can i buy a manufactured home with va loan

Yes, it is possible to buy a manufactured home with a VA loan. The Department of Veterans Affairs (VA) offers this type of loan for eligible veterans, active-duty service members, and surviving spouses. With a VA loan, you can finance the purchase of a manufactured home as long as it meets certain requirements set by the VA. Let’s explore this topic further.

VA Loan Eligibility for Manufactured Homes

In order to buy a manufactured home with a VA loan, you must meet the following eligibility criteria:

  • You must be an eligible veteran, active-duty service member, or surviving spouse.
  • You must have a valid Certificate of Eligibility (COE) from the VA.
  • The manufactured home must be classified as real estate, meaning it is permanently affixed to a foundation and has a title elimination.
  • The home must be built after June 15, 1976, and meet the minimum property requirements set by the VA.
  • The home must be intended for your personal occupancy as your primary residence.

Meeting these eligibility requirements will pave the way for you to purchase a manufactured home using a VA loan.

Advantages of VA Loans for Manufactured Homes

Choosing a VA loan for your manufactured home purchase offers several advantages:

  1. No down payment: One of the biggest benefits of VA loans is the ability to finance 100% of the purchase price, eliminating the need for a down payment.
  2. Competitive interest rates: VA loans often come with more favorable interest rates compared to conventional loans, potentially leading to lower monthly payments.
  3. No private mortgage insurance (PMI): Unlike conventional loans, VA loans do not require PMI, which can save you a significant amount of money each month.
  4. Flexible credit requirements: VA loans typically have more lenient credit requirements, making it easier for borrowers with less-than-perfect credit to qualify.

These advantages make VA loans an attractive option for purchasing a manufactured home.

Steps to Buying a Manufactured Home with a VA Loan

Here is a step-by-step guide to help you navigate the process of buying a manufactured home with a VA loan:

  1. Obtain your Certificate of Eligibility (COE): The first step is to acquire your COE from the VA. You can apply online through the VA’s eBenefits portal or work with a VA-approved lender to assist you with the process.
  2. Find a VA-approved lender: Look for lenders who are experienced in VA loans for manufactured homes. They will guide you through the loan application process and help you understand the specific requirements.
  3. Shop for a manufactured home: Begin searching for the right manufactured home that meets the VA’s requirements and your personal preferences. Work with a reputable dealer who specializes in VA loans for manufactured homes.
  4. Coordinate with the lender: Work closely with your VA-approved lender to complete the necessary paperwork, including the loan application and any additional documentation required.
  5. Undergo the appraisal and inspection: The VA will conduct an appraisal and inspection of the property to ensure it meets the VA’s minimum property requirements.
  6. Finalize the loan: Once the appraisal and inspection are completed and your loan is approved, you can move forward with the closing process and finalize the purchase.

Following these steps will help you navigate the process of buying a manufactured home using a VA loan smoothly.

Comparison of VA Loan vs. Traditional Mortgage for Manufactured Homes

Here is a comparison between VA loans and traditional mortgages for manufactured homes:

VA Loan Traditional Mortgage
Down Payment No down payment required Typically requires a down payment
Interest Rates Often lower interest rates Interest rates may vary
Private Mortgage Insurance (PMI) No PMI required PMI may be required
Credit Requirements More flexible credit requirements Stricter credit requirements

This comparison highlights the benefits of choosing a VA loan for purchasing a manufactured home.


In conclusion, buying a manufactured home with a VA loan is indeed possible. If you meet the eligibility criteria and follow the necessary steps, you can finance your manufactured home purchase and enjoy the advantages that come with VA loans. Remember to work with a VA-approved lender and adhere to the VA’s requirements for a smooth and successful home buying process. Take advantage of the benefits provided by VA loans and achieve your dream of owning a manufactured home.