were buying a manufactured home and with the type of loan it doesn't allow for extra to renovate. And it needs it. What do yall think is the best option to look into for updates that I can get my husband on board with?


Hi iheartmanilla553,

I have asked one of our mortgage experts here at USAA and will get back to you with an answer shortly! Thank you for posting!

HI ihearmilla553,


Here is what our expert Mark had to say:


I’m not aware of any renovation purchase loans for manufactured homes. These loans typically allow for a loan amount based on the property value after the renovations are completed. The FHA 203k loan is one example of this type of loan but unfortunately most FHA lenders exclude manufactured homes. Your best chance of finding a solution is to contact small local lenders who typically do not sell loans on the secondary market and have more flexibility with the types of properties they will finance.  


I hope this helps! Good luck!

Thank you