Mortgage Loan Financing Options for Factory-Built Homes

A comprehensive guide to mortgage and government-backed loan programs that can help potential buyers finance a factory-built home. Learn about FHA Title II loans, VA loans, USDA loans, Freddie Mac CHOICEHome®, and Fannie Mae MH Advantage® — plus tips on eligibility, down payments, and working with experienced lenders. 

  • FHA Title II Loans for lower down payments and flexible credit criteria 
  • VA Loans for eligible veterans and active military families 
  • USDA Loans for rural area homebuyers 
  • Freddie Mac CHOICEHome® conventional financing option 
  • Fannie Mae MH Advantage® mortgages with competitive down payment options 
  • First-time homebuyer
  • Housing counselor
  • Affordable housing professionals