Manufactured & Mobile Home Loans
in New Hampshire
Two ways to finance a factory-built home, and we do both. Standard FHA, VA, USDA, and conventional mortgages when the home qualifies, plus specialty home-only financing for the homes that agency programs will not touch.
NMLS #1621958 · Licensed in NH, MA, ME, FL & RI · Offices in Nashua & Plaistow, NH and Chelmsford, MA
Most banks have one answer. We have two.
Most banks have one answer. We have two.
Manufactured homes get declined more than any other property type in southern New Hampshire, and it is almost never the borrower's fault. The lender only writes agency loans, and agency loans come with a fixed list of property conditions. As a licensed broker we are not tied to one set of guidelines.
Agency financing
When the home meets FHA, VA, USDA or conventional guidelines.
Specialty financing
For park homes, leased land, older homes, missing HUD labels and non-permanent foundations.
Not sure?
We check both options and tell you which one fits.
Choose the Financing That Fits Your Home
Neither one is the fallback. They serve different homes, and we write both under the same roof.
Chattel & Home-Only Financing
Secured by the home rather than the land, which is what makes park, co-op, leased land, and older homes possible.
- Any year built, including before 1976
- No HUD certification label needed
- Block and post foundations accepted
- Parks, co-ops, leased land, or land you own
- No minimum credit score, DTI up to 65%
- 8 to 30 year terms, 0% to 20% down, no monthly MI
- Primary, second home, or investment
- Available in New Hampshire and Florida
FHA, VA, USDA & Conventional
Standard mortgage financing for homes that are permanently affixed and titled together with land you own.
- Standard mortgage rates and 8 to 30 year terms
- FHA from a 500 credit score, DTI to 56%
- Conventional DTI to 50%, no set score minimum
- VA with no DTI cap and zero down for eligible veterans
- 3.5% down on FHA, from 3% on conventional
- Conventional for primary, second home, or investment
- Home built after June 15, 1976 with a HUD label
- Permanent foundation, home titled with the land
Find Your Situation, Find Your Loan
Six of the most common scenarios we see in southern New Hampshire, and where each one usually lands.
Not Sure Which One Fits?
Tell us the year, location and property type. We will help identify the likely financing path, usually in one short conversation.
Check My Financing Options →Every Kind of Factory-Built Home
Financeable on the specialty program regardless of age, including in parks and co-ops.
Eligible on both paths. Which one fits depends on the foundation and the land.
In scope on the specialty program, where most conventional lenders will not go at all.
Built to state building code rather than HUD code, so these finance like a site-built home.
Local Expertise, Multi-State Lending
Most of the manufactured and mobile homes we finance sit in Hillsborough, Rockingham, and Strafford counties, where the parks, the co-ops, and the older inventory are. We are licensed in five states, so the same file can be placed wherever the property happens to be.
SPECIALTY HOME-ONLY FINANCING
New Hampshire and Florida. Land-lease parks, resident-owned co-ops, and homes of any age.
AGENCY FINANCING
New Hampshire, Massachusetts, Maine, Florida, and Rhode Island, on homes titled with land you own.
SPECIALTY HOME-ONLY FINANCING
Nashua and Plaistow, New Hampshire, plus Chelmsford, Massachusetts.
We also lend in northern and rural New Hampshire and across the Merrimack Valley towns near our Chelmsford office. If your home is outside these counties, call and ask.
A Broker Who Knows These Homes
Manufactured housing is not an exception we make, it is one of the things we do best. Licensed in five states under NMLS #1621958, with first-hand knowledge of the parks and co-ops across Hillsborough, Rockingham, and Strafford.
Both Programs, One Call
Agency and specialty financing side by side. We price the file both ways and place it where the terms are better for you.
Declined Files Welcome
A no from a bank usually means the home fell outside agency rules, not that it cannot be financed. Send it to us anyway.
Fast Pre-Approvals
Most pre-approvals go out within 24 to 48 hours of receiving your documents, which matters when a listing draws multiple offers.
One Loan Officer Throughout
The same licensed loan officer from the first call through closing. No call center and no handoffs.
Client Testimonials
Don't just take our word for it. Hear from the families we've helped
secure their dream homes.
Get a personalized fixed-rate quote
in one business day.
Tell us about your scenario. A real loan officer will respond with rate options
and next steps — no auto-replies, no obligation, no spam.
Manufactured Home Financing FAQ
What is the difference between a manufactured home, a mobile home, and a modular home?
Manufactured and mobile refer to the same type of home, built in a factory on a permanent chassis. Mobile is the older term, generally used for homes built before the federal HUD code took effect in 1976. Modular homes are different: they are built in sections to state and local building code, then assembled on site, and they finance essentially like a site-built house.
Will I qualify for a regular mortgage or will I need the specialty program?
It comes down to three things: the age of the home, how it sits on the ground, and whether the land is yours. A newer home on a permanent foundation with owned land is usually an agency file. An older home, one on block and post, or one on leased land goes to the specialty program. We check both before recommending anything.
Can you finance a home in a mobile home park or a co-op?
Yes, through home-only financing that is secured by the home rather than the land. We write these in New Hampshire, where most of our park and co-op volume sits, and in Florida as well. This is the situation agency loans cannot serve at all, and it is one of the main reasons buyers in these communities come to us.
Which states do you lend in?
We are licensed in New Hampshire, Massachusetts, Maine, Florida, and Rhode Island, with offices in Nashua and Plaistow, New Hampshire and Chelmsford, Massachusetts. Agency financing on manufactured and modular homes is available in all five states. Home-only chattel financing is available in New Hampshire and Florida.
Is it harder to get financing on a manufactured home?
It is harder to find a lender, not harder to qualify. Many banks and credit unions simply do not offer these loans, so buyers interpret a no as a credit problem when it is really a product problem. Working with a broker who writes both program types removes most of that friction
How long does it take to close?
Most files close in roughly 30 to 45 days from application, with pre-approval typically issued in 24 to 48 hours once we have your documents. Timelines stretch when a valuation, a park approval, or a title issue takes longer than expected, and we will flag those risks early rather than at the end.
What do I need to get started?
To start, just the basics about the home: year built, size, whether it is in a park or on land, and roughly what you are paying. For a full pre-approval we will ask for recent pay stubs or income documentation, bank statements, and identification. Self-employed borrowers have their own options and we will walk you through those separately.
Can I refinance a manufactured home I already own?
Yes, on either path. If the home meets agency standards you may be able to move into a standard mortgage. If it does not, the specialty program can still refinance it, including homes without a HUD label or a permanent foundation. Either way the goal is a lower payment or better terms than a dealer-arranged loan.
Do you charge an origination fee?
We typically do not charge a direct origination fee on these loans. Third-party costs such as title, recording, and any required valuation still apply, and you will see every line of it on your loan estimate before you commit to anything.
Tell Us About the Home. We Will Find the Loan.
Free consultation, no obligation, and no hard credit pull until you are ready to apply. Fill in the form and we will tell you which program fits and what it will take.
Tell Us About the Home. We Will Find the Loan.
Free consultation, no obligation, and no hard credit pull until you are ready to apply. Fill in the form and we will tell you which program fits and what it will take.
Program parameters shown on this page are general guidelines and are subject to full underwriting, lender approval, property review, and program availability at the time of application. Maximum debt-to-income ratios, minimum down payments, and occupancy options vary by program, by property type, and by borrower qualification, and not every borrower will qualify at the figures shown. This page is not a commitment to lend and does not constitute an offer of credit. NextGen Mortgage Loans is a licensed mortgage broker, NMLS #1621958, licensed in New Hampshire, Massachusetts, Maine, Florida, and Rhode Island. Equal Housing Opportunity.
MLO License Info: NMLS #1621958, NH Broker license #1621958MBRR, and MA Broker license #MB1621958, ME Broker License #1621958, FL Broker License #MBR4542, RI Broker License #20265029LB
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