Manufactured Home Loans

Financing Services

At Diamond Home Sales, our commitment extends to making your dream of homeownership a reality through Manufactured Housing Financing. From securing approvals to crafting the perfect financing plan for your dream home, we cover every detail. Whether it’s poured piers, garages, landscaping, decks, porches, steps, or basement construction, our focus on precision and quality ensures that every aspect aligns seamlessly with your vision..


Referred to as a Conventional Mortgage, a Land/Home loan provides homebuyers with notable advantages when purchasing a manufactured home and land together. These loans often feature a convenient one-time close, allowing financing for site improvements. Monthly Private Mortgage Insurance (PMI) may not be required, and opportunities to buy down the loan's interest rate exist. Moreover, no mandatory permanent foundation or survey is necessary. Conventional Mortgages offer extended loan terms, with options to finance closing costs and points, ultimately reducing your out-of-pocket expenses at closing.


Commonly referred to as Chattel Mortgages, these are personal property loans designed for the acquisition or refinancing of a manufactured home not permanently affixed to real property. Chattel home loans often have down payment requirements as low as 5%, and terms are generally capped at 20 years. Interest rates for Chattel mortgages typically run 3-4% higher than traditional mortgages. At Diamond Home Sales, we recognize the benefits of this distinctive home financing option for buyers of manufactured and modular homes. Our team can assist you in qualifying for it, making it possible for you to acquire a new home you adore within any budget.


If you've faced credit challenges in the past but currently have the ability to repay a mortgage, FHA manufactured and modular home loans provide an excellent opportunity. These loans often come with lower credit scores and down payment requirements compared to conventional home loans, making it possible for individuals with credit challenges or limited credit history to qualify for an FHA home loan. For active duty military, veterans, and their spouses, the VA offers financing for factory-built homes. Similar to FHA loans, VA home loans have lenient credit requirements and additional benefits. You might be eligible to purchase your new home with no money down, avoid monthly PMI payments, and benefit from an independent appraisal process by the VA, giving lenders minimal control over the appraisal process.

See how easy financing your manufactured home can be

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