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 for existing homeowners who have had some credit challenges in the past.
Our team will review your credit and income to determine eligibility. Here are some key items you must meet for your home to qualify:
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.
Even if you have other high-interest debts, your current loan rate becomes less significant when combined with our assistance.
To be eligible for this loan, the home must be built after June 15, 1976, and permanently fixed to a foundation. This type of loan features a 3.5% down payment, 30-year loan terms, and and the ability to approve credit scores down to 500!
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 get 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.
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.
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.
We understand that every situation is different, so we take the time to understand your circumstances and craft the right loan for your situation. No questions will go unanswered, with a prompt response to your emails and calls to help put your mind at ease.
We are confident we have the right manufactured home financing option for you.