Affordable Financing Designed to Fit Your Lifestyle and Budget
Buying a manufactured home can be one of the most practical ways to achieve homeownership—especially when traditional housing costs feel out of reach. PremierOne Credit Union’s Manufactured Home Loan offers flexible financing for new or pre-owned manufactured homes, backed by an experienced lending team that understands what makes this loan unique. Get confidence at every step with quick decisions, flexible terms, and clear options built around your budget and timeline. Our loan offers:
- Loan terms up to 25 years
- Loan amounts up to $800,000
- Same-day pre-approval
- Rates as low as 8.45% APR²
- Low down payment options
- New and pre-owned loans available
- No annual fees and no pre-payment penalties
Why Manufactured Home Loans are a Smart Option in Today’s Housing Market
When home prices and monthly payments make traditional housing feel out of reach, manufactured homes can offer a more attainable path—without giving up comfort, space, or stability. Manufactured home loans are designed around the realities of factory-built housing, which can differ from site-built homes in how they’re titled, installed, and financed.
More attainable monthly payments
Manufactured homes are often a more budget-friendly alternative to traditional single-family homes, making homeownership more achievable.
Flexible property situations
Manufactured home financing can support a variety of ownership setups, including homes located in manufactured home communities.
Options for different stages of life
Whether you’re purchasing your first home, downsizing, or looking for a long-term solution, manufactured homes provide flexibility for a wide range of lifestyles.
Fast pre-approval when you need it
Same-day pre-approval options can help you move quickly when you’re ready to purchase.
Why Choose PremierOne Credit Union as Your Loan Provider
Choosing a manufactured home loan isn’t just about finding the right rates. It’s about working with a lender who understands the unique details that come with this type of financing. When you choose to work with PremierOne Credit Union as your loan provider, you're getting all of our experience and numerous additional benefits, including:
Owning a Home for Less
Manufactured homes can provide a significantly lower monthly payment than many traditional homes, helping you become a homeowner sooner and keep more room in your budget.
Built for manufactured home buyers
PremierOne Credit Union offers a financing option specifically designed for manufactured homes, helping simplify what can otherwise be a complex process.
Flexible terms and loan amounts
With terms up to 25 years and loan amounts up to $800,000, you can structure your loan to fit your financial goals.
Fast, responsive service
From same-day pre-approval to a knowledgeable lending team, the process is designed to be straightforward and efficient.
Manufactured Home Loan FAQs
What is a manufactured home loan?
A manufactured home loan is financing specifically designed for the purchase of a manufactured home, which may be titled differently from a traditional home. PremierOne’s program supports HUD-approved manufactured homes and can be used when the home is classified as personal property (not attached to real estate), including many homes in manufactured home communities.
Can I finance a manufactured home on leased land?
Yes. This program is intended to help finance manufactured homes that are owner‑occupied and located on leased land, which is a common setup in manufactured home communities.
Does the home have to be HUD-approved?
Yes. The program is designed for HUD-approved, HUD-labeled manufactured homes, which meet federal manufactured housing standards.
Can I use this loan for a new or pre-owned manufactured home?
Yes. PremierOne Credit Union offers financing options for both new and pre-owned manufactured homes, so you can choose what fits your budget and timeline.
What will the terms of my loan be?
Loan terms are available up to 25 years, depending on credit and program eligibility.
How much can I borrow for a manufactured home?
Loan amounts are available up to $800,000. Loan amounts are based on credit approval, eligibility, and the specifics of the home you’re financing.
How fast can I get pre-approved?
PremierOne Credit Union offers same-day pre-approval options so you can shop with more confidence and move quickly when you find the right home. Get started by completing our online application.
What down payment do I need for a manufactured home loan?
PremierOne Credit Union offers low-down-payment options, and the required amount depends on your credit profile and the home details. A loan specialist can walk you through the best-fit option for your situation.
What interest rates are available for manufactured home loans?
Rates may be available as low as 8.45% APR*, depending on creditworthiness, loan structure, and current pricing. Rates can change, so it’s smart to request a quote or pre-approval when you’re ready to shop.
Are there prepayment penalties or annual fees?
No. PremierOne Credit Union’s Manufactured Home Loans have no annual fees and no pre-payment penalties, so you can pay off your loan sooner without extra charges.
Do I need to be a PremierOne Credit Union member to apply?
Yes. Membership is required, and eligibility is typically based on living, working, worshiping, or studying in eligible counties.
Which counties are eligible for PremierOne Credit Union membership?
Eligible counties include Santa Clara, Santa Cruz, Monterey, San Benito, Alameda, San Mateo, Merced, San Joaquin, and Stanislaus.
Manufactured Home Loan Rates
|
Minimum Loan Amount |
Approximate Term |
As low as APR* |
|
|---|---|---|---|
|
Manufactured Home Loan* $25,000 Minimum; $800,000 Maximum |
$25,000 |
10 - 25 years |
8.45% |
*All loans are subject to credit approval and program eligibility. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify for the lowest advertised rate. Maximum loan amounts and loan-to-value (LTV) ratios are based on credit tier and underwriting guidelines. Membership eligibility required. Applicants must live, work, worship, or study in eligible counties and become members of PremierOne Credit Union. Additional restrictions may apply.