Manufactured homes · AZ, TX, CA · NMLS# 667008
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Single wide or double wide, on your own land. I have been doing manufactured home loans for more than 20 years. In fact, the first loan I ever funded was a manufactured home. You get fast answers and a clear plan from the start.
Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Experience
The basics
What to expect
Client reviews
Rated 4.98 out of 5 from 128 reviews on Experience.com.
“with Andy it was more like "this is how we are going to make it work."”
“Andy and his team were wonderfully! Communication was great and they were always willing to answer any questions or concerns I had. It can be stressful buying a new home but they made it as easy as possible! 10/10!”
“Andy and his team kept me fully informed through the loan process. When I had questions or concerns they were prompt to provide answers an additional information making the loan process much more simple. I highly recommend Andy and his team and Neighborhood Loans.”
FAQ
Almost always, yes. On some conventional loans it can be waived, depending on the home and the appraisal. The certification confirms the home sits on a permanent foundation that meets HUD guidelines. My team orders it for you. The cost can be paid by the buyer or the seller, and that part is negotiable in your purchase contract.
HUD labels, sometimes called HUD tags or plates, are small metal plates on the outside of each section of the home. The data plate is a paper label inside the home, often in a kitchen cabinet, a bedroom closet, or near the electrical panel. Together they verify the home, its age, and that it was built to HUD standards.
That is very common. If the appraiser needs them, my team orders a replacement verification through IBTS, the Institute for Building Technology and Safety, which is the source HUD uses for label verification. We handle ordering it.
It must have been built on or after June 15, 1976, when the HUD code took effect. Homes built before that date are not eligible.
Both. I lend on single wides and on double wides and other multi-section homes.
Yes. The home needs to be on land and treated as real property along with the land. That usually means it sits on a permanent foundation and the home and land are financed together as real estate.
FHA, VA, USDA, and conventional loans may be options, depending on the home, the land, and your situation. I will tell you quickly which ones fit.
Yes. If you own a manufactured home on land, ask me about refinancing. The same basics apply: the home, the foundation, and the land.
Yes. I am licensed in Arizona, Texas, and California, and I help manufactured home buyers and owners in all three states, including the Phoenix area and Texas.
Tell me about your plans. I will check every program you may qualify for and follow up personally.
Eligibility depends on the home, the land, and the borrower. Not every manufactured home qualifies for mortgage financing. Loan program guidelines, including foundation, age, and documentation requirements, are set by each loan program and investor and can change at any time. This page is general education only. Always confirm current guidelines with me before you make decisions.
This is not a commitment to lend, a loan approval, or a rate lock. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify.
Andy Braun, Senior Loan Officer | Sales Manager, NMLS #667008, AZ LO-1006099. Neighborhood Loans, Inc. NMLS #222982, AZ BK 1004602. Licensed in Arizona, Texas, and California. Equal Housing Lender. Verify licensing at nmlsconsumeraccess.org.
Program rates change daily. I will send you today's rate for this program personally.
Not a commitment to lend or a rate lock. Rates depend on your credit, loan type, and program option.
