VA Manufactured Home Loans: Single-Wide, Double-Wide & Multi-Wide (Expert Guide by John Thomas, PRMI)

Author: John Thomas, Loan Officer — Primary Residential Mortgage (PRMI)

Veterans and active-duty service members: if you’re exploring a manufactured home, your VA home loan benefit can be a powerful financing option. As a loan officer with Primary Residential Mortgage (PRMI), I help borrowers use VA loans to purchase eligible single-wide, double-wide, and multi-wide manufactured homes. This guide explains who qualifies, how to get your Certificate of Eligibility (COE), what property standards apply, and how to avoid common pitfalls—so you can move forward with confidence.  You can get started today by calling the John Thomas Team at 302-703-0727 or APPLY ONLINE

Why Consider a Manufactured Home with a VA Loan?

• Affordability & value: Often more home for the budget compared to many site-built options.
• VA advantages: Competitive rates, no monthly mortgage insurance, flexible credit standards, and strong consumer protections.
• Broad eligibility: VA allows single-wide, double-wide, and multi-wide manufactured homes that meet program standards.

VA Eligibility: Who Qualifies?

To use a VA loan you must satisfy both service eligibility and lending qualifications (credit, income, and underwriting). In general, you may be eligible if you are:

• Active-duty, veteran, or prior service meeting minimum service requirements (varies by era and duty status), or
• National Guard/Reserve meeting qualifying service rules, or
• Eligible surviving spouse under VA guidelines.

Occupancy note: The home must be your primary residence and you’ll certify intent to occupy per VA rules.

Certificate of Eligibility (COE): What You Need

Your COE confirms to the lender that the VA recognizes your entitlement. You can obtain it through a lender (fastest in most cases) or directly through the VA. Typical documentation includes:

• Veterans/Former Service: DD-214 (Member-4 or service copy showing character of service)
• Active-Duty: Statement of Service (signed by your commanding officer or personnel office)
• Guard/Reserve: NGB-22/NGB-23 or Reserve points statements as applicable
• Surviving Spouse: Documentation per VA requirements

If you’re unsure where to start, I can help you retrieve your COE quickly and correctly.

Property Rules for VA Manufactured Home Loans

VA allows financing for single-wide, double-wide, and multi-wide manufactured homes provided the property meets all requirements:

• Real property classification: The home must be permanently affixed to a qualifying foundation and legally considered real estate (not personal property).
• HUD Code compliance: The manufactured home must comply with the federal Manufactured Home Construction and Safety Standards (effective 6/15/1976) and display the HUD certification labels (data plates).
• Minimum Property Requirements (MPRs): Safe, sound, and sanitary condition; adequate mechanicals; no health/safety hazards; acceptable utilities; and suitable access.
• Land ownership: You must own (or be purchasing) the land with the home. Homes on leased land are not eligible for a VA real-property mortgage and typically require a chattel loan instead. Learn more here:
  Mobile Home Loans on Leased Land.

For a broader overview of manufactured home financing (beyond VA), see:
Delaware Manufactured Home Loans.

Loan Terms: Yes, 30-Year Fixed Is Available on Single-Wides

There’s a common misconception that VA limits manufactured home terms to shorter durations. In practice, VA loans can be originated as a 30-year fixed-rate mortgage for eligible manufactured homes—including single-wides—when all VA property and underwriting requirements are met (lender overlays may apply). Many borrowers choose 30-year fixed for payment stability and affordability.

• Available configurations: Single-wide, double-wide, and multi-wide manufactured homes
• Typical program features: 30-year fixed-rate terms available; competitive VA pricing
• What can vary: Individual lender overlays (e.g., minimum credit score, reserve requirements, property age, or additional foundation documentation)

Bottom line: If the home qualifies as real property, meets HUD and VA standards, and your profile meets underwriting, a 30-year fixed VA loan is absolutely an option—even on a single-wide.

How I Help You Win with a VA Manufactured Home

1. Confirm eligibility & COE: I’ll help verify your service eligibility and pull your COE.
2. Pre-approval that fits: We’ll assess income, credit, and payment goals to set a confident budget.
3. Property vetting: I’ll coordinate with your agent and the seller to ensure the home and foundation documentation meet VA/HUD requirements.
4. Appraisal & underwriting: We’ll keep the process tight and transparent, addressing any VA appraisal conditions quickly.
5. Clear-to-close execution: My team manages the details so you can focus on moving into your new home.

If you’re comparing a manufactured home to a site-built option, I’ll model the numbers side-by-side so you can see total payment, cash to close, and long-term impact.

Documentation You’ll Commonly Need

• COE (I can help you retrieve this)
• Government-issued ID and proof of service (e.g., DD-214 or Statement of Service)
• Recent pay stubs/LES, W-2s/1099s, and (if applicable) tax returns
• Bank statements or asset statements
• Purchase contract and property details (HUD tags/data plate, foundation documentation, title conversion to real property if applicable)

FAQs: VA Manufactured Home Loans

Work with John Thomas (PRMI) on Your VA Manufactured Home

If you’re a veteran or active-duty service member considering a manufactured home, I’d love to help you leverage your VA benefit the right way. I’ll guide you step-by-step—from COE to closing—so you get a great loan on a home that truly fits your life.  Give me a call at 302-703-0727 or APPLY ONLINE

John Thomas
Loan Officer — Primary Residential Mortgage (PRMI)