Manufactured Home Financing
Turn your dream home into reality with tailored loan options, competitive rates, and dedicated guidance through every step of the approval process.
Chattel (Home-Only)
Ideal for homes placed in communities, parks, or on leased family land. Faster closings with flexible credit requirements.
Land & Home Bundles
Bundle your manufactured home purchase, land acquisition, foundation, and site prep costs into a single monthly mortgage payment.
FHA, VA & USDA
Government-insured loans featuring down payments as low as 3.5%, 0% down for qualifying veterans, and rural housing programs.
Conventional Mortgages
Fannie Mae MH Advantage® and Freddie Mac CHOICEHome® programs offering competitive long-term fixed rates.
Your Path to Homeownership
We work alongside the nation’s top manufactured home lending institutions to ensure your financing path is clear and stress-free.
Pre-Qualify
Submit basic income and budget details to discover your buying power without impacting your credit score.
Select Floor Plan
Tour our model homes and choose the floor plan, upgrades, and features that fit your lifestyle and budget.
Loan Underwriting
Our lending partners finalize your loan documentation and coordinate appraisals and site inspections.
Closing & Move In
Sign final closing documents, schedule factory delivery, foundation set-up, and receive the keys to your new home.
Request Pre-Qualification
Fill out the pre-qualification form below and an Oakwood financing specialist will contact you to review your loan options.
Frequently Asked Questions
Can I get financing if I don't own land?
Yes. Chattel (home-only) loans allow you to finance the home independently and place it in an approved manufactured home community, leased park lot, or on family land.
What credit score is needed to qualify for a mobile home?
Many specialized lenders offer financing programs for credit scores starting in the 580–620 range, with lower rates and higher loan-to-value ratios available for higher credit scores.
Can site preparation and utilities be included in the loan?
Yes. With Land-Home and FHA packages, site improvements—including well, septic, electric hookups, driveways, foundations, and decks—can often be rolled directly into the total mortgage.
Equal Housing Opportunity & Lending Disclosure: Oakwood Mobile Homes (oakwooddmobilehomes.com) operates in compliance with the Fair Housing Act and Equal Credit Opportunity Act. Oakwood Mobile Homes is a manufactured home retailer and connects buyers with third-party licensed mortgage lenders and financial institutions throughout the United States. Terms, interest rates, and loan approvals are subject to individual creditworthiness, underwriting criteria, and property appraisal.