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, also known as mobile 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.
Wheelhouse also has manufactured home loans for properties that are permanently affixed to the land. Please click here to learn more.
Manufactured Home Loans (2011 and Newer)
| Terms | Maximum Loan Amount | APR* as low as | Estimated Monthly Payment per $1,000 | Discounted APR*1 As low as | Estimated Discounted Monthly Payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 mos | $700,000 | 5.74% | $17.70 | 5.24% | $17.47 |
| 67 - 96 mos | $700,000 | 6.24% | $13.26 | 5.74% | $13.02 |
| 97 - 144 mos | $700,000 | 6.74% | $10.15 | 6.24% | $9.88 |
| 145 - 180 mos | $700,000 | 7.24% | $9.12 | 6.74% | $8.84 |
| 181 - 240 mos | $700,000 | 7.49% | $8.05 | 6.99% | $7.75 |
*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 August 1, 2026 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.
To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.
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.
More Home Loan Options
Explore home loan options built for every stage of homeownership, from buying your first home to accessing your home’s equity.
From fixed and adjustable-rate mortgages to jumbo and conventional loans, Wheelhouse offers competitive rates, personalized guidance, and financing options designed to help you achieve your homeownership goals.
Federal Housing Administration and Veteran Affairs loans are designed to expand homeownership opportunities by providing accessible financing for first-time buyers and eligible veterans.
A reverse mortgage allows homeowners age 62 and older to convert a portion of their home equity into tax-free funds while continuing to live in their home.
Manufactured Home Loans (1976 - 2010)
| Terms | Maximum Loan Amount | APR* as low as | Estimated Monthly Payment per $1,000 | Discounted APR*1 As low as | Estimated Discounted Monthly Payment per $1,000 |
|---|---|---|---|---|---|
| Up to 66 mos | $700,000 | 7.24% | $18.41 | 6.74% | $18.17 |
| 67 - 96 mos | $700,000 | 7.74% | $14.00 | 7.24% | $13.75 |
| 97 - 144 mos | $700,000 | 8.24% | $10.96 | 7.74% | $10.68 |
| 145 - 180 mos | $700,000 | 8.74% | $9.99 | 8.24% | $9.70 |
| 181 - 240 mos | $700,000 | 8.99% | $8.99 | 8.49% | $8.67 |
*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 August 1, 2026 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.
To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.
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.
Mortgage Resource Center
Wheelhouse Credit Union has been serving the needs of San Diegans since 1934 – we are San Diego Made® and proud. We are best known for our commitment to helping both our Members and our beautiful city thrive and look forward to assisting you in finding the perfect home loan to achieve your goals.
Need help? We’re here in San Diego.
Multiple ways to connect with us, whenever you need support.
Call Us
Speak with a member service representative
619-297-4835Mon-Fri: 8am-5pm
Sat: 9am-2pm
Contact Us
Reach out and a team member will follow up
Disclosures
All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. Refinancing an existing loan may cause the total finance charges to be higher over the life of the loan. This is not a commitment to lend. Additional restrictions may apply. Membership is required. Wheelhouse Credit Union, 9212 Balboa Avenue, San Diego, CA 92123 | NMLS ID: 791892 | Equal Housing Opportunity.