Are you searching for reliable used mobile home financing companies but feeling overwhelmed by the many options available? You’re not alone.
Finding the right lender is crucial when purchasing a used mobile home, especially if you’re working with a specific credit score or budget.
In this updated 2025 guide, we bring you a carefully selected list of the top 10 trusted financing companies in the United States that specialize in used mobile home loans.
These companies are known for offering competitive interest rates, flexible terms, and loan options tailored to a variety of financial profiles.
Whether you have excellent credit or are building your score, there’s likely a financing solution that fits your needs.
Before moving forward with any loan application, it’s important to verify the credibility and reputation of the company you choose.
The lenders included in this list have solid customer reviews and strong industry reputations—but we always recommend doing your own due diligence.
This guide will help you explore your options confidently and make an informed decision when financing your used mobile home.
Let’s dive into the best financing companies of 2025 that can help turn your mobile home ownership dreams into reality.
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Top 10 Used Mobile Home Financing Companies in the US
1. 21st Mortgage Corporation
21st Mortgage Corporation stands out as one of the top used mobile home financing companies in the United States. They specialize in providing tailored loan solutions for both new and used manufactured homes, making them a reliable choice for a wide range of borrowers.
What sets them apart is their flexibility—offering financing for homes situated in mobile home parks as well as on private land. Unlike many lenders, 21st Mortgage does not impose a minimum credit score requirement, which makes them more accessible to individuals with varying credit histories.
Their loan terms are generous, with options reaching up to 30 years, and they offer competitive interest rates to keep payments manageable. Additionally, they service all their loans in-house, ensuring continuity and personalized support throughout the life of the loan. F
or anyone exploring used mobile home financing companies, 21st Mortgage Corporation provides a comprehensive, customer-focused experience that simplifies the path to ownership.
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2. Triad Financial Services
With over 60 years of experience, Triad Financial Services has earned its reputation as one of the most established and trusted used mobile home financing companies in the United States. Specializing in both new and used manufactured homes, Triad offers a wide array of loan options to fit different credit profiles and financial needs.
They provide chattel loans for homes located in mobile home communities and land-home loans for buyers who own or are purchasing the land alongside the home.
Triad is known for its streamlined application process, fast approvals, and competitive interest rates, making financing more accessible and less stressful for borrowers. Their loan terms are flexible, helping customers find repayment plans that work for their budgets.
Additionally, Triad maintains strong relationships with mobile home dealers and real estate professionals across the country, offering added convenience and support. As one of the top used mobile home financing companies, Triad continues to deliver reliable service and tailored financing solutions.
3. Vanderbilt Mortgage and Finance
Vanderbilt Mortgage and Finance, a subsidiary of Clayton Homes, is one of the most reputable used mobile home financing companies in the United States.
They specialize in offering a wide array of loan products designed to meet the needs of mobile and manufactured home buyers, including options for both home-only purchases and land-home packages. This flexibility makes Vanderbilt a solid choice for a variety of buyers, whether they own land or are placing their home in a community.
What sets Vanderbilt apart from other used mobile home financing companies is their willingness to work with borrowers who have less-than-perfect credit. Their loan terms can extend up to 30 years, with competitive fixed interest rates that make monthly payments more manageable.
They also provide an easy-to-use online application process and maintain strong customer service throughout the life of the loan.
Vanderbilt’s reputation for accessibility, coupled with its wide-ranging loan options and supportive approach, makes it a top contender for individuals seeking financing for used mobile homes.
4. eLEND
eLEND is a standout among used mobile home financing companies, offering affordable and accessible loan solutions specifically designed to assist first-time homebuyers and individuals with moderate incomes.
Their strength lies in providing government-backed loan programs such as FHA, VA, and USDA loans, which are suitable for purchasing both new and used mobile homes. These programs often come with benefits like low down payments and flexible credit requirements, making them an ideal choice for many buyers.
As one of the more user-friendly used mobile home financing companies, eLEND offers a streamlined online application process. Their digital platform is easy to navigate, ensuring that potential borrowers can quickly start their journey toward homeownership.
Additionally, eLEND’s dedicated mortgage specialists provide personalized support throughout the entire loan process, helping clients understand their options and make informed decisions.
With competitive interest rates and a strong emphasis on education and customer service, eLEND remains a top choice for those looking to finance a used mobile home. Their mission to make homeownership more accessible resonates with a wide range of buyers across the U.S.
5. Manufactured Nationwide
Manufactured Nationwide is a veteran-owned lender and one of the leading used mobile home financing companies in the United States, serving all 50 states with specialized loan solutions.
Whether you’re purchasing a manufactured, modular, or mobile home, this company provides flexible financing programs tailored to a wide range of needs—including options for both land-home packages and homes situated in mobile home parks.
One of Manufactured Nationwide’s standout features is their up to 100% financing options, which are particularly appealing to buyers looking to minimize upfront costs.
They also serve a diverse customer base by offering loan programs that accommodate varying credit profiles, including financing for ITIN holders, which expands access to those without Social Security numbers.
Borrowers can benefit from competitive fixed interest rates, fast approval processes, and even the option to include up to $50,000 extra for home improvements or related costs at closing (for qualified applicants).
As one of the more inclusive and efficient used mobile home financing companies, Manufactured Nationwide prioritizes speed, flexibility, and customer satisfaction—making them an excellent choice for anyone seeking mobile home financing.
6. Credit Human
Credit Human stands out among used mobile home financing companies as a member-owned financial cooperative with a strong focus on personalized service and community development.
They offer a wide range of loan products for manufactured and mobile homes, including financing for both single-section and multi-section homes. Whether the home is placed in a park or on privately owned land, Credit Human has options to suit diverse housing situations.
One of the key advantages of Credit Human is their competitive fixed interest rates and flexible loan terms, which can accommodate borrowers in various financial brackets. Their commitment to customer service is evident through their team of dedicated loan specialists, who work one-on-one with borrowers to tailor financing solutions that meet individual needs.
As a cooperative, Credit Human emphasizes member satisfaction over profit, reinvesting in the communities they serve.
This mission-driven approach, combined with reliable and accessible loan programs, makes Credit Human a trusted name in the realm of used mobile home financing companies, especially for borrowers seeking a supportive, community-oriented lending experience.
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7. Cascade Financial Services
Cascade Financial Services is a standout among used mobile home financing companies, especially for borrowers with lower credit scores seeking affordable and flexible financing options.
Specializing in manufactured home loans, Cascade offers both chattel loans for homes located in parks and land-home loans for properties where borrowers own the land.
Their loan programs include government-backed options such as FHA, VA, and USDA loans, allowing a wide range of borrowers to qualify and benefit from competitive terms. Cascade’s streamlined application process features quick prequalification and personalized guidance from knowledgeable loan officers, making financing accessible and less intimidating.
What sets Cascade apart is their strong commitment to serving underserved markets, making them a valuable resource for individuals who might face challenges obtaining traditional financing.
With their flexible loan options and supportive customer service, Cascade Financial Services is a reliable partner for many looking for trusted used mobile home financing companies that cater to diverse financial situations.
8. Fannie Mae (MH Advantage®)
Fannie Mae’s MH Advantage® Program is a specialized mortgage financing option offered by one of the leading government-sponsored enterprises, designed specifically for manufactured homes that meet certain construction, design, and energy efficiency standards.
This program bridges the gap between traditional manufactured homes and site-built homes by providing conventional loan features such as lower interest rates and down payments as low as 3%.
Available through approved lenders, the MH Advantage® program aims to increase access to affordable, high-quality housing by supporting homes that are built to higher standards.
Borrowers benefit not only from more favorable financing terms but also from the potential for greater resale value and the opportunity to build equity over time, similar to traditional homeownership.
For those exploring used mobile home financing companies or seeking financing options for manufactured homes, the MH Advantage® program offers an attractive alternative that combines affordability with long-term value and stability.
9. Rocket Mortgage
Rocket Mortgage delivers a fully digital mortgage experience, making it easy for borrowers to apply for and manage their loans entirely online.
They offer financing solutions specifically for manufactured homes that are permanently affixed to land owned by the borrower and meet certain property criteria. Rocket Mortgage supports a variety of loan programs, including conventional, FHA, and VA loans, making their services accessible to a broad range of borrowers.
One of Rocket Mortgage’s standout features is its streamlined application process, which allows borrowers to track their loan status in real-time and receive personalized guidance from mortgage experts throughout the journey.
This tech-driven approach simplifies the traditionally complex mortgage process and appeals especially to borrowers who prefer managing their finances digitally.
For those seeking financing through used mobile home financing companies, Rocket Mortgage offers a convenient, transparent, and customer-focused option that blends cutting-edge technology with expert support.
10. First Fed
First Fed specializes in offering conforming manufactured home loans for properties located in Washington State. They provide financing specifically for manufactured homes that are permanently affixed to land owned by the borrower.
Their loan terms and interest rates are competitive and comparable to those of traditional site-built home mortgages, making financing accessible and affordable for manufactured homebuyers.
First Fed’s lending experts take a personalized approach, working closely with borrowers to guide them through the loan process and tailor terms that best fit their unique financial situations. Their focus on community banking ensures borrowers receive attentive service and support every step of the way.
For those searching for reliable used mobile home financing companies in Washington, First Fed stands out as a trusted lender dedicated to helping customers secure quality financing with a local touch.
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How to Get Financing from Used Mobile Home Financing Companies
If you’re considering purchasing a used mobile home, securing a loan from trusted used mobile home financing companies is a crucial step. Here’s how to prepare and improve your chances of getting approved:
- Check Your Credit Reports: Before applying with any used mobile home financing companies, check your credit report from Experian, TransUnion, or Equifax. A strong credit score and a clean history will help you qualify for better interest rates and loan terms. If there are errors, dispute them promptly.
Why it’s important: Most used mobile home financing companies offer lower rates to borrowers with strong credit, saving you thousands in the long run. - Decide Whether You’re Buying Land: Some used mobile home financing companies offer more favorable terms if you’re purchasing the land along with the mobile home. Homes permanently affixed to land are considered more stable investments.
Why it’s important: If you’re only renting land, fewer used mobile home financing companies will offer loans. - Know the Type of Home You’re Buying: The kind, age, and cost of the mobile home matter. Some used mobile home financing companies won’t approve older homes or those exceeding certain price limits.
Why it’s important: Your eligibility with used mobile home financing companies depends on the home’s value and condition. - Compare Financing Options: Don’t settle for the first offer. Compare rates, fees, and loan terms from different used mobile home financing companies. This helps you secure the most affordable option.
Why it’s important: Shopping around with various used mobile home financing companies could save you thousands over the life of your loan. - Submit Your Loan Application: When you’ve chosen a lender, ensure your application is complete. Many used mobile home financing companies will also require a down payment.
Why it’s important: A complete, transparent application increases your approval chances and makes the process smoother with used mobile home financing companies.
FAQs
Can I get financing for a used mobile home with bad credit?
Yes, some used mobile home financing companies work with borrowers who have less-than-perfect credit. However, you may face higher interest rates or stricter terms. It’s a good idea to improve your credit score before applying to secure better loan options.
Do all financing companies require a down payment?
Most used mobile home financing companies do require a down payment, typically ranging from 5% to 20%. The amount may vary based on your credit score, the value of the home, and whether you’re purchasing land with the home.
What documents are needed to apply for mobile home financing?
You’ll usually need proof of income, identification, credit history, and details about the home. Some used mobile home financing companies may also require property appraisals and proof of land ownership or rental agreement.
Can I finance an older mobile home?
It depends on the lender. Many used mobile home financing companies have age limits on the homes they finance, typically not older than 20–25 years. Always check the company’s criteria before applying.
Is it better to finance through a bank or a mobile home lender?
While banks may offer lower rates, specialized used mobile home financing companies often have more flexible loan options tailored specifically for manufactured or mobile homes, making them a better choice for many buyers.
Conclusion
Choosing the right used mobile home financing company is key to securing the best rates and terms for your purchase. By understanding your options, checking your credit, and comparing lenders, you can make an informed decision that supports your financial goals and helps you own a mobile home with confidence.
