A Real Mortgage For A Manufactured Home.
financing for multi-width manufactured homes on a primary residence, up to conforming loan limits.
Agency financing, not a chattel loan.
However the home was built, there’s likely a path that fits.
- Financing up to $832,750
- Multi-width manufactured homes
- Manufactured home buyers and owners
- Purchase or refinance your primary residence
- Purchase, limited cash-out, and cash-out refinance available
- Fixed and adjustable rate options
Financing up to $832,750
Multi-width manufactured homes
Primary residence financing
Home must be titled as real property on a permanent foundation
Purchase, limited cash-out, or cash-out refinance
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Manufactured Home Loan?
financing for manufactured housing on a permanent foundation
The Saxton Manufactured Home Loan is agency financing for multi-width manufactured homes titled as real property on a permanent foundation, for a primary residence.
Loan amounts follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties. The home must be a multi-width unit. Single-width homes, two to four unit properties, and accessory units are not eligible on this program.
Use it to purchase a manufactured home, refinance your current mortgage, or take cash out of your equity, on a primary residence.
Why choose the Saxton Manufactured Home Loan?
Built for buyers of manufactured homes titled as real property.
First Home Buyers
Manufactured housing is often the most attainable route into ownership.
Rural Buyers
Financing for homes outside dense suburban markets.
Downsizing Owners
Move into a manageable home without giving up real property ownership.
Land And Home Purchase
Finance the home and the land it sits on together.
Equity In Your Home
Access equity in a manufactured home you already own.
Real Property, Not Chattel
The home has to sit on a permanent foundation and be titled as real property rather than as a vehicle.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about financing a manufactured home.
Yes. This is agency financing secured by real property, not a personal property or chattel loan. The home must be titled as real property on a permanent foundation.
Multi-width manufactured homes titled as real property on a permanent foundation.
No. Single-width homes are not eligible on this program. Saxton has separate government-backed programs that may fit.
No. This program is limited to a primary residence.
Loan amounts follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties.
Yes. The financing covers the home and the land it sits on as a single real property transaction.
Yes. Limited cash-out and cash-out refinance transactions are available on a primary residence.
Find out what you qualify for
Whether you’re buying a manufactured home or refinancing the one you own, there’s likely a Saxton Manufactured Home Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.