21st Mortgage
Your Manufactured
Home Lending Source
Horizon Homes has developed strategic partnerships with premiere lenders specializing in manufactured home loans. We facilitate introductions to a variety of loans to borrowers from manufactured home retailers, mortgage brokers and directly to consumers all over the USA. Get in touch today to apply for a manufactured home loan.
How Can We Help You?
Apply for a Manufactured Home Loan
Looking to finance your manufactured home? Our streamlined loan application process makes it easy to secure the funding you need. Whether you’re a first-time buyer or upgrading your home, we connect you with trusted lenders who specialize in manufactured home financing. Get started today with competitive rates and flexible terms designed to fit your budget.
Manufactured Home Payment Estimator
Wondering what your monthly payments might look like? Use our Manufactured Home Payment Estimator to get an instant estimate based on your loan amount, interest rate, and term. This easy-to-use tool helps you plan your budget and explore different financing options before applying for a loan.
Manufactured Home Loan Programs
Explore loan programs designed for manufactured home buyers. From FHA and VA-backed loans to conventional and chattel financing, there are several options available based on your needs. Whether you’re placing your home on private land or in a community, our financing partners can help you find the right program to make homeownership possible.
Manufactured Home Credit Guidelines
What credit score do you need to finance a manufactured home? Lenders typically look for a credit score of 580 or higher, but options may be available for lower scores. Other factors, such as income, debt-to-income ratio, and employment history, also play a role in loan approval. If you’re unsure about your credit standing, we can connect you with specialists who can guide you through the process.
Manufactured Home Buyer Resources
Get the guidance you need for a smooth home-buying experience. From loan pre-approval to closing, our Manufactured Home Buyer Resources cover everything you need to know. Learn about financing, insurance, legal considerations, and home placement options so you can make confident decisions every step of the way.
Loan Programs
Horizon Homes simplifies the financing process by connecting you with the right lender for your manufactured home loan. We work with trusted lending partners to offer competitive rates and flexible terms, ensuring you get the best financing options available. Whether you’re purchasing your first home or looking to refinance, our team is here to guide you every step of the way—without the hassle or long wait times. Contact us today to explore your options!
Our manufactured and mobile home loan programs include:
- Fixed rates
- No pre-payment penalties
- No land required
- Financing for homes located within a Park or Community
- Financing for new and used manufactured homes
- Permanent or nonpermanent foundations
- Primary, Secondary, Investment, and “Buy-For” (purchase for someone else)
- Closing costs and most third party fees may be financed
- Used Manufactured Homes (person-to-person) type transactions must be ready for immediate occupancy. Move‐In Ready condition at permanent location required. No Rehab loans available or financing available for homes that have to be moved. View our move-in ready guidelines here.
Payment Estimator & Financial Calculators
Looking for a new home and want to make sure it fits into your budget?
Check out our Payment Estimator to see your potential monthly payment options. It’s as easy as 1, 2, 3! All we need is WHAT, WHERE, and YOU!
Manufactured Home Buyer Resources
Resources and videos available to help guide you through the manufactured home loan process!
Guide to Credit
Your credit score plays an important role in the buying process. This article will help guide you through the credit process and provide tips for maximizing your score.
Understanding Escrow
Until they buy a home, many Americans never encounter the term “escrow”. We break down what escrow is and how it can affect your mortgage here.
FAQ’s
1. What is a manufactured home?
A manufactured home is a factory-built home constructed according to HUD Code standards and transported to its final location.
2. How is a manufactured home different from a mobile home or modular home?
Mobile homes were built before 1976, while manufactured homes follow modern HUD codes. Modular homes, on the other hand, are built to local building codes and assembled on-site.
3. Are manufactured homes built to be energy-efficient?
Yes, manufactured homes include energy-efficient insulation, windows, and appliances, and many models meet Energy Star standards.
4. Can I customize my manufactured home?
Absolutely! Many floor plans allow customization of layouts, finishes, appliances, and exterior designs.
5. Do manufactured homes come with warranties?
Yes, most manufacturers offer warranties that cover structural components, electrical, plumbing, and appliances.
6. Can I add a garage, porch, or deck to my manufactured home?
Yes, garages, porches, and decks can be added, but local building codes and zoning regulations must be followed.
7. How much do manufactured homes cost?
Prices vary based on size, features, and location but are generally more affordable than traditional site-built homes.
8. Can I finance a manufactured home?
Yes, there are several financing options, including chattel loans, FHA, VA, and conventional mortgages.
9. Do I need a down payment for a manufactured home loan?
Yes, the down payment depends on the lender and loan type but typically ranges from 5% to 20%.
10. How long does it take to get my manufactured home delivered and set up?
Delivery and installation can take anywhere from a few weeks to several months, depending on permits, site preparation, and customization.
11. Can I place a manufactured home on any lot?
You must check local zoning laws and land restrictions to ensure the lot is suitable for a manufactured home.
12. What is included in the installation process?
Installation includes site preparation, foundation setup, utility connections, and final inspections.
13. Can I place a manufactured home park or on private land?
Yes, but manufactured home parks may have specific requirements, and private land must comply with local zoning laws.
14. Do manufactured homes appreciate in value?
Like all real estate, manufactured homes can appreciate if well-maintained and placed on owned land.
15. What are the ongoing costs of owning a manufactured home?
Costs include land rent (if applicable), utilities, insurance and maintenance