Loans for Manufactured Homes With Land
Help Your Clients Put Down Roots With a Home of Their Own
Purchasing manufactured homes with land is an excellent path toward affordable, independent living. Yet, these financing options are often overlooked or unavailable through most traditional wholesale lenders.
Securing loans for manufactured homes with land can seem limiting—but it doesn’t have to be. When you partner with United Ag Lending, we focus on finding ways to make your clients’ goals possible, not reasons to say no.
Our straightforward process allows you to offer a tailored loan solution for manufactured homes with land, designed around your clients’ specific circumstances and long-term vision.
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Step: 1
Discovery
We begin with a conversation to understand you and your client’s vision—what type of manufactured home they want and the land they hope to pair it with.
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Step: 2
Loan Planning
Once we better understand your client’s goals, our team will create a tailored financing solution that fits their individual situation and timeline.
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Step: 3
Funding & Support
After your client secures their loan and moves forward with their property plans, we stay a trusted resource, providing guidance every step of the way.
Manufactured Home Loans
Our loans for manufactured homes with land is a perfect example of how United Ag Lending redefines traditional financing. We take the standard idea of what a manufactured home loan can be and turn it into a tailored solution that meets your client’s unique needs.
Unlike typical wholesale lenders, who often limit what can be financed, we provide more flexibility. Eligible homes must be doublewide or larger, built after 1976, and permanently affixed to a foundation. We even allow moved manufactured homes, so a home previously located elsewhere can qualify if it’s properly set on a permanent foundation.
With these options, we make it possible for your clients to secure a quality manufactured home on land while giving you, as a partner, the tools to expand your financing offerings.
Program Highlights:
- Minimum of 5 acres
- Home with up to 160 acres (more allowed on a case-by-case basis)
- Ag-exempt properties allowed but not required
- Schedule F (Farm) income allowed
- Purchase, rate/term, and cash out refinances to pay off debt, home, or land improvements, or cash in hand
- Consolidate land and construction loans into a permanent mortgage loan
- Primary homes or second homes
- Land value can exceed 30% of appraised value (other lenders don’t allow this)
- Dwelling value only required to be 25% of value (lower allowed on a case-by-case basis)
- Multiple parcels allowed and parcels within reasonable proximity of each other (combine properties)
- Farming and farm income allowed, if not sole income
- Horse facility with indoor/outdoor arena and no limitation on horse stables permitted
- 50 heads of livestock or fewer are acceptable
- Shed homes, barndominiums with typical living quarters, log homes, and multiple homes allowed on property
- Fixed 15- and 30-year terms
- Manufactured homes must be doublewides or larger
- Homes can be moved before as long as on permanent foundation
- Must be built after 1976
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Serving Brokers
Lenders
Banks
With access to loans for manufactured homes with land, by partnering with United Ag Lending, you can provide your clients with a variety of possibilities, such as:
And this is only the beginning. Our loan programs can give your clients options that truly fit their needs and goals.
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Making an income from their hobby farming
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Housing up to 50 heads of livestock on the land
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Owning multiple parcels of land and parcels within reasonable proximity of each other (it’s also possible to combine these properties)
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Schedule F (Farm) income allowed
Prioritizing Your Clients’ Goals
Your clients have a vision for their home and land, and we’re here to help make it happen. Our manufactured home with land loans give your clients the freedom and flexibility to create the lifestyle they want.
Ready to move forward? Connect with your AE today to explore our manufactured home loan options and find the right fit for your clients.
Get Started
The process is quick and easy. Answer a few quick questions, and we’ll determine which loan program is perfect for your clients!