can you use a va loan on a manufactured home

Yes, you can use a VA loan to purchase or refinance a manufactured home. The Department of Veterans Affairs (VA) provides this loan option to eligible veterans, active-duty military members, and surviving spouses. It’s important to understand the guidelines and requirements for using a VA loan on a manufactured home to ensure a smooth and successful homebuying process.

Understanding the Basics of a VA Loan for Manufactured Homes

When it comes to using a VA loan for a manufactured home, there are a few key factors to consider:

  • Permanent Foundation: The manufactured home must be affixed to a permanent foundation to qualify for a VA loan. This ensures stability and permanence of the property.
  • Certification: The home should be built in compliance with the HUD (Department of Housing and Urban Development) standards for manufactured homes. A HUD certification label should be present to confirm this.
  • Land Ownership: VA loans can be used for manufactured homes located on owned land, in approved manufactured home parks, or on leased land, provided the lease is long-term, typically for a minimum of 20 years.

In addition to these requirements, the borrower must meet the standard eligibility criteria for a VA loan, including obtaining a valid Certificate of Eligibility (COE) and meeting income and credit score guidelines.

VA Loan Appraisal and Minimum Property Requirements

Just like with traditional homes, a VA loan for a manufactured home requires an appraisal to determine the fair market value and ensure it meets the VA’s Minimum Property Requirements (MPRs). Some MPRs specific to manufactured homes include:

  • Structural Requirements: The home must be properly anchored and structurally sound, with no signs of significant damage or deterioration.
  • Utilities and Safety: The home must have utilities (water, sewer, and electricity) in good working order and meet safety standards.
  • Weather Requirements: Depending on the climate, the home may need additional weather-related features, such as insulation and snow load capabilities.

The VA loan appraisal and MPRs ensure that the property is suitable for financing and provides a safe and secure living environment for the borrower.

Eligibility for a VA Loan and Manufactured Home Financing Options

To obtain a VA loan for a manufactured home, borrowers must meet specific eligibility requirements. These requirements include:

  • Military Service: Veterans, active-duty service members, and certain categories of spouses are eligible for a VA loan.
  • Credit and Income: Meeting the VA’s credit and income guidelines is crucial for loan approval.
  • Occupancy: Borrowers must certify their intent to occupy the manufactured home as their primary residence.

It’s important to note that while VA loans offer excellent financing options for manufactured homes, the veteran is responsible for finding a lender willing to provide this type of loan. Not all lenders offer VA loans for manufactured homes, so conducting thorough research is necessary to identify potential lending options.

Benefits of Using a VA Loan for a Manufactured Home

Using a VA loan for a manufactured home comes with several advantages, including:

  • No Down Payment: Qualified borrowers can purchase a manufactured home with no down payment, enabling them to preserve their savings or use the funds for other purposes.
  • Competitive Interest Rates: VA loans often come with competitive interest rates, which can result in significant savings over the life of the loan.
  • No Private Mortgage Insurance (PMI): Unlike conventional loans, VA loans do not require private mortgage insurance, further reducing the borrower’s monthly expenses.

These benefits make VA loans an attractive option for veterans and military families looking to finance a manufactured home.


In conclusion, veterans and military members can indeed use a VA loan to purchase or refinance a manufactured home. By understanding the guidelines and requirements, borrowers can navigate the process successfully and take advantage of the numerous benefits VA loans offer. Consulting with a knowledgeable real estate agent or lender experienced in VA loans can provide further guidance and assistance in making homeownership dreams a reality.