FHA Manufactured Home Mortgage Loan

 

The FHA mortgage program allows home buyers with little to challenged credit to become homeowners.

  • Minimum FICO Score: 640
  • Minimum Down Payment:  3.5%
  • Down Payment from a Gift:  Yes!
  • Owner Occupied Only
  • Minimum 400 Square feet, so Single Wide are allowed
  • Doublewide & Triple Wide
  • Constructed after June 15, 1976
  • Seller can pay up to 6% towards Closing Costs
  • Classified as Real Property
  • HUD Certified Permanent Foundation
  • HUD tags and certification necessary

Veterans Administration, VA Manufactured Home Mortgage Loan

 

VA home mortgage program that allows those who served the US to get into a Manfactured Home with NO down payment.

  • Minimum FICO Score: 640
  • Minimum Down Payment: ZIP, Zero, NADA
  • Owner Occupied Only
  • Doublewide and Triplewide units eligible
  • Constructed after June 15, 1976
  • Seller can pay up to 6% towards Closing Costs
  • Classified as Real Property
  • HUD Certified Permanent Foundation
  • HUD tags and certification necessary

USDA Rural Development Manufactured Home Mortgage Loan

 

Allow for 100% financing in Rural Areas of Idaho

  • Minimum FICO Score:  640
  • Minimum Down Payment: ZIP, Zero, NADA
  • Owner Occupied Only
  • Property needs to be in Eligible Rural Areas
  • Minimum 400 square feet in size
  • Doublewide and Triplewide units eligible
  • Must be constructed in last 12 months and NEVER occupied
  • Seller can pay up to 6% towards Closing Costs
  • Classified as Real Property
  • HUD Certified Permanent Foundation
  • HUD tags and certification necessary

GET STARTED TODAY!