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Today's Lowest Manufactured & Mobile Home Loan Rates!

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New & Used Mobile Home Mortgage Rates - Updated 07/10/2014
Lender Direct Mobile Home Rates

Rate & Term Refinancing
80% Loan to Value
15 Year Term Programs
740 Mortgage Score
 
Purchase Financing
20% Down Payment
15 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.250% >>> First 3 Years
Last 12 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.663%**
 
4.250% >>> First 3 Years
Last 12 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.663%**

Rate & Term Refinancing
85% Loan to Value
15 Year Term Programs
740 Mortgage Score
 
Purchase Financing
15% Down Payment
15 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 12 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.619%**
 
4.500% >>> First 3 Years
Last 12 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.619%**

Rate & Term Refinancing
90% Loan to Value
15 Year Term Programs
740 Mortgage Score
 
Purchase Financing
10% Down Payment
15 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 12 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.870%**
 
4.750% >>> First 3 Years
Last 12 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.870%**

Rate & Term Refinancing
80% Loan to Value
20 Year Term Programs
740 Mortgage Score
 
Purchase Financing
20% Down Payment
20 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.250% >>> First 3 Years
Last 17 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.343%**
 
4.250% >>> First 3 Years
Last 17 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.343%**

Rate & Term Refinancing
85% Loan to Value
20 Year Term Programs
740 Mortgage Score
 
Purchase Financing
15% Down Payment
20 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 17 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.594%**
 
4.500% >>> First 3 Years
Last 17 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.594%**
Rate & Term Refinancing
90% Loan to Value
20 Year Term Programs
740 Mortgage Score
 
Purchase Financing
10% Down Payment
20 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 17 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.468%**
 
4.750% >>> First 3 Years
Last 17 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.719%**

Rate & Term Refinancing
80% Loan to Value
25 Year Term Programs
740 Mortgage Score
 
Purchase Financing
20% Down Payment
25 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.250% >>> First 3 Years
Last 22 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.327%**
 
4.250% >>> First 3 Years
Last 22 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.327%**

Rate & Term Refinancing
85% Loan to Value
25 Year Term Programs
740 Mortgage Score
 
Purchase Financing
15% Down Payment
25 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 22 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.578%**
 
4.500% >>> First 3 Years
Last 22 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.578%**

Rate & Term Refinancing
90% Loan to Value
25 Year Term Programs
740 Mortgage Score
 
Purchase Financing
10% Down Payment
25 Year Term Programs
740 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 22 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.829%**
 
4.750% >>> First 3 Years
Last 22 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.829%**

Offering The Lowest Mobile Home Interest Rates

Rate & Term Refinancing
80% Loan to Value
15 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
20% Down Payment
15 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.250% >>> First 3 Years
Last 12 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.369%**
 
4.500% >>> First 3 Years
Last 12 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.619%**

Rate & Term Refinancing
85% Loan to Value
15 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
15% Down Payment
15 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 12 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.619%**
 
4.750% >>> First 3 Years
Last 12 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.870%**

Rate & Term Refinancing
90% Loan to Value
15 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
10% Down Payment
15 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 12 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.870%**
 
4.990% >>> First 3 Years
Last 12 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.111%**

Rate & Term Refinancing
80% Loan to Value
20 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
20% Down Payment
20 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.250% >>> First 3 Years
Last 17 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.343%**
 
4.500% >>> First 3 Years
Last 17 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.594%**

Rate & Term Refinancing
85% Loan to Value
20 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
15% Down Payment
20 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 17 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.594%**
 
4.750% >>> First 3 Years
Last 17 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.844%**

Rate & Term Refinancing
90% Loan to Value
20 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
10% Down Payment
20 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 17 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.844%**
 
4.990% >>> First 3 Years
Last 17 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.085%**

Rate & Term Refinancing
80% Loan to Value
25 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
20% Down Payment
25 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.250% >>> First 3 Years
Last 22 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.327%**
 
4.250% >>> First 3 Years
Last 22 Years @ 3.375% + 1 Year Libor Rate
Reflective APR 4.327%**

Rate & Term Refinancing
85% Loan to Value
25 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
15% Down Payment
25 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 22 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.578%**
 
4.750% >>> First 3 Years
Last 22 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.829%**

Rate & Term Refinancing
90% Loan to Value
25 Year Term Programs
720 - 739 Mortgage Score
 
Purchase Financing
10% Down Payment
25 Year Term Programs
720 - 739 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 22 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.829%**
 
4.990% >>> First 3 Years
Last 22 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.070%**

Current Rates for Mobile Homes

Rate & Term Refinancing
80% Loan to Value
15 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
20% Down Payment
15 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 12 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.619%**
 
4.750% >>> First 3 Years
Last 12 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.870%**

Rate & Term Refinancing
85% Loan to Value
15 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
15% Down Payment
15 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 12 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.870%**
 
4.990% >>> First 3 Years
Last 12 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.111%**

Rate & Term Refinancing
90% Loan to Value
15 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
10% Down Payment
15 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.990% >>> First 3 Years
Last 12 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.111%**
 
5.250% >>> First 3 Years
Last 12 Years @ 4.375% + 1 Year Libor Rate
Reflective APR 5.372%**

Rate & Term Refinancing
80% Loan to Value
20 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
20% Down Payment
20 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 17 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.594%**
 
4.750% >>> First 3 Years
Last 17 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.844%**

Rate & Term Refinancing
85% Loan to Value
20 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
15% Down Payment
20 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 17 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.844%**
 
4.990% >>> First 3 Years
Last 17 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.085%**

Rate & Term Refinancing
90% Loan to Value
20 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
10% Down Payment
20 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.990% >>> First 3 Years
Last 17 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.085%**
 
5.250% >>> First 3 Years
Last 17 Years @ 4.375% + 1 Year Libor Rate
Reflective APR 4.970%**

Rate & Term Refinancing
80% Loan to Value
25 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
20% Down Payment
25 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.500% >>> First 3 Years
Last 22 Years @ 3.625% + 1 Year Libor Rate
Reflective APR 4.578%**
 
4.750% >>> First 3 Years
Last 22 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.829%**

Rate & Term Refinancing
85% Loan to Value
25 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
15% Down Payment
25 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.750% >>> First 3 Years
Last 22 Years @ 3.875% + 1 Year Libor Rate
Reflective APR 4.829%**
 
4.990% >>> First 3 Years
Last 22 Years @ 4.125% + 1 Year Libor Rate
Reflective APR 5.070%**

Rate & Term Refinancing
90% Loan to Value
25 Year Term Programs
680 - 719 Mortgage Score
 
Purchase Financing
10% Down Payment
25 Year Term Programs
680 - 719 Mortgage Score
     
Fixed Rate Flex Program
 
Fixed Rate Flex Program
4.990% >>> First 3 Years
Last 22 Years @ 3.75% + 1 Year Libor Rate
Reflective APR 5.070%**
 
5.250% >>> First 3 Years
Last 22 Years @ 4.25% + 1 Year Libor Rate
Reflective APR 5.331%**

The Lowest Mobile Home Interest Rates Available

Rate & Term Refinancing
80% Loan to Value
15 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
20% Down Payment
15 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

7.250 >> 15 Year Term
Reflective APR 7.379%*

 

7.850% >>> 15 Year Term
Reflective APR 7.982%*


Rate & Term Refinancing
85% Loan to Value
15 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
15% Down Payment
15 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

7.650% >>> 15 Year Term
Reflective APR 7.781%*

 

8.100% >>> 15 Year Term
Reflective APR 8.233%*


Rate & Term Refinancing
90% Loan to Value
15 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
10% Down Payment
15 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.150% >>> 15 Year Term
Reflective APR 8.283%*

 

8.350% >>> 15 Year Term
Reflective APR 8.484%*


Rate & Term Refinancing
80% Loan to Value
20 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
20% Down Payment
20 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

7.250% >>> 20 Year Term
Reflective APR 7.354%*

 

7.850% >>> 20 Year Term
Reflective APR 7.957%*


Rate & Term Refinancing
85% Loan to Value
20 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
15% Down Payment
20 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

7.650% >>> 20 Year Term
Reflective APR 7.756%*

 

8.100% >>> 20 Year Term
Reflective APR 8.208%*


Rate & Term Refinancing
90% Loan to Value
20 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
10% Down Payment
20 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.150% >>> 20 Year Term
Reflective APR 8.258%*

 

8.350% >>> 20 Year Term
Reflective APR 8.459%*


Rate & Term Refinancing
80% Loan to Value
25 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
20% Down Payment
25 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

7.250% >>> 25 Year Term
Reflective APR 7.340%*

 

7.850% >>> 25 Year Term
Reflective APR 7.942%*


Rate & Term Refinancing
85% Loan to Value
25 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
15% Down Payment
25 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

7.650% >>> 25 Year Term
Reflective APR 7.741%*

 

8.100% >>> 25 Year Term
Reflective APR 8.194%*


Rate & Term Refinancing
90% Loan to Value
25 Year Term Programs
650 - 679 Mortgage Score
 
Purchase Financing
10% Down Payment
25 Year Term Programs
650 - 679 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.150% >>> 25 Year Term
Reflective APR 8.244%*

 

8.350% >>> 25 Year Term
Reflective APR 8.445%*


Current Rates for Mobile Homes

Rate & Term Refinancing
80% Loan to Value
15 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
20% Down Payment
15 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.250% >>> 15 Year Term
Reflective APR 8.383%*

 

8.850% >>> 15 Year Term
Reflective APR 8.986%*


Rate & Term Refinancing
85% Loan to Value
15 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
15% Down Payment
15 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.650% >>> 15 Year Term
Reflective APR 8.785%*

 

9.100% >>> 15 Year Term
Reflective APR 9.237%*


Rate & Term Refinancing
90% Loan to Value
15 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
10% Down Payment
15 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

9.150% >>> 15 Year Term
Reflective APR 9.287%*

 

9.350% >>> 15 Year Term
Reflective APR 9.488%*


Rate & Term Refinancing
80% Loan to Value
20 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
20% Down Payment
20 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.250% >>> 20 Year Term
Reflective APR 8.358%*

 

8.885% >>> 20 Year Term
Reflective APR 8.996%*


Rate & Term Refinancing
85% Loan to Value
20 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
15% Down Payment
20 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.650% >>> 20 Year Term
Reflective APR 8.760%*

 

9.100% >>> 20 Year Term
Reflective APR 9.212%*


Rate & Term Refinancing
90% Loan to Value
20 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
10% Down Payment
20 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

9.150% >>> 20 Year Term
Reflective APR 9.262%*

 

9.350% >>> 20 Year Term
Reflective APR 9.463%*


Rate & Term Refinancing
80% Loan to Value
25 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
20% Down Payment
25 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.250% >>> 25 Year Term
Reflective APR 8.344%*

 

8.850% >>> 25 Year Term
Reflective APR 8.947%*


Rate & Term Refinancing
85% Loan to Value
25 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
15% Down Payment
25 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

8.650% >>> 25 Year Term
Reflective APR 8.746%*

 

9.100% >>> 20 Year Term
Reflective APR 9.198%*


Rate & Term Refinancing
90% Loan to Value
25 Year Term Programs
630 - 649 Mortgage Score
 
Purchase Financing
10% Down Payment
25 Year Term Programs
630 - 649 Mortgage Score
     
Fixed Rate Program
 
Fixed Rate Program

9.150% >>> 25 Year Term
Reflective APR 9.249%*

 

9.350% >>> 20 Year Term
Reflective APR 9.450%*


*The mobile home mortgage rates indicated above are reflective for both purchase and refinance, using an amount to finance of $250,000. The refinance rates reflect 90% to 80% loan to value, while purchase rates reflect a 10% to 20% down payment. Both refinance & purchase programs are calculated using a loan origination fee in the amount of $2,000.00 which was financed, not paid in cash. This fee does not include 3rd party escrow fees, Flood Certification or other titling fees that may be applicable in your state and/or situation.

**The Flex Rates shown are fixed for the term listed, then are adjustable for the remaining term listed. The adjustment is determined by the One Year Libor, which represents the cost of funds between banks. After the initial fixed rate period, your rate can go up or down. Your rate cannot go up more than 2% percent in any given 12 month period and cannot exceed 5% over the life of the loan.

*The Fixed Rates are fixed for the term of the loan and cannot change for the life of the loan.

The example rates above reflect the purchase or refinance of a 5 year old double section home located in a manufactured home park and/or leased lot community. Homes outside of this parameter may experience higher rates and /or fees. The origination fee indicated is for example purposes only. Your origination fee may be different dependent on your situation.

Meeting the above credit score, down payment and/or equity requirements does not guarantee approval. All approvals are based on your credit history, the mobile or manufactured home, location of the mobile or manufactured home, appraisal results and income history. Rates are subject to change without notice.

*Due to the complexity of the rate & term tables listed above, the Webmaster acknowledges there may be error(s) listed above. Always confirm the appropriate rate with a staff member before making a financial decision.

Bonus program - To qualify your loan must fund by 09/30/2014. The bonus will be paid upon funding of your loan and paid by check in the borrower's name. Bonus cannot be used for closing costs or down payment proceeds. $1,000.00 will be paid for all multi-section and single section homes.

 



Mobile Home Loan Rates

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