Manufactured Housing Financing

A number of Oklahoma financial service companies and their branch offices have loan programs for manufactured homes. These institutions include banks, saving banks, credit unions, mortgage corporations and commercial finance companies. These companies provide all types of consumer, conventional and government-backed financing for manufactured homes.

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A common method of financing manufactured homes is through a retail installment contract. This can be arranged through the retailer or by the homebuyer directly with the financial institution.

Conventional real estate mortgages are also available for manufactured homes when they are affixed to real property. Manufactured homes are eligible for insurance under government backed programs offered by the Federal Housing Administration (FHA), the Veterans Administration (VA) and the Farm Home Loan Administration (FmHA). Further, the Federal Home Loan Mortgage Corporation will buy loans backed by manufactured home real estate.

The diversity of today's manufactured home and the amenities available means that there is a home to meet practically any lifestyle. Homes range in size from 700 square feet to over 3,000 square feet.

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