Manufactured Home Financing

At East Coast Housing, it’s our goal to help you find the manufactured home of your dreams. Our friendly, professional staff are experts in manufactured housing and mobile home financing. We can help you find a loan in Latta, as well as Dillon, Lake View, Marion, Mullins, Bennettsville, Florence, Darlington, Timmonsville, Hartsville, Effingham, Lake City, Aynor, Conway, Johnsonville, Little River, Murrells Inlet, North Myrtle & Myrtle Beach.

The Right Loan For Your Unique Situation

No matter what your circumstances are when it comes to budget, credit history, or lifestyle, we can help you find a loan that meets your needs and makes financial sense. Take a look below at the variety of manufactured home loans that are available. If you have any questions, just fill out the form at the bottom of the page, or contact us directly.

Home Only Loans

Home Only manufactured home loans, also known as Chattel Loans, are perfect for home buyers that already own land. These loans can be used for new single or multi-section manufactured homes, and are commonly used for homes placed in land-lease communities.

Construction Loans

Construction loans, or construction to perm loans, are short-term, interim loans to pay for the construction of a home. These are considered “reimbursement loans”, which means the construction lender makes payments as various stages of work are carried out.

Land/Home Loans

If you need a loan for a manufactured home as well as land, a land/home loan is perfect for you. Dealing with two separate loans at the same time can lead to multiple closing costs and other headaches that come with overlapping loans. Instead, combine your loans into one easy, manageable monthly payment.

MH Advantage ®

With Fannie Mae’s innovative MH Advantage offering, designated manufactured homes designed with features similar to site-built homes are now eligible for financing terms more consistent with standard conventional loans. Combine features, like a down payment as low as 3%, with the lower price and customizable finishes of modern manufactured homes!

Program Benefits

  • Allows new manufactured homes to be appraised using site-built comparable homes vs. existing manufactured homes
  • Can be combined with Fannie Mae's HomeReady program for the same 3% down requirements
  • Helps address the affordable housing crisis - customers can now get the benefits of a manufactured home without paying the costs associated with stick-built
  • Allows customers to use currently owned or gifted land as their down payment - customers could come to closing with no additional money out of pocket
  • Lower monthly mortgage insurance premiums for homes as they are classified as site-built

Get Help With Manufactured Home Financing

If you still have questions about the financing process, or you’re not sure which loan is right for your home, let us know. We’d be more than happy to answer all your questions prior to matching you with a lender. Just fill out the form below and one of our finance specialists will get back to you as soon as possible. Fields marked with an asterisk * are required.