Capital Home Mortgage Kansas

Kansas Manufactured Home Loans

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Kansas Manufactured Home lender

Thinking of purchasing a Kansas manufactured home? Capital Home Mortgage Kansas is a premier manufactured home lender in Kansas with a dedicated team to help you with Kansas 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 a Kansas Mobile Home and Kansas Mobile Home Loans. Whether you are looking at traditional Kansas Traditional Manufactured Home Financing or Kansas 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 Kansas has the knowledge to walk you through the process.

Call today (316) 261-5400 to speak with one of our Kansas Manufactured Home Loan Specialist and to discuss Kansas Manufactured Mortgage Rates, Kansas Traditional Manufactured Home Financing and Kansas Chattel Manufactured Financing.

Kansas Manufactured Home Mortgage Loans

Manufactured homes have been a significant part of the housing market in Kansas, as in many other states. They offer an affordable housing option for many residents.

In general, manufactured homes are less expensive than traditional homes. Because they are affordable, they are good for first-time homeowners, retirees, and people or families looking for less expensive places to live. There are a lot of manufactured homes in rural parts of Kansas. They are often the only choice for housing in these areas because they are affordable and there is plenty of land to put them on.

There are specific rules and zoning laws in Kansas about where and how to put manufactured homes. These rules make sure that safety standards are met and cover things like how to anchor homes so that they can stand up to bad weather, like the storms that happen a lot in Kansas.

Manufactured houses in Kansas can be bought and sold again, just like regular homes. Location, age, state, and improvements can all affect how much a manufactured home is worth when it comes time to sell.

A lot of manufactured homes in Kansas are in parks or communities for manufactured homes. I n order to meet the needs and wants of the residents, these communities often offer features like clubhouses, swimming pools, and play areas.

There are different ways to finance manufactured homes in Kansas. Some lenders offer special loans for manufactured homes, while others may need bigger down payments or tighter requirements than for regular home loans.

Kansas’s need for manufactured homes may change depending on things like interest rates, the job market, and changes in the state’s population. Demand can also be affected by things like natural events or changes in government policies.

Overall, the Kansas manufactured homes real estate market offers affordable housing choices, especially in rural areas. There are laws in place to make sure safety and quality standards are met. But, like any real estate market, it can be affected by changes in the economy and the rules that govern it. For the most up-to-date and complete information, you should talk to a local real estate agent.

TurnKey Manufactured Services

Capital Home Mortgage Kansas 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

Kansas Manufactured Homes Explained

Kansas 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.

Kansas Manufactured Homes today

Kansas Manufactured Home

Kansas Modular Home

Kansas Barndominium Home

Kansas Manufactured Home

Kansas Manufactured Home Loans

A Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation. Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes. They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards. Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages. A wide variety of Financing is offered for Manufactured Homes, but the individual options depend on the home itself as well as the placement. If you are looking to purchase and place the home in mobile home park then a home only chattel loan is the loan required unless the park also conveys the land at which time you can look at other options.

Kansas Modular Home

Kansas Modular Home Loans

Modular Homes are a type of prefabricated construction where sections of the house, known as modules, are built off-site in. a factory and then moved to the building site and assembled. Even though the modulars of the house were made ahead of time, the components, or modules, are put together during construction just like in a regular house. In fact the primary distinction between manufactured and modular homes is that modular homes are built following all applicable state and local building requirements, while manufactured homes are constructed per the national HUD code. Advantages of modular homes are: cost effectiveness, speed of construction, quality control, and customization. Financing for Modular Homes has the same options as manufactured homes with the exception of Chattel home only for park financing, as Modular Homes are not designed to be moved once completed and assembled.

Kansas Barndominium Home

Kansas Barndominium Home loans

Barndominium homes are a unique housing concept that combines elements of barns or agricultural buildings with those of a traditional home. These structures often feature metal or steel frames, offering durability and a distinctive appearance. Barndominiums typically incorporate open floor plans, high ceilings, and expansive spaces that allow for versatile interior designs. They’ve gained popularity for their customizable nature, cost-effectiveness, and the ability to blend rustic aesthetics with modern living comforts. Many homeowners find them appealing due to their potential for customization and often more affordable construction costs compared to conventional homes. Would you like more specific information or details about barndominiums? Barndominium Financing follows traditional mortgage lending, but the loan must be supported by comparables for the local area.

Kansas 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

Kansas 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

Kansas 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.

Kansas Chattel Manufactured Home Financing

Kansas Manufactured True Home Only

Kansas Manufactured Land in Lieu

Kansas Manufactured Land Home

Kansas Manufactured Home Only

Kansas 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.

Kansas Manufactured Land in Lieu

Kansas 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.

Kansas Manufactured Land Home

Kansas 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.

Kansas TRaditional Manufactured Home Financing

Kansas FHA Manufactured loans

Kansas VA Manufactured Loans

Kansas USDA Manufactured Loans

Kansas HUD 184 Manufactured Loans

Kansas Conventional Manufactured Loans

Kansas fha Manufactured loans

Kansas 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.

Kansas va Manufactured loans

Kansas 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.

Kansas usda Manufactured loans

Kansas 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.

Kansas native american Manufactured loans

Kansas 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.

Kansas Conventional Manufactured Loans

Kansas 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 Kansas 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

Kansas Manufactured Home 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

Kansas Mortgage Company Reviews

Kansas Mortgage Team

Dale Gremillion

Sr Loan Officer

NMLS #210325

Conor Hayhurst

Branch Manager

NMLS #743506

Amanda Ravallo

Sr Loan Officer

NMLS #1702894

Kansas Home Mortgage Programs

Kansas Home Purchase loans

Looking to Purchase a Kansas 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

Kansas Renovation Home Loans

Looking to Rehab a Kansas 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

Kansas FHA Home loans

Great 1st Time Kansas 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

Kansas va Home Loans

100% Financing for Kansas 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

Kansas Conventional Home loans

Kansas for Kentucky 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
Single and Multi-Family Properties
Variable Mortgage Insurance Options
Low Rates & a Variety of Terms
Renovation Programs Available

Kansas Jumbo Home Loans

Kansas 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

Kansas USDA Home loans

Kansas 100% 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

Kansas Native american Home Loans

Kansas 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

Kansas Manufactured Home loans

Great Kansas Alternative 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

Kansas Reverse Mortgage Loans

Your Kansas 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

Kansas Non QM Home loans

Making Kansas 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
Full Doc Programs
Alt Doc Programs
Corporations OK

Kansas One Time Close Home Loans

Build Your Kansas 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

Kansas Refinance Mortgage loans

Kansas 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

Kansas Cashout Mortgage Loans

Kansas 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