Veterans Mortgage of America is a VA Approved Lender | NMLS ID 3117

Manufactured Home Loans

If you have had trouble finding a lender that accepts manufactured home loan applications, then you have  come to the right place. Veterans Mortgage of AmericaTM (VMA) is an experienced lender with a commitment to providing superior 5 star customer service to all of our customers.

While many lenders have shied away from the manufactured housing market, VMA continues to offer competitive financing to those looking to purchase or refinance their homes. Typically, Manufactured loans are cumbersome and difficult compared to other loan types. As such, many lenders refuse to offer them. If you are in the market for a loan, you can probably identify with the sense of rejection many people feel when searching for a quality lender that is knowledgeable with manufactured housing loans.

At VMA we not only provide this type of loan, but we are also able to offer exceptional rates with quick turn times. Don’t miss this opportunity to get the specific loan you are seeking. Contact us today by completing the information below or simply call us at 1-484-838-5626. We look forward to working with you!

Product Eligibility

A Manufactured home is a structure that is transportable in one or more sections, and is designed and constructed to the Federal Manufacturing Construction and Safety Standards and is labelled accordingly. To be eligible for FHA mortgage insurance and VA approval, all manufactured homes must comply with the following:

  • The Manufactured home is no less than 800 square feet
  • The home must be constructed after June 15th, 1976, in conformance with the Federal Manufacturing Home Construction and Safety Standards, as evidenced by an affixed certification label in accordance with 24 CFR 3280.11.
  • It must be classified as real property and affixed to the land with a recorded affidavit of affixture.
  • The mortgage must cover both the manufactured unit and its site and shall have a term of not more than 30 years.
  • The land cannot be leased and must be owned free and clear or with a lien payable to a bank or title company.
  • The home must be designed to be used as a dwelling with a permanent foundation built to HUD criteria, and the finished grade elevation at or above the 100-year return frequency flood elevation.
Jimmy O.
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"USAVA Lending did a fine job. They explained everything. They treated me just fine and they were real friendly. If I had a question they got right back in touch with me at the time they said they would. They got what I wanted. I had no complaints. They corrected things that needed to be done. I was alright with the interest rate being the same. I would recommend them."
Elizabeth C.
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We received VA Refinance from USAVA Lending. All expectations were meet we had excellent communications from the "Executive Assistant. They provided prompt and thorough services. I would recommend USAVA Lending. It was easy with no hassles."
Will M.
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"The service was real good and they were pleasant. They were real polite and nice. The loan closed early and it did not take too long. We had no problems with them. The loan originator was excellent. He set us up and he was fantastic! He called back to see if everything went smooth and to find out if we had any questions. We did not have any questions because they answered them. I would definitely recommend them."
Barbara S.
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"They did a great job! I was very satisfied with their helpfulness and they went as far as taking care of the little details. During the time I was refinancing, my husband was in the hospital and was in ICU. The Senior Loan Processor was very helpful and was there for me when I couldn't be quite there myself. We got a reduced interest rate and reduced payment. I got a lot of great customer service from their team. I was looking for a place online and just happened to find their website and have been trying to refinance for 2-3 years..."
Charles M.
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"Thank all of you that worked to get this mortgage through. The Senior Loan Processor was quite a tireless person working with us. She was good to us and caring. She was also reassuring. We were very nervous and she calmed our fears.We would recommend USAVA Lending very highly. They were friendly, courteous, informative. They explained everything. USAVA Lending was the first loan company we have used in many years and it was worth our while. They facilitated the process, so we had nothing was held up."
Levi M.
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"I have used USA Home Loans a couple of times now and I keep going back because the employee I work with is great. I am always treated well and the employee is very personable. I have recommended them and if asked I would keep recommending them they are efficient."
Anthony Z.
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"Everyone at USAVA Lending did a splendid job in refinancing my home..They were very courteous,imformative, and answered all my questions. They were all very professional in handling my re finance, and it was finished promptly.I recommend your Lending Instition very highly.Thank you all for doing such a great job!"
Joe L.
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"Compared to Chase and other places that I worked with USAVA Lending were excellent. It was impressive because they are in Arizona and I am 1000 miles away in the bay area in California and I got better service from them than I would get from Chase who is literally around the corner. When the loan originator contacted me I was kind of leery that something like this would go through, but he did a remarkable job in terms of managing the loan application and process..."