Modular Home Financing

Luxury Mortgage offers financing for modular homes throughout much of the United States. From conventional fixed rate loans and adjustable rate products to government backed FHA and VA loans, we likely have the program for your home purchase or mortgage refinancing needs.

Our mortgage products can be used to finance most types of modular homes and interest rates and underwriting guidelines are the same as on-site stick built construction. If you are in the market to buy or refinance a modular property, give us a call at (888) 379-0303.

Contact Us Today (3 Options)
  • Call us toll-free at (888) 379-0303
  • Complete the Quick Start Form Below
  • Ask Us a Question

Modular Home Overview


Program Options
Modular homes are prefabricated in a climate controlled, indoor environment. They are built in sections and then moved to lots where they are assembled into completed homes. Modular homes must adhere to the same high standards as on-site stick built homes as they are subject to the same local, state, and federal building codes. It's important to note that modular homes are not the same as manufactured homes (aka mobile homes). Not all lenders that finance modular homes will also finance mobile homes.
Luxury Mortgage's Modular Home Loan Solutions

At Luxury Mortgage, we understand that borrowers have varying needs. That's why we offer a wide range of home loan products to meet the demands of our clientele. Below are some of our most popular financing options for modular homes:

  • Conventional Loans: Traditional fixed rate financing in 30, 20, 15 and 10 year terms. Available for primary residences, second homes, and investment properties. 5-20% down payments are typically required. Purchase and refinance options are available.
  • FHA Loans: Low money down modular home financing solutions. Minimum of 3.5% down required. Offers higher cash-out refinancing limits than most conventional loans. Available for primary residences only.
  • VA Loans: Zero down financing solution for eligible members of the U.S. Military and surviving spouses. Available for primary residences only.
  • Jumbo Loans: Designed for borrowers seeking financing which exceeds conforming loan limits. Our jumbo mortgages are aggressively priced and available with both fixed rates and adjustable rates. May be used to finance modular homes used as primary residences, second homes, and rental properties.
Working with Luxury Mortgage
If you are considering buying a modular home, we recommend that you get pre-approved prior to starting your home search. With a pre-approval, you'll know what you are qualified to borrow and sellers may have greater confidence in accepting your offer. Give us a call today at (888) 379-0303 for a no obligation consultation. You may also complete the Quick Start form on this page or reach out to us through our Contact Us page. We appreciate your interest in Luxury Mortgage and we look forward to assisting you with your next modular home purchase or refinance.>