Manufactured home loan programs

Homeownership is affordable with Guild’s manufactured home financing options. We offer a variety of manufactured home loans to best suit your unique homebuying situation. As a less expensive route to homeownership, manufactured homes provide opportunities to buy when you’re ready instead of putting that dream on hold.

At Guild, we’ve focused on providing affordable housing options for you going all the way back to our builder roots over 60 years ago. When our company was founded in 1960, we made it a priority to offer affordable housing options for first-time homebuyers. We’re still dedicated to these solutions for you today.

Exterior of manufactured home with yard

If you’re ready to purchase your first home or move up, manufactured homes and CrossModsTM are an affordable option in today’s competitive market. You can customize your home to suit your style preferences just like you would in a traditional single-family home with driveways, car ports, detached garages or porches. Instead of waiting to buy, you can enjoy newer features and amenities in your brand-new home at a lower price point.

What is the difference between a manufactured home and CrossModTM?

Manufactured homes are not built on permanent foundations like traditional homes. Instead, they’re pre-built and assembled onsite. Modern manufactured home trends are much different than those of the past with many customizable options and add-ons available.

A CrossModTM is a HUD-code manufactured home built to higher standards resembling a traditional site-built home. With features like front porches, pitched roofs, garages or carports and options for increased energy efficiency, CrossModsTM provide even more options for you. They offer amazing curb appeal and aesthetics to fit in any neighborhood.

Built to higher standards to resemble traditional site-built homes, these are stunning, affordable options that offer huge benefits on any budget.

Standard manufactured home requirements:

  • Single, double and triple wide
  • Home must be manufactured on or after June 15, 1976
  • Home must be transported directly from the manufacturer to the site

Guild’s manufactured home financing options

With extensive program offerings, we’re a leading lender when it comes to affordable housing and manufactured home options, and we’re dedicated to finding mortgage solutions for you. Financing options include fixed-rate loans with credit scores starting as low as 540 and programs with low and no down payments.


  • 5% down payment


  • 3.5% down payment

FNMA MH Advantage program

  • 3% down payment


  • 3% down payment


  • 0% down payment


  • 0% down payment

We can help you determine the best option for your family based on your situation and recommend the right loan for you.

Apply for a manufactured home loan

For more information, complete your application. With more affordable and innovative home options for families, you don’t have to wait to buy a home. Contact your local Guild Mortgage Loan Officer for more info. We’re excited to work with you.

Front cover of Manufactured Homes guide download

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Wondering how you can afford to buy a home? Try our cash-to-close calculator.