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Mobile Home Loans

Achieve home ownership sooner with a loan for a mobile home

With multiple financing and term options, you can own a manufactured home sooner and more affordably.

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Fixed-Rate Financing

Budget and plan for your monthly payments more easily if you qualify for a fixed rate for the lifetime of the loan.


ARM Financing

Have lower payments at the beginning of your term with an adjustable-rate mortgage loan option.


Financing for the Right Home

With a mobile home loan, you can afford a comfortable home that fits your life, whether you are downsizing or a new homeowner.


Flexible Location Options

Whether you plan to place a mobile home on land you own or in a mobile home park, SFCU has financing available.


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As low as APR*

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Loan Amount
Fixed Rate Financing

Rest easy with predictable payments

You may qualify for fixed-rate financing if your mobile home is on an engineered slab. If so, you can trust your interest rate will remain consistent during the lifetime of your loan, making payments predictable.

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ARM Financing

Save money early on as you repay

With an adjustable-rate mortgage, you can step into your monthly payments more confidently. This financing option can make your initial payments lower, allowing you to prepare for later payments successfully.

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    • ARM products are based on a 30 year amortization
    • 1st Mortgage, Owner occupied
    •  80% of Purchase Price or Appraised Value whichever is less
    • Greater than 80% LTV requires PMI Insurance
    • Vacation Homes/2nd homes are .25% higher and require 20% down payment
    • Manufactured Loans minimum down payment 20%, New Home only for ARM’s; new and used available for fixed rates
    • Escrow may be required
    • One to four family primary residence; no commercial property
    • Adjustable Rate Mortgage rate and payment changes:
      The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase.
      For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an “Index”.
      Before each Change Date, we will calculate the new interest rate by adding the “Margin” to the “Current Index”. The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
      The rate may not adjust more than the “Max Rate change per Period” indicated above on each “Change Date”. The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the “Life time Change” of the loan.

    NMLS# 609016

I have had a good experience with my sfcu loan. I am very satisfied and will continue to do business with sfcu in the future.

— Fran L

How it works

Becoming a homeowner is achievable in a few steps with SFCU

  • 1

    Complete an application

    Apply with one of our expert Mortgage Specialists

  • 2

    Get an answer

    We will review your application and review the next steps

  • 3

    Purchase your home

    With your mortgage funds you can purchase your home

Contact a Mortgage Specialist


Have a question? Get in touch with us

Your dream of owning a home is within reach

At SFCU, we have made purchasing a mobile home more affordable with our financing options and variety of terms.

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