Manufactured and Modular Home Financing

Financing your new home doesn’t have to be complicated. At Phil & Lee’s Homes, we work with some of the top lenders in the industry to offer flexible, affordable financing options for both manufactured and modular homes. Whether you’re a first-time homebuyer or looking to combine your home with land, we’ll guide you through the process step by step — with no guesswork, no pressure, and a team that’s always on your side.

We Help You Secure the Right Loan

Buying a factory-built home is a big decision — and we believe getting the right financing should feel just as easy and confident as picking the perfect floor plan. That’s why we partner with trusted lenders who specialize in manufactured and modular home financing. Our experienced team will help match you with the right loan program, guide you through pre-approval, and ensure your paperwork is accurate and complete.

Common Financing Options We Help With:

Home-Only Loans (Chattel Loans)
Land/Home Packages
FHA Loans
VA Loans
USDA Rural Development Loans
Conventional Mortgages
Financing for Credit Challenges
First-Time Homebuyer Programs

Home-Only Loans (Chattel Loans)

Land/Home Packages

FHA Loans

VA Loans

USDA Rural Development Loans

Conventional Mortgages

Financing for Credit Challenges

First-Time Homebuyer Programs

Whether you’re purchasing a home in a community, placing one on private land, or bundling land and home into a single loan, we’ll help you navigate the process from start to finish.

Frequently Asked Financing Questions

Do you offer financing in-house?

While we don’t provide in-house lending, we work closely with a network of trusted lenders who understand the factory-built housing industry and can offer tailored financing options.

Can I finance both land and home together?

Yes! Our team can help you structure a land/home package and work with lenders who specialize in this type of financing.

What kind of credit score do I need?

Credit score requirements vary by lender and loan program. We’ll help review your situation and connect you with the best available options.

Can I get pre-approved before choosing a home?

Absolutely — and we recommend it. Getting pre-approved helps you understand your budget and shop with confidence.

Let’s Make Financing Easy

At Phil & Lee’s Homes, we’re committed to helping you every step of the way — from finding the right home to making it affordable. Contact our team today to learn more about available financing options or to get started with a pre-approval. We’re here to help you open the door to homeownership with confidence.

Call us or stop by our Escanaba location today!

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