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11 Best Manufactured Home Loans for Bad Credit Financing – 11 Best Manufactured Home Loans for Bad Credit Financing. In this case, you’ll want to make sure you know exactly what you need to fund. Homes built in a factory – as opposed to homes built on-site – come in three basic styles: mobile homes, manufactured homes, and modular homes.
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HUD.gov / U.S. Department of Housing and Urban Development (HUD) – The proceeds of a Title I manufactured home loan may not be used to finance furniture (for example, beds, chairs, sofas, lamps, rugs, etc.). However, built-in appliances and equipment and wall-to-wall carpeting are eligible for financing.
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It is much easier to qualify for this Government home loan than a conventional mortgage because of the lenient loan requirements. The term "bad credit home loans" often refers to an FHA mortgage, or sub-prime loan. Check Current FHA Rates. 2018 FHA Credit Requirements. Because FHA home loans are insured they are much less risky for lenders.
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