Affordable financing options for land and home packages across Colorado
Note: We do not offer manufactured home loans for homes placed on rented lots.
Manufactured homes offer an affordable path to homeownership and with the right loan, they’re easier to finance than many people think. At Choice Mortgage Group, we offer manufactured home loans in Colorado with a variety of options, including FHA, VA, and conventional programs that support both land/home packages and homes already set on permanent foundations.
We serve buyers across Centennial, Castle Rock, Parker, Elizabeth, Colorado Springs, and rural communities throughout the state, helping them find financing that fits their budget and goals.
What qualifies as a manufactured home?
Manufactured homes are factory-built homes constructed after June 15, 1976, and built to HUD standards. They’re transported to a site and typically placed on a permanent foundation.
They’re different from modular homes (which are built in sections but follow standard building codes) and from mobile homes built before 1976.
Learn more about manufactured housing standards at HUD.gov
Loan options for manufactured homes
We offer several types of financing for manufactured homes, depending on your situation:
- FHA Loans – Low down payment, flexible credit
- VA Loans – For eligible veterans and service members
- Conventional Loans – For buyers with strong credit and land ownership
- Chattel Loans – For homes located in parks (home-only, not land) *Note we do not offer chattel loans, your home must be permanently affixed to a foundation and you must also own the land. We don't finance homes on rented lots.
You may also qualify for down payment assistance or combine the loan with land financing if the home isn’t yet placed.
Property requirements
To qualify for a manufactured home mortgage, the property typically must:
– Be a double-wide or larger
– Be built after June 15, 1976
– Be affixed to a permanent foundation
– Be classified as real property, not personal property
– Be on land that you own or are financing together with the home
We can help you confirm whether a specific property qualifies before you make an offer.
Who is a good fit for this loan?
– First-time homebuyers looking for affordable ownership
– Buyers relocating to more rural or spacious areas
– Families wanting land and home packages
– Seniors downsizing to manageable, modern housing
We’ve helped buyers across Colorado navigate manufactured home financing with confidence. Whether you’re buying a new home, placing one on land, or refinancing an existing manufactured home, we’re here to guide you every step of the way.
Call or text us at 303-670-0137, email rbaxter@choicemortgage.com, or request a quote for your manufactured home loan. Let’s find the loan that fits your lifestyle and budget.
Manufactured Home Loan FAQs
It can sometimes be more challenging to get a loan for a manufactured home compared to a site-built home in Colorado, but it's definitely possible. The primary factor is whether the home is permanently affixed to land and titled as real property. If so, financing options are similar to traditional loans. If it's considered personal property, financing can be more specialized.
For a detailed guide on manufactured home loans and navigating the process in Colorado, please read our comprehensive blog post here.
