Find The Right Mortgage For You
Getting a manufactured home loan could be a good way to buy a home.
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Buy or refi today!
Finding an affordable home or vacation property is challenging when supply is low, prices are high, or available properties need renovations. That’s why a manufactured home could be a great option! There are a variety of attractive models built to high standards with today’s sought-after amenities. The main difference is they’re built at efficient state-of-the-art facilities, then delivered and installed on your chosen home site. Let us help you find a great loan for your needs—from land and home loans, to new and used factory-built-homes, and even refinances—we’ve got you covered. Get pre-qualified today!
Features & Benefits
Low Down Payment
With low down payment options, we can help get you into your new home fast!
$0 Application Fee
There’s no cost to get pre-qualified and the application process is easy.
Lock in Your Rate
Whether you’re ready to buy or refinance, you can lock in your rate for up to 90 days.Once your loan is approved, your rate can be locked up to 90 days.
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Frequently Asked Questions
What is a manufactured home loan?
A manufactured home loan is a type of financing specifically designed for purchasing a home that’s built off-site then transported to its permanent location. These loans can help you own a home that’s often more affordable than a traditional house, with flexible options for different budgets and needs. If you’re considering a manufactured home, this type of loan could make homeownership more accessible and affordable.
How do I qualify for a manufactured home loan?
You’ll need to meet a few key requirements to qualify for a manufactured home loan. Lenders typically look for a good credit score (think 670+), solid credit history, and proof of stable income and employment.
What kinds of manufactured homes qualify?
A manufactured home loan requires that the home was built after June 15, 1976, when stricter safety standards were enacted by the U.S. Department of Housing and Urban Development (HUD). The house should be permanently fixed to a foundation and classified as real property, not personal property. You can talk with a member of Arkansas Federal’s lending team for specific guidelines.
What are the down payment options?
Arkansas Federal offers low down payment options for manufactured home loans, with minimums starting at just 5% down. However, you can put down more than the minimum to lower your monthly payment amount.
What is different about a manufactured home loan?
A manufactured home loan differs from a traditional home loan in a few ways. It often requires the home to meet specific standards set by the U.S. Department of Housing and Urban Development (HUD). Manufactured home loans also typically have more flexible terms than traditional home loans – think lower down payments or shorter loan periods. They’re a great option for affordable homeownership, but can come with some unique guidelines, so it’s best to talk with a member of our lending team about what option might be best for you.
How do I apply?
You can apply online in minutes, talk with one of our lending experts, or stop by your to learn more.
