Today’s manufactured homes break all the molds, opening the market for buyers to get into a home where they previously could not. Preferred Rate provides a variety of loan programs to support the purchase or refinance of a manufactured home.
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DIVERSITY JOBS
MORTGAGE EXECUTIVE
Mortgage Professional America
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NMP
SCOTSMAN GUIDE
NMP
SCOTSMAN GUIDE
A manufactured housing loan helps buyers purchase or refinance a factory-built home that meets program and property guidelines. These homes offer an affordable path to homeownership without sacrificing quality.
Yes. Manufactured homes are often a more affordable way to enter the housing market and can be an excellent solution for buyers looking to lower monthly costs.
Preferred Rate offers Conventional, FHA, and VA loan options for manufactured housing, depending on eligibility.
Yes. Manufactured housing loans may be available for primary residences and second homes.
Yes — cash-out refinance options may be available, depending on the loan program and property eligibility.
Yes. Construction financing may be available for manufactured homes, allowing buyers to finance the build and placement of the home.
They have specific guidelines related to foundations, roof pitch, and property features, but many buyers are surprised by how accessible financing can be.
Buyers looking for an affordable housing option, those purchasing in rural or suburban areas, or anyone seeking flexibility without the higher cost of site-built homes.
We offer multiple loan options, experienced guidance, and solutions tailored to fit your goals — not a one-size-fits-all approach.
“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”
“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”
“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.
Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”
“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”
“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”
