanes.

Up to 85% LTV on homes built in 1976 or newer, rural included. Scores down to the mid 500s with good equity.

The short answer

Plenty of lenders say no to manufactured housing before they’ve heard a single detail. We say let’s look at it. Lawton Building and Loan finances manufactured homes built in 1976 or later (that’s the HUD code line) — for investors buying rentals, and for buyers purchasing one to live in. Rural properties are fine. If the home is on a permanent foundation and the numbers work, there’s very likely a program for it.

What we fund

• DSCR rental loans on manufactured homes — qualify on the rent the property brings in, not your personal income.
• Purchases — investor purchases and owner-occupied purchases, single-wide and double-wide.
• Refinances — including cash-out where the program allows.
• Land + home packages — buying the land and the home together? That can work; also see our land loans and ground-up construction pages.
• Rural properties — outside the city limits is not a problem here. Manufactured housing on acreage is a regular file for us.

Who this fits

• Investors building affordable-rental portfolios — manufactured homes cash-flow where site-built houses don’t pencil.
• Buyers who found land and a manufactured home they can actually afford, and got laughed out of a bank.
• Owners of paid-for or high-equity manufactured homes who want to pull cash out for the next deal or the next project.

The honest part

Two things decide most manufactured files: the year built (1976 or newer — before that, options nearly disappear) and the foundation (most programs want the home on a permanent foundation, titled as real estate rather than personal property). If yours is older or on blocks, call anyway — we’ll tell you straight whether there’s a lane, and if there isn’t, what would have to change.

How it works

1. Call or text (817) 862-6922. Year built, foundation, land situation, and what you’re trying to do — that’s the whole first conversation.
2. We match the program — DSCR for rentals, purchase programs for owner-occupied — and give you real numbers.
3. Close and move on to living in it, renting it, or finding the next one.

FAQ

What years qualify? 1976 or newer. That’s when federal HUD construction standards took effect, and it’s the line nearly every program draws.

Does it have to be on a permanent foundation? For most programs, yes — and the home should be titled as real property with the land. If it isn’t yet, ask us; sometimes that can be fixed as part of the process.

Can I get a rental loan on a manufactured home? Yes — DSCR loans on manufactured rentals are a regular part of our business, including rural properties and homes in parks where the program allows.

Single-wide or double-wide only? Both can work. The year, foundation, and overall condition matter more than the width.

Do you finance the land too? Buying land and home together is doable in the right structure. See our land loans page, or just call and describe the deal.

Start here

Call or text (817) 862-6922, or visit lawtonbuildingandloan.com.

Educational information only — not a commitment to lend. All loans are subject to credit approval, and programs change.

— Joel Lawton, Lawton Building and Loan, NMLS #380245