Manufactured Home Loans

Top Flite Financial, Inc. offers a range of manufactured and modular home financing options to meet the needs of all types of home buyers.

This includes conventional loans for top qualifying applicants as well as a wide range of other loan programs which include opportunities for prospective buyers who can afford a home today but have had some credit challenges in the past.

The following information will provide details about our modular and manufactured home financing options so you can find the best financing for you.

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Loan Qualifications

Do I Qualify?

Our team will review your credit and income on Day 1 to determine eligibility. In addition to your credit and income, here are some key items you must meet for your home to qualify:

Built After June 15 ,1976
Home is on a permanent foundation
You must own the land

Get Qualified

Loan officer talking to client about eligibility

FHA Loans

FHA loans are insured by the Federal Housing Administration and best suited for borrowers without a large down payment or who have less than perfect credit. Through our FHA loan programs, we can often qualify individuals who have had past credit challenges.

We can also assist buyers with higher debt-to-income ratios who have other strong compensating factors to help justify their ability to apply a higher percentage of their monthly income toward their housing payments.

To be eligible for this loan, the home must be built after June 15, 1976, and permanently fixed to a foundation. A few perks of this loan include a 3.5% down payment, 30-year loan terms, and credit scores down to 500!

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VA Loans

We have special VA loans for veterans in need of financing for manufactured and modular homes. While many manufactured home financing companies do not offer VA loans, Top Flite Financial offers these loans to qualifying veterans with a credit score of 500 or higher.

Our VA loans allow borrowers to go up to 100% financing. Most VA manufactured, and modular home loans require a VA funding fee that can be financed; however, all VA loans we offer are exempt from monthly mortgage insurance fees.

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Conventional Loans

We are one of only a few home financing companies that offer conventional loans for manufactured and modular homes with terms that are similar to site-built home mortgages. These loans require a debt to income ratio below 45% and a credit score of 620 or higher.

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Why Choose Us?

The Top Flite Difference

When it comes to financing manufactured homes, Top Flite Financial is one of the top rated manufactured home financing companies in the country. We have a long history of customer satisfaction and offer financing for manufactured and modular homes nationwide.

Although Top Flite Financial is an industry leader in financing manufactured homes, it is not just our knowledge and great loan programs that make us the top choice for manufactured home financing. We deliver personalized service to each and every one of our loan applicants that far exceeds other manufactured home financing companies.

We understand that every situation is different, so we take the time to understand your circumstances and craft the right loan for your situation. We are also friendly, understanding, and eager to help. We will go out of our way to answer your questions about manufactured home financing while promptly answering your emails and calls to explain the loan process and put your mind at ease.

We are confident we have the right manufactured home financing option for you.

Top Flite Financial / Loan Types Overview / Manufactured Home Loans