Homestead
See What You Qualify For —
Right Where You Want to Live
Real loan numbers for singlewide, doublewide, and modular homes — no SSN, no hard pull, no runaround.
What Will Your Payment Be?
Adjust the sliders — your estimate updates in real time. No account needed, no strings attached.
Estimated Monthly Payment
Based on 7.25% APR · 23-yr term
Estimate only. Final rate depends on property type, location, and full application.
No Social Security number required · No hard credit pull · NMLS #2184920
Loan Programs Built for Manufactured Homes
Plain-language explanations — no jargon, no fine print surprises.
FHA Title II
Put as little as 3.5% down when the home sits on land you own.
Covers manufactured homes permanently affixed to a foundation — treated just like a conventional mortgage, building real equity from day one.
USDA Rural
$0 down for homes in qualifying rural counties.
Most manufactured homes outside major metros qualify. Income limits apply — ask us to check your address.
VA Home Loan
No down payment, no PMI for eligible veterans and active duty.
VA loans now cover manufactured homes on permanent foundations. One of the best loan products available for those who served.
FHA Title I
Finance just the home — no land ownership needed.
Perfect for leased-lot communities and park homes. Up to $92,904 for a doublewide.
Chattel-to-Real
Convert your personal property loan into a real mortgage.
Replace a high-rate chattel loan with a land-home package that builds equity and lowers your rate — often by 3–5 points.
Renting vs. Owning — Your Numbers
Enter what you pay in rent today. See how it stacks up against owning a 3-bedroom doublewide.
Renting
What you pay now
Every dollar goes to your landlord's equity — not yours.
Owning
3bd Doublewide · $130K
$1,896/yr
you could save vs. your current rent
Families Who Found Their Way Home
Real people, real payments, real porches.
"We were told three times our income was too low. Homestead found us a USDA loan and we closed in 38 days. Our payment is $847 — less than what we were paying in rent."
Debbie & Ronnie Castillo
"Twenty-two years in the Army and I never knew VA loans covered manufactured homes. Homestead walked me through every step. Zero down, no PMI. It still doesn't feel real."
Walter Nguyen
"We had a chattel loan at 11.9%. Homestead converted it to a land-home mortgage at 7.25%. Our monthly payment dropped $340 and we finally own the land under our feet."
Carolyn & James Whitfield
"The dream of a place to call yours — quiet land, a real roof, roots that hold — shouldn't be out of reach because your home comes on a truck."
— Marcus Trevino, Homestead Loan Advisor
Check My Rate
No SSN required. No hard credit pull. Takes 90 seconds.
Free Buyer's Guide
47 pages covering every loan program, what to look for in a manufactured home, and how to avoid the 6 most common mistakes first-time buyers make.