Manufactured Home Loans
Your Home.
Your Terms.
Your Budget
Learn how manufactured home loans can make high-quality living more accessible at a fraction of the cost.
Affordable Homeownership Starts Here
Manufactured homes offer numerous advantages over traditional site-built housing, including affordability, flexibility, and quicker move-in times. Wheelhouse offers specialized financing for manufactured homes, offering expert guidance, competitive rates, and tailored loan solutions for both new builds and existing homes. As experts in chattel (manufactured home loans not permanently affixed to land) financing, our team is committed to helping you navigate every step of the home-buying process with confidence.
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Loans designed specifically when the home is not permanently affixed to the land.
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Faster, less complex, and fewer closing costs when compared to traditional real estate mortgages.
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More affordable than traditional site-built homes, costing half as much per square foot.
Wheelhouse also has manufactured home loans for properties that are permanently affixed to the land. Please click here to learn more.
Top 4 Things to Consider When Financing a Manufactured Home
Manufactured homes offer an affordable path to homeownership, but financing them isn't always as straightforward as it is with traditional site-built homes. Whether you're looking to buy a single-wide in a quiet community or a double-wide on private land, understanding the nuances of financing can save you time, money, and stress. Here are the top five things to consider when seeking financing for a manufactured home.
How to Know If You’re Getting a Good Interest Rate on a Manufactured Home Loan
Thinking about financing a manufactured home in San Diego? Don’t sign anything until you know if you're getting a fair interest rate.
In our latest blog, we break down what rates to expect, how to compare offers, and the red flags to watch for—especially if your home is in a park or on leased land.
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Terms |
Maximum Loan Amount |
APR* |
Estimated Monthly Payment |
Discounted APR*1 |
Estimated Discounted Monthly Payment |
|---|---|---|---|---|---|
|
*APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective June 1, 2025 and are subject to change without notice. 1 Discounted Rates stated include discounts for purchasing Debt Protection Plan ancillary product, and setting up loan auto-pay using your Inspired or Inspired Plus Checking Account. To qualify for a discounted rate of 0.25%, you must purchase Debt Protection Plan ancillary products. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. |
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Terms Up to 66 mos |
Maximum Loan Amount $700,000 |
APR* 7.24% |
Estimated Monthly Payment $18.41 |
Discounted APR*1 6.74% |
Estimated Discounted Monthly Payment $18.17 |
|
Terms 67 - 96 mos |
Maximum Loan Amount $700,000 |
APR* 7.74% |
Estimated Monthly Payment $14.00 |
Discounted APR*1 7.24% |
Estimated Discounted Monthly Payment $13.75 |
|
Terms 97 - 144 mos |
Maximum Loan Amount $700,000 |
APR* 8.24% |
Estimated Monthly Payment $10.96 |
Discounted APR*1 7.74% |
Estimated Discounted Monthly Payment $10.68 |
|
Terms 145 - 180 mos |
Maximum Loan Amount $700,000 |
APR* 8.74% |
Estimated Monthly Payment $9.99 |
Discounted APR*1 8.24% |
Estimated Discounted Monthly Payment $9.70 |
|
Terms 181 - 240 mos |
Maximum Loan Amount $700,000 |
APR* 8.99% |
Estimated Monthly Payment $8.99 |
Discounted APR*1 8.49% |
Estimated Discounted Monthly Payment $8.67 |
|
Terms |
Maximum Loan Amount |
APR* |
Estimated Monthly Payment |
Discounted APR*1 |
Estimated Discounted Monthly Payment |
|---|---|---|---|---|---|
|
*APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective June 1, 2025 and are subject to change without notice. 1 Discounted Rates stated include discounts for purchasing Debt Protection Plan ancillary product, and setting up loan auto-pay using your Inspired or Inspired Plus Checking Account. To qualify for a discounted rate of 0.25%, you must purchase Debt Protection Plan ancillary products. Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. |
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Terms Up to 66 mos |
Maximum Loan Amount $700,000 |
APR* 8.24% |
Estimated Monthly Payment $18.89 |
Discounted APR*1 7.49% |
Estimated Discounted Monthly Payment $18.53 |
|
Terms 67 - 96 mos |
Maximum Loan Amount $700,000 |
APR* 8.74% |
Estimated Monthly Payment $14.52 |
Discounted APR*1 7.99% |
Estimated Discounted Monthly Payment $14.13 |
|
Terms 97 - 144 mos |
Maximum Loan Amount $700,000 |
APR* 9.24% |
Estimated Monthly Payment $11.52 |
Discounted APR*1 8.49% |
Estimated Discounted Monthly Payment $11.09 |
|
Terms 145 - 180 mos |
Maximum Loan Amount $700,000 |
APR* 9.74% |
Estimated Monthly Payment $10.59 |
Discounted APR*1 8.99% |
Estimated Discounted Monthly Payment $10.14 |
|
Terms 181 - 240 mos |
Maximum Loan Amount $700,000 |
APR* 9.99% |
Estimated Monthly Payment $9.64 |
Discounted APR*1 9.24% |
Estimated Discounted Monthly Payment $9.15 |