Manufactured Home Loans

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Manufactured homes are an affordable way to achieve your dream of owning a quality home. Our manufactured home loan at Sound Community Bank is perfect to make your dream a reality.

  • No hidden or junk fees
  • Automatic payment transfers available
  • Helpful loan advisors with knowledge of the local real estate market
  • Customized, friendly service from our experienced lending team
  • Free pre-qualification for extra confidence when it comes to securing home financing

Loan secured solely by a manufactured home.

  • Minimum down payment 10%
    • Minimum FICO score of 640
    • If FICO score less than 680 the minimum down payment is 20%
  • 15 and 20 year maximum terms
  • No ITIN (Individual Taxpayer Identification Number) financing available
  • No restrictions on age of manufactured home
  • Up to 90% LTV (Loan-to-Value)
  • Minimum loan amount $5,000
  • Maximum loan amount $350,000
  • Loan Fee: 1.00%

Loan secured by residential real property (land) and manufactured home. Manufactured homes with either title elimination or vehicle title are permitted.

  • Up to 90% LTV (Loan-to-Value)
  • Minimum loan amount $5,000
  • Maximum loan amount $500,000
  • Loan Fee: 1.00%
  • Known by several names: modular home, prefabricated home, prefab home, mobile home, etc.
  • Financing available for single wide, double wide, or triple wide homes
  • Pre-HUD (built before June 1976) homes eligible
  • Engineering report for foundation not required
  • Homes moved more than once are eligible
  • Fixed rate mortgages available
  • Budget-friendly repayment terms
  • Free 30-day rate locks
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Offer of credit is subject to credit approval.
NMLS #414462

15 Year Fixed
Purchase Amount: $100,000
Down  $20,000
Term  180
Interest Rate  8.375%
APR*  8.758%
Origination  $1,000
Estimated Costs $2,098.50
Principal & Interest  $781.94
Property Tax  $83.33
Estimated Insurance $75
20 Year Fixed
Purchase Amount: $100,000
Down  $20,000
Term  240
Interest Rate  8.875%
APR*  9.128%
Origination  $1,000
Estimated Costs $1,483.50
Principal & Interest  $713.36
Property Tax  $83.33
Estimated Insurance $75

*APR = Annual Percentage Rate. All loans subject to credit approval. Rate example as of 11/10/23. Rates and fees are subject to change and should not be construed as a commitment to grant a loan.

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