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Your complete guide to VA loans for mobile homes

Finding a way to afford a home can be tough. Believe me — I’ve been through the ringer. 

If you’re struggling to afford a home and qualify, VA loans offer unique benefits for veterans and service members. This guide will explain how you can use VA loans for mobile homes, making your dream of homeownership more achievable.

Let’s dive in!

Key Takeaways

  • VA loans for mobile homes don’t require a down payment, making it easier for veterans and active-duty service members to own a home without the need to save up for years.
  • With VA loans, buyers enjoy low interest rates and avoid paying private mortgage insurance (PMI), which can lead to substantial savings.
  • Mobile homes, including manufactured and modular types, qualify for VA loans as long as they meet specific HUD standards and are placed on a permanent foundation.
  • To buy a mobile home with a VA loan, one must have an acceptable credit score, meet debt-to-income ratio requirements, pay the VA funding fee unless exempt, and secure a Certificate of Eligibility (COE).
  • Buyers using VA loans have the option to purchase just the mobile home itself or both the home and the land it sits on, providing flexibility based on individual needs and financial situations.

What is a VA loan?

A VA loan is a home buying tool guaranteed by the U.S. Department of Veterans Affairs, created specifically for veterans, active-duty service members, and certain members of the National Guard and Reserves, along with surviving spouses of those who have served.

This unique program provides financial backing to lenders offering loans to eligible military borrowers under more favorable terms.

With this support, lenders can offer no down payment options and more competitive interest rates without requiring private mortgage insurance (PMI), making it significantly easier for qualifying applicants to purchase or refinance homes.

These benefits highlight the VA’s commitment to assist those who have served in achieving their dreams of homeownership.

Benefits of VA loan

VA loans offer several advantages such as eliminating the need for a down payment, offering lower interest rates, and removing the requirement for private mortgage insurance. These benefits can make home ownership more accessible, especially for first-time buyers or those with limited funds.

No down payment

One of the standout benefits of VA loans for prospective homebuyers is the option to purchase a mobile home without needing a down payment. This feature opens doors for many who might not have substantial savings ready for upfront costs.

You can secure your dream mobile home and move in faster because you don’t have to spend years saving for a large down payment.

Securing a loan without the need for a down payment also means you can allocate more of your budget toward customizing your new home or investing in other financial priorities. This advantage makes homeownership much more accessible — particularly for veterans and active-duty service members looking to settle into a new place without the financial strain that comes with traditional mortgage requirements.

Low interest rates

Low interest rates make VA loans incredibly attractive to prospective homebuyers. These competitive rates can lead to significant savings over the life of your loan, allowing you more financial freedom each month.

They reduce the overall cost of borrowing, making it cheaper for you to finance a mobile home.

No private mortgage insurance

When you opt for a VA loan to finance your mobile home, you won’t have to worry about paying private mortgage insurance (PMI). This means you can save money by avoiding the extra monthly cost that many conventional loans require when a down payment is less than 20%.

With a VA loan for your mobile home, you can enjoy the peace of mind of knowing that your monthly payments will go directly toward building equity in your new home without any additional PMI expenses.

Can you use VA loans for mobile homes?

Yes, VA loans can be used for mobile homes, including manufactured and modular homes. Learn how to navigate the guidelines and requirements to use a VA loan for your dream mobile home.

Manufactured homes and modular homes

Manufactured homes and modular homes both fall under the umbrella of mobile homes eligible for VA loans. These types of homes are built off-site in a factory and then transported to their final location.

Manufactured homes are constructed to meet federal codes set by the Department of Housing and Urban Development (HUD), while modular homes are built to the same local building codes as traditional stick-built homes.

Understanding the distinction is important when considering using a VA loan for these housing options, ensuring that your chosen home meets all necessary requirements.

How to use VA loans for mobile homes

To use VA loans for mobile homes, you can either buy a mobile home and park it on land you own or purchase the mobile home with the land. This allows flexibility in choosing the best option for your housing needs and financial situation.

Buy a mobile home and park it on land you own

When purchasing a mobile home through a VA loan, you can buy a mobile home and park it on land that you own. This option provides flexibility in choosing the location for your mobile home and gives you more control over where you want to live. Additionally, it allows you to customize the surroundings of your mobile home according to your preferences. 

Here are some key points to consider when buying a mobile home and parking it on your owned land:

  • You have the freedom to select the right piece of land that suits your lifestyle.
  • You can choose a location that offers the amenities and community features that matter most to you.
  • You can personalize your outdoor space with landscaping, gardens, and other outdoor improvements.
  • Owning the land can also potentially increase property value over time.

Keep in mind that while this option offers great flexibility, it’s essential to ensure that the chosen piece of land complies with local zoning regulations for placing a mobile home. 

At the same time, it’s advisable to work with experienced real estate professionals who can guide you through this process and help identify suitable land for your new mobile home.

Purchase mobile home and the land

So, you’re considering the option to buy a mobile home and the land it sits on. Nice! Here’s how you can use a VA loan for this purpose:

  1. To utilize a VA loan for purchasing a mobile home and the land it occupies, ensure that the mobile home meets all VA and HUD standards.
  2. Choose a lender experienced in VA loans for purchasing both the mobile home and its land.
  3. Be prepared to meet the higher credit score minimum required for this type of purchase.
  4. Ensure that the mobile home is affixed to a permanent foundation as per VA guidelines.
  5. The property must meet minimum square footage requirements as per VA guidelines.
  6. Prepare for a potentially higher down payment compared to traditional home purchases.
  7. Familiarize yourself with the complexities of using a VA loan for this type of purchase, and consult with experts if needed.
  8. Understand that navigating through the process of using a VA loan for buying both a mobile home and its land may require meticulous attention to detail.
  9. Allocate additional time to understand the intricacies associated with using a VA loan tailored towards this specific type of purchase.

VA manufactured home guidelines

VA manufactured home guidelines ensure that the mobile homes meet HUD standards and adhere to specific square footage requirements, as well as having a permanent foundation. These guidelines are designed to enhance the quality and longevity of VA-approved manufactured homes.

HUD standards

VA loans for mobile homes must adhere to HUD standards, ensuring that the home meets specific construction and safety criteria. These standards are in place to guarantee that the manufactured or modular home is structurally sound and complies with energy efficiency requirements.

By adhering to these regulations, you can have confidence in the quality and durability of your mobile home, providing peace of mind for you and your family as you embark on this exciting homeownership journey.

Square footage

Manufactured homes financed through VA loans must meet certain square footage requirements. The minimum size varies depending on the number of bedrooms in the home. For example, a one-bedroom unit must have at least 600 square feet, while a four-bedroom unit needs to be at least 1,100 square feet.

It’s crucial to ensure that the mobile home meets these standards before proceeding with the VA loan application process.

The specific size and structure regulations are in place to guarantee that manufactured homes offer adequate living space for their occupants. Meeting these guidelines is essential for qualifying for a VA loan and ensuring that you’re purchasing a compliant home.

Permanent foundation

VA loans for mobile homes require that the home be placed on a permanent foundation. A permanent foundation ensures the structural integrity and stability of your mobile home. This provides assurance to the lender that the property is secure and meets safety standards, giving you peace of mind as a homeowner.

The VA has specific requirements for what constitutes a permanent foundation, including features such as anchoring systems and frost line protection. It’s important to work with a qualified contractor who is familiar with these guidelines to ensure your mobile home meets all necessary criteria.

How to qualify for a VA loan for a mobile home

Qualifying for a VA loan for a mobile home requires a higher down payment, a higher credit score minimum, and a lower debt-to-income ratio, along with paying the VA funding fee and obtaining your Certificate of Eligibility.

To understand these requirements better, delve into the details of how to qualify by reading more in our comprehensive guide.

Higher down payment

Qualifying for a VA loan to finance a mobile home often requires a higher down payment. This means you’ll need to have more money on hand upfront when purchasing your mobile home. But at the same time,  it can also help lower your overall loan balance and monthly payments.

Keep in mind that the specific amount for the down payment can vary based on factors such as your credit score and lender requirements.

Higher credit score minimum

To qualify for a VA loan for a mobile home, you need to meet a higher credit score minimum. This means maintaining a solid credit history and managing your debts responsibly is crucial.

Lenders typically look for a credit score of at least 620 when considering VA loans for mobile homes, so it’s essential to focus on keeping your credit in good standing.

Having an excellent or good credit score not only increases your chances of securing the loan but also helps you access better interest rates and terms. Maintaining responsible financial habits, such as paying bills on time and keeping credit card balances low, can help improve your credit score over time.

Lower debt-to-income ratio

When applying for a VA loan for a mobile home, your debt-to-income ratio plays a crucial role in the approval process. Lenders assess your ability to manage monthly payments by comparing your income to existing debts.

Maintaining a low debt-to-income ratio positions you favorably for securing a VA loan. This means keeping your recurring debts as low as possible in relation to your income. By doing so, you increase the likelihood of meeting the qualification requirements and obtaining favorable terms on your VA loan application.

VA funding fee

When using a VA loan for a mobile home, you may encounter the VA funding fee. This one-time fee is required by the Department of Veterans Affairs to help offset the cost of the loan program to taxpayers.

The amount of the funding fee varies based on factors such as your down payment amount and whether it’s your first time or subsequent use of a VA loan. It’s important to factor in this fee when considering your overall budget for purchasing a mobile home through a VA loan, but remember that veterans receiving disability compensation are typically exempt from paying this fee.

Certificate of Eligibility

To qualify for a VA loan, you’ll need to apply for a Certificate of Eligibility (COE). This certificate verifies your military service and ensures that you meet the requirements for a VA loan.

You can obtain your COE online through the eBenefits portal, or your lender can assist you in securing this essential document. It’s crucial to have your COE in hand when applying for a VA loan as it serves as proof of your eligibility to access the benefits associated with these loans.

Should I get a VA loan for a mobile home?

Are you thinking about taking advantage of the benefits and flexibility of VA loans for manufactured homes? If so, you need to explore your options for purchasing a mobile home, owning land, and parking it on your property once and for all.

Meeting the guidelines and requirements may prove straightforward as long as you clearly understand what’s expected in terms of eligibility. 

Either way, you’re best off partnering with a mortgage expert who can walk you through the process and help you secure financing. Take my word for it: Working with a mortgage professional is one of the smartest things you can do on your journey to homeownership.


1. Can I use a VA loan to buy a mobile home?

Yes, you can use a VA loan to buy a mobile home and the land it will sit on.

2. What are the requirements for getting a VA loan for a mobile home?

To qualify for a VA loan for a mobile home, you need to meet credit score guidelines, prove stable income, and ensure the mobile home meets specific safety standards.

3. Do I need to find my own land before applying for a VA loan for a mobile home?

No, you do not need to own land beforehand; you can include the purchase of land in your VA loan application.

4. How long does it take to process a VA loan for buying a mobile home?

The processing time varies but generally takes several weeks from application submission to closing.

5. Are there any additional fees when using a VA loan for purchasing a mobile home?

Yes, there may be additional fees such as funding fees or appraisal fees when using a VA loan for purchasing a mobile home.

To get a better idea of what fees you can expect when using a VA loan for a mobile home, connect with one of our reputable mortgage experts today. As a veteran, you may qualify to save up to $2,198* on a home purchase! Act now to find out more.


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