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Idaho Manufactured Home Loans

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Idaho Manufactured Home lender

Thinking of purchasing an Idaho manufactured home?  Capital Home Mortgage Idaho is a premier manufactured home lender in Idaho with a dedicated team to help you with Idaho manufactured home loans!  Manufactured homes offer advantages over traditional housing but have significant differences that need to be understood to make the best decision.

The first step is to understand the different types of manufactured housing available and what type of financing is available for each type.  Each type of manufactured home is explained below, as well as, the difference of an Idaho Mobile Home and Idaho Mobile Home Loans.  Whether you are looking at traditional Idaho Traditional Manufactured Home Financing or Idaho Chattel Manufactured Financing we can make it happen. 

Once you decide on what type of manufactured home meets your needs, then your have to decide if an existing manufactured home or a new build is the better option.  An existing manufactured home is typically move in ready, so no waiting, not to mention everything is done so the cost of acquisition could be less.  A new build on the other hand allows you to make the decisions on style, type, location, but does require time and setup which can add cost.  Either way, Capital Home Mortgage Idaho has the knowledge to walk you through the process.  

Call today (208) 991-1303 to speak with one of our Idaho Manufactured Home Loan Specialist and to discuss Idaho Manufactured Mortgage Rates, Idaho Traditional Manufactured Home Financing and Idaho Chattel Manufactured Financing.

Idaho Manufactured Home Mortgage Loans

In Idaho, manufactured homes are typically less expensive than conventional stick-built homes, which attracts customers searching for more economical housing options. The popularity of modular homes in the state is partly due to their affordability.  In Idaho’s rural and suburban areas, where land is more easily accessible and zoning laws may be less stringent, manufactured homes are especially prevalent. These regions frequently provide the price and space that many purchasers of manufactured homes seek.

There are many different kinds of manufactured home communities in Idaho, ranging from big, professionally managed projects to smaller, family-owned parks. These communities might have clubhouses, playgrounds, and even swimming pools as amenities, giving inhabitants a sense of belonging and common areas.

Idaho homeowners who want to finance their manufactured homes have access to both conventional mortgage financing and chattel loans that are tailored to the needs of mobile homes. Purchasers ought to consider all of their options and deal with lenders who are knowledgeable about the particulars of financing manufactured houses.

In Idaho, the resale market for manufactured homes is comparable to that of conventional residences. The location, age, features, and state of the home can all affect a prefabricated home’s resale value. In order to choose a suitable listing price and marketing plan, sellers need collaborate with seasoned real estate brokers that are knowledgeable about the manufactured home industry.

In order to guarantee safety, quality, and compliance, manufactured houses in Idaho are subject to both state and federal rules and requirements. These rules offer protections to both purchasers and sellers and address a variety of topics related to the building, installation, and upkeep of manufactured homes.

All things considered, Idaho’s manufactured home real estate market provides reasonably priced housing options throughout a range of towns, especially in rural and suburban areas. Both buyers and sellers should do extensive study and consult with experts who are familiar with the particulars of prefabricated home transactions in the state.

TurnKey Manufactured Services

Capital Home Mortgage Idaho is dedicated to not only providing borrowers the most manufactured financing options, but to make the home ownership process streamlined.  As part of this effort Capital Home Mortgage has partnered with DISCOUNT MANUFACTURED HOMES to bring home buyers access to a complete line of factory direct manufactured housing options.  This direct access provides thousands is savings and combines the services necessary to install and setup your homes basic services.  Contact them direct to find out how to make your dream of a new home a reality.  Call today (405) 740-5870

Discount Manufactured Homes

TurnKey Manufactured Services

Capital Home Mortgage Idaho is dedicated to not only providing borrowers the most manufactured financing options, but to make the home ownership process streamlined.  As part of this effort Capital Home Mortgage has partnered with DISCOUNT MANUFACTURED HOMES to bring home buyers access to a complete line of factory direct manufactured housing options.  This direct access provides thousands is savings and combines the services necessary to install and setup your homes basic services.  Contact them direct to find out how to make your dream of a new home a reality.  Call today (405) 740-5870

Idaho Manufactured Homes Explained
Idaho Mobile Homes

Before 1976, mobile homes were mass-produced in response to the desire for inexpensive, movable housing, but building criteria were not regulated.  Beginning in the early 1900s, people needed to relocate to wherever work was available to support their families, and thus the mobile house was born. The design of these earliest mobile homes resembled that of a modern camper or trailer, with an exposed trailer coupler and wheels that made the house easily moveable.  Typically, the residence was constructed on steel I-beams that ran end-to-end and could be installed on concrete blocks, wooden blocks, metal supports, or a concrete foundation at the chosen site.  Although the term “mobile home” is still popular outside the federal government, HUD guidelines established June 15, 1976 have classified all mobile, factory-built housing types as manufactured.  The department details the energy, wind, and snow requirements for this type of dwelling. Financing for true Mobile Homes is problematic due to their age and no construction guidelines.  In most cases cash is the only option for these purchases.

Idaho Chattel Manufactured Home Financing

Idaho Manufactured True Home Only

Idaho Manufactured Land in Lieu

Idaho Manufactured Land Home

Idaho Manufactured Home Only

Idaho Manufactured True Home Only Loans

This loan is for purchasing or refinancing a home only and can be used for a manufactured home.  The minimum credit score for the is loan is 550 with a minimum down payment of 20% of borrowers own funds.  The lowest down payment is 5% of borrowers own funds with a minimum credit score of 575.  The maximum loan term is 25 years.

Idaho Manufactured Land in Lieu

Idaho MANUFACTURED Land in Lieu Loans

This loan is for purchasing or refinancing a home on land that is owned free and clear.  It can be used for a manufactured or modular home.  The minimum credit score for the is loan is 550 with 20% down payment being land equity.  The equity required is only 10% with a 600 plus score.  The loan term is either 20, 25 or 30 years.

Idaho Manufactured Land Home

Idaho MANUFACTURED Land Home loans

This loan is for purchasing or refinancing a home being on land that has a current lien or in combination with purchasing the land.  It can be used for both a manufactured and modular homes.  The minimum credit score for the is loan is 550 with the 20% down payment being either land equity or borrowers own funds.  The minimum down payment is 5% with a 575 or higher credit score.  The loan term is either 20, 25 or 30 years.

Idaho Existing Manufactured Home Loans

  • Purchase in a Planned Community
  • Purchase on Land / Acreage
  • Real Property or Chattel Ok
  • Variety of  Loan Programs to Choose From

Idaho OTC Manufactured Home Loans

  • Purchase the Home and Land Together
  • Include the Utilities and Home Setup
  • Lock Rate at Contract
  • Variety of Loan Programs to Choose From

Idaho Manufactured Home Financing

Manufactured Home Financing is separated into two categories:  Real Property and Chattel.  It’s important to understand the difference in real property verse chattel as this has an impact on the type of financing available and the resale ability of the home in the future.  Real property is when the home is titled and encumbered with the land.  This type of loan is eligible for all government financing and is a traditional mortgage with lower rates and lowers down payments.  Chattel means that the home is not considered real estate and is not tied to the land in any capacity.  This type of loan typically has a larger down payment, shorter terms and higher rates.  The other factors that determine what type of loan is required is the borrowers credit score, debt to income and down payment.

Idaho Chattel Manufactured Home Financing

Idaho Manufactured True Home Only

Idaho Manufactured Land in Lieu

Idaho Manufactured Land Home

Idaho Manufactured Home Only

Idaho Manufactured True Home Only Loans

This loan is for purchasing or refinancing a home only and can be used for a manufactured home.  The minimum credit score for the is loan is 550 with a minimum down payment of 20% of borrowers own funds.  The lowest down payment is 5% of borrowers own funds with a minimum credit score of 575.  The maximum loan term is 25 years.

Idaho Manufactured Land in Lieu

Idaho MANUFACTURED Land in Lieu Loans

This loan is for purchasing or refinancing a home on land that is owned free and clear.  It can be used for a manufactured or modular home.  The minimum credit score for the is loan is 550 with 20% down payment being land equity.  The equity required is only 10% with a 600 plus score.  The loan term is either 20, 25 or 30 years.

Idaho Manufactured Land Home

Idaho MANUFACTURED Land Home loans

This loan is for purchasing or refinancing a home being on land that has a current lien or in combination with purchasing the land.  It can be used for both a manufactured and modular homes.  The minimum credit score for the is loan is 550 with the 20% down payment being either land equity or borrowers own funds.  The minimum down payment is 5% with a 575 or higher credit score.  The loan term is either 20, 25 or 30 years.

Idaho TRaditional Manufactured Home Financing

Idaho FHA Manufactured loans

Idaho VA Manufactured Loans

Idaho USDA Manufactured Loans

Idaho HUD 184 Manufactured Loans

Idaho Conventional Manufactured Loans

Idaho fha Manufactured loans

Idaho FHA Manufactured Home Loans

This is a HUD loan and can be used for purchasing or refinancing an existing home or as a one time close construction loan for purchase a new home with existing or new land.   This loan requires the home to be real property and a has a maximum term of  30 years.  The minimum down payment is 3.5% with a 580 plus credit score, 10% down payment with a credit score 500-579.  The one time close construction (OTC) requires a minimum credit score of 620.

Idaho va Manufactured loans

Idaho VA Manufactured Home Loans

This is a Veterans Administration backed loan and can be used for purchasing or refinancing an existing home or as a one time close construction loan for purchase a new home with existing or new land.   This loan requires the home to be real property and a has a maximum term of  30 years.  This loan is 100% loan with no minimum down payment and a minimum credit score of 580.  The one time close construction (OTC) requires a minimum credit score of 620.

Idaho usda Manufactured loans

Idaho USDA Manufactured Home Loans

This is a Department of Agriculture backed loan and can be used for purchasing of an existing home or as a one time close construction loan for purchase a new home with existing or new land.   This loan requires the home to be real property and a has a maximum term of  30 years.  This loan is 100% loan with no minimum down payment and a minimum credit score of 640. This loan is subject to income limits and geographical location.  Manufactured homes must be new.

Idaho native american Manufactured loans

Idaho Native American MANUFACTURED Home Loans

This is also a HUD loan and can be used for purchasing or refinancing an existing home or as a one time close construction loan for purchase a new home with existing or new land.   This loan requires the home to be real property and a has a maximum term of  30 years.  The minimum down payment is 2.25% and does not have a minimum credit score requirement, but does require one of the borrower to a registered Native American with a nationally recognized tribe.  The one time close construction (OTC) requires a minimum credit score of 620.

Idaho Conventional Manufactured Loans

Idaho Conventional Manufactured Home Loans

This is Fannie Mae / Freddie Mac backed loan and can be used for purchasing or refinancing an existing home . The minimum down payment is typically 5% and the credit score for an existing home is 620.  For the OTC the loan requires the home to be real property and a has a maximum term of  30 years.  The minimum down payment is 5% and has a minimum credit score requirement of 700.

Why Idaho HomeBuyers Are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Idaho Manufactured Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Idaho Mortgage Company Reviews

Idaho Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Idaho Mortgage Programs

Idaho Home Purchase loans

Looking to Purchase an Idaho Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Idaho Renovation Home Loans

Looking to Rehab an Idaho Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Idaho FHA Home loans

Great 1st Time Idaho Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Idaho va Home Loans

100% Financing for Idaho Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Idaho Conventional Home loans

Flexibility for Idaho Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Idaho Jumbo Home Loans

Idaho Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Idaho USDA Home loans

100% Idaho Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Idaho Native american Home Loans

Idaho Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Idaho Manufactured Home loans

Great Alternative Idaho Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Idaho Reverse Mortgage Loans

Your Idaho Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Idaho Non QM Home loans

Making Idaho Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Idaho One Time Close Home Loans

Build Your Idaho Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Idaho Refinance Mortgage loans

Idaho Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Idaho Cashout Mortgage Loans

Idaho Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Idaho Cities

Boise Home Loans

Meridian Home Loans

Nampa Home Loans

Caldwell Home Loans

Idaho Falls Home Loans

Pocatello Home Loans

Coeur d'Alene Home Loans

Twin Falls Home Loans

Post Falls Home Loans

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