Factory-Built Home Financing Made Simple

Acquiring financing is an essential step toward the purchase of a new home, but options for factory-built homes can seem limited, and the fine print can be confusing. Our team at D & J Homes is knowledgeable and experienced in the current options and resources for manufactured and modular home financing, and we can help you make sense of it all. We’ll help you find the loan that’s right for your unique financial situation, and ensure this part of your home buying process doesn’t delay your move-in or cause unnecessary frustration. We’re here to help you get a great deal on a new home you’ll love. Read on to learn more about the financing options we offer, or pre-qualify for a loan today—just complete and send the short form at the bottom of this page, and we’ll get in touch.

The Right Loan For Any Purchase


Also called a Conventional Mortgage, a Land/Home loan offers homebuyers many advantages for purchasing a manufactured home and land together. This type of loan offers a convenient front-end one-time close, and site improvements can be financed into them. You won’t be required to pay monthly Private Mortgage Insurance (PMI), and you may be able to buy down your interest rate. In addition, no permanent foundation or survey is required. You may qualify for longer loan terms, and closing costs and points can be financed into the loan, reducing your out-of-pocket closing costs.


Also known as Chattel loans, these are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to real estate. Down payment requirements can be as low as 5%. Terms for these loans are usually capped at 20 years. The interest rates are typically 3-4% higher than the traditional mortgage loan. At D & J Homes, we’re well-versed in this financing option and can help you qualify for it, enabling you to purchase the home you’ve been dreaming of.


If you’ve had some credit challenges in the past but currently have the ability to repay a mortgage, then FHA modular and manufactured home loans are an excellent option for you. In many cases, these loans have lower credit score and down payment requirements than conventional loan products—this means past credit challenges, or no established credit, will not automatically deter you from obtaining an FHA home loan.

The VA offers manufactured and modular home financing to active duty military, veterans, and their spouses. Like FHA loans, VA home loans have lower credit requirements, but they also carry significant additional benefits—you may be able purchase your new home without a down payment, you won’t have to make monthly PMI payments, and the home appraiser is selected independently by the VA, meaning the lender has little or no control over the appraisal process.