Your Top Rated® Jumbo VA Manufactured, Mobile, & Modular Home Lender, Offering Financing Up To $3+ Million.
Jumbo VA Manufactured Loan Programs Available In All 50 States.
Get Up To A $3,000,000.00+ Loan Amount For VA Jumbo Loans On Manufactured, Modular, and Multiple Property Styles!
We Offer higher loan limits on VA jumbo loans than the majority!
The power of using a VA Loan on your next manufactured or modular purchase or refinance doesn't stop at the traditional county loan limits, which, as of January 2024, for a majority of the country, is $766,550.00.
We allow over the allotted amounts that restrict other banks by offering up to $3+ million with competitive VA jumbo loan rates for qualified borrowers within the required credit scores and debt ratios.
You may ask your banker how well-qualified borrowers can access up to $50,000 extra before or after closing through our in-house personal loan program; we can underwrite and fund simultaneously. Use these extra funds to buy furnishings, update appliances, make room additions, build a small tiny rental home in the back, expand a business, pay off credit cards or medical debt, hire help around the home, or do whatever you wish.
As Seen In
The Top 6 benefits of using the VA Jumbo Loans versus Conventional Jumbo Loans.
NO MORTGAGE INSURANCE:
Putting less than 20% down on jumbo loans can carry costly monthly mortgage insurance additions to your payment. Using the VA Jumbo loan will save hundreds to thousands per year on loans up to $3+ Million.
UNDERWRITTEN & CLOSED IN-HOUSE:
We're a 50-state mortgage bank with no territory restrictions, so if you are buying or relocating out of state, we can help make the transition smooth. Having in-house underwriters allows us to close faster than mortgage brokers, who must send their loans to other banks. We are the bank!
CREDIT SCORES ALLOWED DOWN TO 640 FICO:
VA Jumbo Loans allow for lighter credit score requirements, whereas conventional jumbo loans usually require scores over 720.
MINIMAL OR NO RATE ADJUSTMENT FOR LOAN AMOUNT:
To buy a larger-priced home, many lenders will add significant interest rate adjustments on jumbo loans, sometimes over .500 - 1.000% of the standard loan amount rate. Depending on your score and loan amount, VA Jumbo Loans may not carry this rate adjustment. The VA Jumbo Loan is priced more competitively across the board than most Conventional Jumbo Loan products.
LOWER DOWN PAYMENT REQUIREMENT THAN CONVENTIONAL JUMBO LOANS:
If you have full VA entitlement, the required down payment would be zero due to the VA's new Blue Sky Limits. When compared to a Conventional Jumbo Loan, our VA Super Jumbo will not only save on your down payment, but you'll also save on our great interest rates.
BUILD OR RENOVATE WITH OUR VA JUMBO CONSTRUCTION & RENOVATION DIVISION:
You can go over the country loan limits and, in some cases, up to $3.5 million to build or renovate your manufactured home. And while it is true you rarely see a manufactured home that goes this high, it is possible to see them paired with more significant land, on full basements, and increasingly in high-cost areas. And in these cases, if you want to create your dream home in a more expensive area using a manufactured or modular property, we have you covered! Here, you can read more about our one-time and two-time close construction loans for manufactured homes.
What Are Current VA Manufactured & Jumbo Loan Rates?
Rates change daily depending on market conditions. While you can search online and see banks offering daily rates, many factors are not included in this pricing. Most lenders show rates that are not available without paying points or having the highest credit scores.
Some banks offering these low teaser rates online do this to try and pull you in without disclosing points are being charged until you are almost ready to close your loan. They hide these factors in small print at the bottom, or sometimes, they leave it off entirely. This is a trick we don't participate in.
Factors such as credit score, loan amount, loan to value, down payment, equity position, property type (condo, manufactured home, or single-family), credit criteria, and time in property are just some factors that can impact Current VA Jumbo Loan Rates. We often find rates published online are sometimes grossly higher or lower than the actual rates for each scenario.
When searching for Current VA Jumbo Loan Rates, many of our clients are misquoted by online systems and applications. Not getting the most accurate rate could hinder your loan closing.
You could get quoted too high of a rate and miss out on affording a larger home with extra features, and if you're quoted too low and not locked in at what they quoted, you could be disqualified if the payment goes up beyond your qualified allotment. Either way, we ensure transparency is vital when we fight for your home as you fought for ours.
We are here to take your call and give you the confidence to complete your next manufactured jumbo loan. Call us to speak directly to our Top Rated® Mortgage Lender, or complete the eligibility request using the button above. We'll provide the most accurate VA Jumbo Loan Rates available based on the information you provide and work to approve you instantly.
*We do not offer loans for any property placed on rented land, in mobile home parks, or on family land. We do not offer to finance any property not permanently fixed to land before closing unless under our new build/construction programs for newly manufactured home models. *We do not offer new Dealer Manufactured Home Loans in New York. Modular and Site Built land and home construction is allowed in all 50 states.
5-Star Manufactured Lender Reviews That WOW! Home On A Couple Hundred Acres? No Problem!
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction.
~Tom K. Realtor
Need A Jumbo VA Loan For Your Manufactured or Modular? Find Your Max Limit.
We Work Hard To Obtain The Cash Out You Need For Your Dream Home! We have over 100 years of combined experience helping people just like you get competitive, low, fixed-rate mortgage options for your manufactured or modular home. We promise never to spam you, sell your information, bombard you with robocalls, or provide anything but a clear, transparent conversation from start to close! It all begins here; start now!
TOUGH MANUFACTURED, MODULAR, BARNDOMINIUM, METAL-HOME JUMBO VA HOME LOANS DON'T SCARE US!
We're Dedicated To Helping You Achieve The Loan You Desire.
Manufactured Nationwide is proud to present hard-working bankers who roll up their sleeves to deliver outstanding solutions. With programs available to those turned down by other banks or needing a focused banker ready to listen and fight for your loan. We stand at the ready, bringing over 100 years of mortgage industry knowledge to achieve your goals. From double to triple-wide, from Barndominium to SIP Panel Construction, you can build, buy, refi, or renovate with Manufactured Nationwide's custom-tailored loans.