can you get a manufactured home with a va loan

Yes, it is possible to get a manufactured home with a VA loan. The Department of Veterans Affairs (VA) offers loan programs that allow eligible veterans, active-duty service members, and surviving spouses to finance the purchase of a manufactured home. VA loans provide a range of benefits, including competitive interest rates and more flexible lending requirements.

VA Loan Eligibility for Manufactured Homes

To qualify for a VA loan for a manufactured home, borrowers must meet certain eligibility requirements:

  • Have a valid Certificate of Eligibility (COE) issued by the VA
  • Intend to use the manufactured home as their primary residence
  • Meet VA’s credit and income guidelines
  • Obtain a VA appraisal to determine the value of the manufactured home
  • Comply with local building codes and health and safety regulations

Types of Manufactured Homes Eligible for VA Loans

VA loans can be used to finance various types of manufactured homes:

  1. New manufactured homes: These homes are built on a permanent chassis and meet the HUD code.
  2. Modular homes: These homes are built off-site in sections and then assembled on the intended property.
  3. Manufactured homes already affixed to a foundation: If the manufactured home is already attached to a permanent foundation and meets all other VA loan requirements, it may be eligible for financing.

Benefits of Getting a Manufactured Home with a VA Loan

Choosing a VA loan to finance a manufactured home offers several advantages:

  • No down payment: VA loans typically do not require a down payment, making it easier for borrowers to purchase a manufactured home.
  • Competitive interest rates: VA loans often come with lower interest rates compared to conventional loans, resulting in potential long-term savings.
  • No private mortgage insurance (PMI): Unlike conventional loans, VA loans do not require private mortgage insurance, which can save borrowers money on monthly mortgage payments.
  • Flexible lending requirements: VA loans have more lenient credit and income requirements than conventional loans, making it accessible for more borrowers.

Disadvantages of Getting a Manufactured Home with a VA Loan

While there are numerous benefits to securing a manufactured home with a VA loan, it’s essential to consider potential drawbacks:

  • Property restrictions: VA loans can only be used for manufactured homes on permanent foundations and lands owned by the borrower. Leasehold properties are not eligible.
  • VA appraisal process: VA loans require a VA appraisal to determine the value of the manufactured home. If the appraisal comes in lower than the purchase price, it may affect the loan amount and terms.
  • Availability of lenders: Not all lenders offer VA loans for manufactured homes, so borrowers may need to do some research to find a lender that specializes in these types of loans.


If you are a veteran, active-duty service member, or surviving spouse, a VA loan can be an excellent option for financing a manufactured home. With their benefits, including competitive interest rates, no down payment, and flexible lending requirements, VA loans open up possibilities for homeownership in the manufactured home market.