Manufactured Home Only Loans

Our Services

Financing Built for Manufactured Homes

Whether you’re buying, refinancing, or just getting started, we make manufactured home financing easy to understand and accessible.

Why Choose a Manufactured Home Only Loan?

Buying a manufactured home is a little different than buying a traditional stick-built house. Traditional mortgage lenders often don’t understand the unique needs of manufactured home buyers — but we do.

With our home-only loan programs, you can:

Secure financing even if your home sits on leased land.
Purchase a home with as little as 5% down (plus closing costs).
Refinance your current manufactured home loan to lower payments or take advantage of equity.

Get clear, friendly guidance from a family-run business that understands this market inside and out.

Who We Help?

We’re proud to serve a wide range of manufactured home buyers and owners:

First-time buyers looking for affordable housing options.
Families moving into a manufactured home community.
Homeowners looking to refinance for better terms.
Retirees who want to downsize into a comfortable, manageable space.

No matter your situation, we’ll walk you through every step with patience and care.

What You’ll Need to Get Started?

When you’re ready to explore a loan, here are a few things to gather before reaching out:

Your income information (pay stubs or proof of income).
Your approximate credit score.
Information about your monthly liabilities (car loans, credit cards, etc.).
The home you’d like to purchase — you’ll need a specific home in mind for pre-qualification.
Your down payment amount — we can go as low as 5%, but you’ll also need to budget for closing costs.

(Don’t worry if you’re not sure about all of this — we’ll help you sort through the details.)

Our Promise

We know financing a manufactured home can feel overwhelming. That’s why our goal is to make the process:

Simple – no confusing jargon, just straightforward steps.
Friendly – you’ll always talk to a real person who cares.

Efficient – most loans close in about 45 days, sometimes sooner.

Send Us a Message!

Our Process

How Financing Works

We keep the path to financing clear and simple. Here’s what you can expect when you work with us

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A Reputation Built on Results

Real clients Reviews

Why Choose Us

Why Choose Northwest Housing Services?

We know you have choices when it comes to financing. Here’s why so many families trust us:

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Take the Next Step

Ready to Explore Your Options?

Your journey to homeownership doesn’t have to be complicated. Whether you’re buying your first manufactured home or refinancing an existing one, we’ll guide you every step of the way.