Can I get a VA loan on a mobile home or prefabricated house?

sdogg73
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Can I get a VA loan on a mobile home or prefabricated house?

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Answers (1)

Answers (1)

Sdogg,

 

Thanks for the question!  I'm glad you are looking into possibly using your VA loan benefits for a home purchase. They do have several advantages and differences from a conventional mortgage.  The VA does allow financing on certain manufactured homes, but does require that the home be built on a permanent foundation.  The difficulty is in the definition of "certain manufactured homes" and it's a complex one - involving state and local laws.  Because of this complexity, USAA does not lend VA on manufactured homes or mobile homes.   

 

Many of the larger/national lenders do not either for similar reasons, but there are a variety of niche lenders in the market that meet this demand.

 

I also want to steer you to an additional resource that lives in the USAA Home Learning Center, "Everything You Need to Know about VA Loans" where you can learn more.

 

I hope this was helpful, and best of luck to you!

 

-Matthew