Home-Only (Chattel) Loans
Perfect for buyers who are placing their home in a manufactured home community or on land they already own or lease. These loans finance only the physical home itself, often resulting in a faster, more streamlined closing process than traditional real estate mortgages.
Land-and-Home Packages
If you are purchasing land and a home at the same time, this option bundles both into a single, convenient mortgage with one monthly payment. This often opens the door to lower interest rates and longer repayment terms.
FHA & Government-Backed Loans
We work with lenders who offer Federal Housing Administration (FHA), Veteran Affairs (VA), and USDA loans. These programs are fantastic for first-time buyers or veterans, often requiring lower down payments and offering highly competitive interest rates.
Buy-For Loans
Are you purchasing a home for an aging parent, a child going to college, or a family member? "Buy-For" programs allow a primary applicant to finance the home on behalf of a relative who will be the primary resident.
Estimated Payment
Estimated Monthly Payment
$928
The Comfort Mobile Homes Process
Securing funding like FHA an others doesn’t have to be complicated. Our team is here to guide you through every step:
Step 1: Find Your Home. Browse our digital catalog and click “Inquire About This Home” to request an official quote on your favorite floor plan.
Step 2: Free Consultation. Our housing experts will contact you to discuss your intended delivery location, site preparation costs, and exact pricing.
Step 3: Lender Matching. Based on your credit profile and land situation, we will connect you directly with the lending partner best suited to secure your approval.
Step 4: Closing & Delivery. Once the bank clears your paperwork, we schedule your delivery and installation!
What credit score do I need to buy a mobile home?
While traditional mortgages often require higher scores, many of our specialized manufactured home lenders work with credit scores starting around 580 to 620. Buyers with lower scores may still qualify by providing a larger down payment or applying with a co-signer.
What is the difference between a Chattel Loan and a Mortgage?
A traditional mortgage is used when you are buying both the home and the land it sits on together (real property). A Chattel Loan is a “home-only” loan. It finances the structure itself as personal property, which is perfect if you are placing the home in a leased community or on family land.
Are delivery, installation, and setup costs included in my loan?
Yes! In most cases, the costs for freight delivery, site preparation, concrete footers, and utility hookups can be rolled directly into your total financed amount so you don’t have to pay for them out of pocket.
How much of a down payment is typically required?
Down payments generally range from 5% to 20% of the home’s purchase price. The exact amount depends on your credit profile, the type of loan you choose (FHA loans often require less), and whether you are using your own land as collateral (land-in-lieu).
Ready to Step Into Your New Home?
Browse our digital catalog of high-quality floor plans, or reach out to our team to discuss your specific needs.