Manufactured Home Financing Made Simple
Discover all your financing options for manufactured homes in Arizona. From FHA loans with 3.5% down to VA loans with $0 down for veterans.
Minimum Down Payment (FHA)
Loan Options Available
Year Terms Available
⚠️Important: Financing for NEW Manufactured Homes
Southwest Homes specializes in NEW manufactured homes that are ordered from the factory, built to your specifications, and professionally installed on your land or land we help you find.
How NEW Home Financing Works:
- • Construction-to-Permanent Loans: Single loan covers ordering, building, and installation
- • FHA/VA/USDA Options: Available for new homes on permanent foundations
- • Timeline: 6-8 months from order to move-in
- • Down Payment: Required at contract signing
What's Included in Financing:
- • Land can also be included in the financing package
- • Home manufacturing and delivery
- • Site preparation and foundation
- • Installation and setup
- • Utility connections
- • Permits and inspections
Note: Unlike used homes, NEW manufactured homes require construction financing or cash payment upfront, then convert to permanent financing upon completion. We'll guide you through the entire process!
Compare Your Financing Options
| Loan Type | Min Down | Min Credit | Best For | Learn More |
|---|---|---|---|---|
FHA LoansMost Popular | 3.5% | 580 | Government-backed financing with as little as 3.5% down payment | Details → |
VA Loans | 0% | 620 | $0 down payment available for qualified veterans and active duty | Details → |
USDA Rural Loans | 0% | 640 | 100% financing for eligible rural and suburban areas | Details → |
Conventional Loans | 5% | 620 | Traditional financing with flexible terms and competitive rates | Details → |
Chattel Loans | 5% | 575 | Home-only financing for manufactured homes on leased land | Details → |
Construction-to-Permanent | 5% | 640 | Single-close loan for land purchase and home construction | Details → |
Explore Each Financing Option
FHA Loans
Government-backed financing with as little as 3.5% down payment
- 3.5% down payment minimum
- 580+ credit score
- Government backed
- 30-year terms available
VA Loans
$0 down payment available for qualified veterans and active duty
- $0 down payment
- No PMI required
- Competitive rates
- Veteran benefits
USDA Rural Loans
100% financing for eligible rural and suburban areas
- 100% financing available
- Rural area eligibility
- Income limits apply
- Competitive rates
Conventional Loans
Traditional financing with flexible terms and competitive rates
- 5% down payment minimum
- Higher loan limits
- Flexible terms
- Investment properties allowed
Chattel Loans
Home-only financing for manufactured homes on leased land
- Home-only financing
- Faster approval
- For leased land
- 15-25 year terms
Construction-to-Permanent
Single-close loan for land purchase and home construction
- Land + home financing
- Single closing
- Interest-only during build
- Rate lock protection
Additional Assistance Programs
Explore special programs and assistance options that can help reduce your down payment and closing costs even further.
Down Payment Assistance
Arizona state and local programs that can help cover down payments and closing costs.
View Programs →First-Time Buyer Benefits
Special programs and reduced requirements for first-time manufactured home buyers.
Learn More →Why Southwest Homes for Your Financing?
Expert Guidance
R.J. and our team guide you through every loan option to find the best fit for your situation.
Lender Partnerships
We work with the best manufactured home lenders to secure competitive rates and terms.
Streamlined Process
From pre-qualification to closing, we coordinate with lenders to make financing smooth and fast.
Ready to Explore Your Financing Options?
Let R.J. help you find the perfect loan for your manufactured home purchase