A Home Built for What’s Next
Manufactured Home Loans
Tri-CU offers financing for qualifying manufactured homes, including homes on owned land and homes in manufactured-home communities.
Yes. Manufactured homes are an important part of our local housing market, and Tri-CU offers financing for qualifying manufactured homes.
Yes. Tri-CU may be able to finance a qualifying manufactured home located on rented land, including homes in manufactured home communities.
Yes. Financing may also be available when you own the land or are purchasing the manufactured home and land together.
Don’t assume it won’t qualify. Manufactured homes can have unique circumstances, and our local lending team is happy to look at the home and help you understand what financing options may be available.
Yes. Manufactured home financing can be different from a traditional mortgage. Talking with us early gives you a chance to ask questions, understand your options, and move forward with more confidence.
Yes. Tri-CU finances qualifying manufactured homes, including homes located on owned land and homes located on rented land.
No. Tri-CU can finance qualifying manufactured homes located on rented land, including homes in manufactured-home communities.
When the home and land are being financed together as real property, different title and property requirements apply.
The manufactured home must generally be newer than 1980 to qualify for Tri-CU financing.
When the manufactured home is being financed as real property, the title must be eliminated so the home can be considered part of the real estate.
Yes. Tri-CU will consider qualifying manufactured homes that have previously been moved, including twice-moved homes.
Yes. Manufactured home loans have an interest rate 1% higher than the applicable Tri-CU home loan rate. Your final rate also depends on your credit qualifications, loan term, and other underwriting factors.
Still have questions? Contact TRI-CU and we’ll help you find the right option.
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