WHAT IS A MOBILE HOME IN PARK LOAN?
Not all homes fit inside the traditional mortgage box. If you live in a mobile home park and lease the land your home sits on, you may have found that financing options are limited. At Giving Tree Lending, we offer a dedicated loan program tailored for primary residences located in mobile home communities — with competitive terms, simple requirements, and personalized support every step of the way.
We’re here to make mobile home financing feel as straightforward as buying a traditional house.
MOBILE HOME
LOAN OVERVIEW:
If you live in a mobile home park and lease the land beneath your home, financing options can feel limited — but not with Giving Tree Lending. We offer a specialized loan program designed specifically for primary residences located in mobile home communities.
Whether you’re purchasing a new or pre-owned mobile home, we’ll guide you through a flexible financing process tailored to the unique structure of mobile home living. Our team understands the differences and delivers solutions built around your lifestyle, your home, and your goals.
PROGRAM BENEFITS
- Available for homes located in mobile home parks (leased-land communities)
- Purchase new or used manufactured homes
- Down payments as low as 5%
- Closing costs can be rolled into the loan (on purchases)
- Terms up to 25 years (300 months)
- Designed for primary residence only
Our goal is to help you achieve affordable and secure housing — even if you've been turned away elsewhere. With mobile home financing, you don’t need to own the land. You just need a team that knows how to navigate the path.
REQUIREMENTS
To ensure a smooth approval process, we help collect and verify the following:
- Valid government-issued ID (Driver’s License and Social Security Card)
- Most recent 2 months of bank statements
- Income documentation (or exemption, depending on eligibility)
- Soft-pull credit report
- Mobile home park approval required
- Income must cover 2x the monthly space rent + $5
- Home must meet minimum condition or appraised value standards
If you're buying a pre-owned home, an appraisal may be required — but can sometimes be waived after submitting the order form. We’ll guide you through this process step-by-step.
LOAN OPTIONS:
We offer three loan tiers depending on credit and loan size:
- Core Tier: 640+ credit score, min $10,000 loan
- Silver Tier: 600+ credit score, min $10,000 loan
- Bronze Tier: 580+ credit score, min $65,000 loan
Each tier includes:
- Up to 48–50% DTI limits
- Maximum terms of 25 years
- Competitive fixed rates
We’ll work closely with you to determine which tier you qualify for — and what gives you the best path to approval.
How Do You Qualify for a Mobile Home Loan?
If you’re living in a mobile home park and looking to finance your home — whether it’s new or pre-owned — call our team at (800) 921-1695 to see if you qualify for our Mobile Home in Park Loan program.
To get started, you’ll need to lease the land your home sits on, use the home as your primary residence, and provide basic documents like ID, recent bank statements, and proof of income. Credit scores as low as 580 may be accepted, and park approval is required.
This loan is a strong option for families and individuals who want affordable financing for mobile home living without needing to own the land. We’ll walk you through every step and help make the process simple.
HOW LOW WILL YOUR PAYMENT BE?