Manufactured Homes

Manufactured Home Loans

Why do homebuyers choose manufactured homes?

  • Less expensive than most site-built homes
  • HUD quality control requirements apply during the entire building process
  • Upgrades are often available at a fraction of retail costs

 

First Federal offers both conforming manufactured home loans as well as non-conforming manufactured home loans.

Conforming manufactured home loans include homes that are:

  • Two or more sections
  • Title(s) eliminated or cancelled, treating home as real property
  • On a permanent foundation 
  • Built after June 1976
  • Applicant owns home and land

Apply Online

 

For other properties and manufactured home types, First Federal also offers non-conforming manufactured home loans through with our partner Triad Financial Services.

 

Non-conforming manufactured home loans include homes that are:

  • One or more sections
  • Title(s) not eliminated or cancelled, treating home as personal property
  • May be on a non-permanent foundation system
  • May be built before June 1976
  • Applicant may rent or lease land/space home is located on


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Apply Online

 

 

APPLYING FOR A CONFORMING LOAN VS A NON-CONFORMING LOAN

Ask yourself the following questions to see which loan type will best suit you.

 

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Need more information? Contact our Mortgage Loan Officers to discuss your options and let us help guide you through this process.

     

 

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