On-Land Manufactured Home Loans
If you own — or are purchasing — the land along with your manufactured home, our on-land program delivers the most competitive rates we offer. No PMI, flexible 10–30 year terms, and full in-house underwriting means a smooth, transparent process from start to finish.
At a Glance
- Loan Amount
- $50,000 – $600,000
- Down Payment
- 5% – 20%
- Loan Terms
- 10, 15, 20, 25, 30 years
- Best For
- Buyers who own or are purchasing land and want the best rates with longer terms.
Our most competitive rates — similar to traditional mortgage pricing. Get a quote for exact figures.
Min. Down Payment
5%
Loan Terms
10–30 yrs
Min. Credit Score
600+
Avg. Closing Time
~30 days
Program Features
- Purchase & refinance available
- No PMI required
- Flexible terms from 10 to 30 years
- In-house underwriting for fast decisions
- Our lowest rate program
- Titling assistance included
Eligibility Requirements
- Borrower owns or is simultaneously purchasing the underlying land
- Permanent foundation not required
- Pre-HUD homes (built before June 15, 1976) also allowed
- Title must comply with state and HUD standards
- Home must meet appraisal standards
- Minimum credit score of 600 recommended
Not sure if you qualify?
Submit a pre-qualification — no hard credit pull, and you'll hear back same day.
The Process
How It Works
From pre-qualification to closing, here's exactly what to expect.
- 1
Pre-Qualification
Tell us about your property and financial profile. We'll confirm land ownership requirements and give you a rate estimate the same day.
- 2
Land & Title Review
We verify the land deed, title status, and HUD certification. Our team guides you through any titling steps needed — no permanent foundation required.
- 3
Appraisal & Underwriting
A certified appraiser assesses the combined home + land value. Our in-house underwriters then issue a firm approval.
- 4
Close & Record
Sign at closing and we handle deed recording. Most on-land loans close in approximately 30 days.
FAQs
On-Land Manufactured Home — Common Questions
No — a permanent foundation is not required for our on-land loan program. This sets us apart from many conventional lenders and makes financing accessible for a wider range of properties.
Absolutely. We can structure a combined land + home purchase in a single loan, making the process seamless and avoiding the need for a separate land loan.
No PMI is required on our on-land program — even with less than 20% down. This is a significant advantage over many conventional loan programs.
HUD-certified manufactured homes are built to federal construction and safety standards (HUD Code). Most homes built after June 15, 1976 carry a HUD data plate — we can help you verify compliance.
Yes — rate/term refinances and cash-out refinances are both available for qualified on-land borrowers. Use our calculator to see potential savings.
More questions? Call (949) 351-4802 or send us a message.
Next Step
Ready to Apply for the On-Land Manufactured Home?
Complete our 5-minute pre-qualification form. No hard credit pull, no obligation — just a same-day answer on whether you qualify.