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What are Manufactured & Modular Home Mortgages?

Manufactured Homes are factory-built residences made after June 15, 1976 that are required to meet safety standards referred to as the HUD code. Modular homes are factory-built and assembled on-site. Instead of the HUD code, they are subject to the same city and uniform construction codes as site-built homes and are typically installed on a concrete foundation and cannot be moved.

Refinancing a home can be a difficult process, especially for manufactured and modular homes. Generally, it’s easier to get a loan for a modular home than a manufactured one, as they are often treated similarly to traditional site-built homes. But loan options for these types of homes are still greatly outnumbered by standard home loans and it can be hard to find a company that will offer manufactured and modular home mortgages.

Global Equity Finance is one of the rare companies that specializes in manufactured and modular refinancing and can help you both lower your home mortgage rates and shorten your loan terms.

A Message From Global Equity Finance

“Let Global Equity Finance help you refinance your manufactured or modular home today to lower your payments, shorten your terms, or even take cash out.”


Roy Koldaro

NMLS# 1241846
VP of Lending

Benefits of Manufactured Homes

  • Affordability​​
  • Lower Interest Rates
  • Shorter Terms
  • Cash-Out

Manufactured & Modular Home Mortgage Options

Benefits of Refinancing a Manufactured or Modular Home Mortgage




Manufactured and modular homes are typically more affordable than traditional site-built homes. Refinancing can maintain this affordability by giving you lower monthly payments, better interest rates and more manageable loan terms.

Lower Interest Rates

Lower Interest Rates

Refinancing your manufactured or modular home mortgage into one with lower interest rates can provide you with significant savings.

Shorter Terms

Shorter Terms

If you refinance into a mortgage with shorter terms, you will repay your debt faster and lower interest costs.



Because they’re backed by the government, reverse mortgages are non-recourse loans. This means that if the sale of your home doesn’t cover the balance of the loan, the government will take on the remaining cost rather than burdening you or your family.

Manufactured Home Mortgage Qualifications

Global Equity Finance can work with you to refinance your manufactured or modular home if it meets the following criteria:

  • The home must be on a permanent foundation
  • You must own the land that the manufactured or modular home is on
  • The home must be a double-wide or larger
  • The home must have been built after June 15, 1976

Loan program

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