The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

What to know about home loan financing for manufactured homes

Manufactured Home Loans: What You Need to Know About Pre-1976 Homes

By Scott Sheldon / September 10, 2025

When it comes to financing a manufactured or mobile home, not all properties are treated equally. One of the first questions any lender is going to ask—whether it’s for FHA, VA, or conventional financing—is this: When was the home built? This single detail can dramatically shape your loan options, eligibility, and overall path forward. If…

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