How to Refinance a Mobile Home Loan? (2025 Guide) | reAlpha Mortgage

Refinancing a mobile home loan can feel complicated, especially if you've hit roadblocks like unclear guidelines, unexpected costs, or lender confusion. You’re not alone. Many homeowners in manufactured housing communities or land-leased properties face the same challenges. The good news? You can refinance, and this guide will walk you through everything, no jargon, no fluff.

• Refinancing a mobile or manufactured home loan can reduce your monthly payment or secure a better interest rate.
• Understand eligibility requirements based on your home type, loan type, and land ownership.
• Compare lenders, loan terms, and fees carefully to avoid UDAAP or hidden costs.
• FHA, Conventional, and non-QM refinance options are available, even with credit challenges.
• Important disclosures and licensing info required; always work with a compliant lender.

• Built after June 15, 1976, and meets HUD standards
• At least 400 square feet of living space
• Built on a permanent chassis

• Do you own the land or lease it?
• Is the home titled as real property or personal property?
• Was the home permanently affixed to a foundation?

• Lower your interest rate
• Switch from an adjustable to a fixed rate
• Cash out equity
• Eliminate high-cost chattel loans

Ideal if your mobile home is classified as real property and permanently affixed.

• Lower rates
• Potentially better terms
• Access to cash-out

• Stricter credit/income requirements

Backed by the government, these work for homes on rented land too.

FHA Title I: Personal property option for homes not titled as real estate FHA Title II: For homes considered real property

• Flexible credit guidelines
• Government-backed security

• Mortgage insurance required
• Property must meet HUD standards

For borrowers with unique situations—low credit, self-employment, and high DTI.

Examples:

• DSCR loans for investment properties
• Bank statement loans for self-employed borrowers

Heads Up: These loans can carry higher interest rates, so compare carefully.

• Check title status (real vs personal property)
• Confirm the home is HUD-compliant
• Know your credit score, DTI, and income stability

• Look for a mobile home experience
• Ask about FHA, Conventional, and Non-QM options

• Get the full Loan Estimate (LE)
• Watch for trigger terms (payment, rate) requiring APR disclosure under TILA

• Appraisal required for most refinances
• Lenders evaluate value, title, and income

• Review Closing Disclosure (CD)
• Sign and fund within the 3-day rescission period

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify

• SAFE Act: All loan originators must list their NMLS ID — reAlpha Mortgage’s is #1743790
• TILA/Reg Z: Any rate, payment, or term advertised must also clearly disclose the APR
• RESPA/Reg X: No hidden fees or referral kickbacks allowed
• UDAAP: Marketing must be transparent, fair, and non-deceptive

Always verify lender licensing and disclosures—it's not just smart, it's federal law.

Refinancing your mobile or manufactured home doesn’t have to be stressful — and it definitely shouldn’t be expensive. At reAlpha Mortgage, we help you unlock serious savings at closing by giving you up to 75% of your buyer agent’s commission back.

Here’s how it works:

• ✅ Use a reAlpha agent: Get 25% back
• ✅ Add a reAlpha Mortgage: Unlock 50% back

• ✅ Bundle with reAlpha Title: Claim the full 75% rebate

That’s thousands of dollars you can use for closing costs, home improvements, or your next investment.

Let’s run the numbers together — no pressure, just smart refinancing.

Explore your refinance options at reAlpha Mortgage →

Yes, through FHA Title I or certain Non-QM loans. You’ll need to meet specific lender and HUD criteria.

It depends on the condition, HUD compliance, and market rates. Homes built after 1976 are generally eligible.

Minimums vary by loan type: FHA allows as low as 580, while Conventional may require 620+.

In most cases, yes, especially for cash-out or Conventional refinances.

On average, 30–45 days, depending on your paperwork and lender efficiency.

Yes, though some lenders offer credits or roll costs into the loan. Always review your Loan Estimate.

Yes. Non-QM and FHA loans may work for borrowers with past credit challenges.

This guide is intended for educational purposes only. Rates, eligibility, and terms vary based on individual borrower profiles and market conditions. Always consult with a licensed mortgage advisor before making financial decisions.

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify