Manufactured home mortgage Loans!

Lots of financing options for Manufactured Homes in Idaho.

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1st Choice Mortgage Company, LLC BBB Business Review, boise, nampa, caldwell, kuna, eagle

Manufactured Home Mortgage Loans

FHA Manufactured Home Mortgage  Loan

The FHA mortgage program allows home buyers with little to challenged credit to become homeowners.

  • Minimum FICO Score: 580
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Owner Occupied Only.
  • Minimum 400 Square feet, so Single Wide are allowed.
  • Singlewide, Doublewide & Triple Wide.
  • Constructed after June 15, 1976
  • Seller can pay up to 6% towards Closing Costs
  • Classified as Real Property in the State of Idaho
  • HUD Certified Permanent Foundation
  • HUD tags and certification necessary, LINK HERE to items to watch out for.

More Information

 

Veterans Administration, VA Manufactured Home Mortgage Loan

VA  home mortgage program that allows those who served the US to get into a Manfactured Home with NO down payment.

  • Minimum FICO Score: 620
  • Minimum Down Payment: ZIP, Zero, NADA
  • Owner Occupied Only.
  • Singlewide, Doublewide and Triplewide units eligible.
  • Constructed after June 15, 1976
  • Seller can pay up to 6% towards Closing Costs.
  • Classified as Real Property in the State of Idaho.
  • HUD Certified Permanent Foundation.
  • HUD tags and certification necessary, LINK HERE to items to watch out for.

More Information

 

USDA Rural Development Manufactured Home Mortgage Loan

Allow for 100% financing in Rural Areas of Idaho

  • Minimum FICO Score:  620
  • Minimum Down Payment: ZIP, Zero, NADA
  • Owner Occupied Only.
  • Property needs to be in Eligible Rural Areas, LINK HERE to map.
  • Minimum 400 square feet in size.
  • Singlewide, Doublewide and Triplewide units eligible.
  • Must be constructed in last 12 months and NEVER occupied.
  • Seller can pay up to 6% towards Closing Costs.
  • Classified as Real Property in the State of Idaho.
  • HUD Certified Permanent Foundation.
  • HUD tags and certification necessary, LINK HERE to items to watch out for.

More Information

 

Conventional Manufactured Home Mortgage Loan

Buyers can utilize conventional financing to get a Manufactured Home loan.

  • Minimum FICO Score: 620
  • Minimum Down Payment:  5%
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Owner Occupied Only.
  • Minimum 600 Square feet and atleast 12 feet wide
  • Doublewide & Triple Wide.  NO SINGLEWIDES
  • Constructed after June 15, 1976
  • Seller can pay up to 3% towards Closing Costs
  • Classified as Real Property in the State of Idaho
  • HUD Certified Permanent Foundation
  • HUD tags and certification necessary, LINK HERE to items to watch out for.

More Information

 

Reverse Mortgage  Manufactured Home Mortgage  Loan

The HECM or Reverse Mortgage program allows home buyers over the age of 62 to purchase a home with a Reverse Mortgage

  • Minimum FICO Score: N/A
  • Minimum Down Payment:  Dependant upon Age, LINK Here to HECM Calculator
  • Down Payment from a Gift:  NO
  • Owner Occupied Only.
  • Doublewide & Triple Wide.
  • Constructed after June 15, 1976
  • Classified as Real Property in the State of Idaho
  • HUD Certified Permanent Foundation
  • HUD tags and certification necessary, LINK HERE to items to watch out for.
  • Get more information about Reverse Mortgage LINK HERE.

 

More Information

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