Some traditional mortgage loans are available for a manufactured or modular home, but financing options may differ from traditional home lending for manufactured housing.
The FHA offers loans for those who own land and for those who plan to lease the place where the manufactured home will be located. The FHA does not directly loan money to borrowers purchasing manufactured homes. Instead, loans are offered through approved lenders.
You may be eligible for a USDA loan (by the U.S. Department of Agriculture) for a manufactured home, but it comes with more strict regulations.
VA loans (by the Department of Veterans Affairs) are available for manufactured homes that will be attached to a permanent foundation on land that is already owned by the borrower or can be financed in a VA loan.
The obvious for FHA & VA
The unexpected for FHA & VA with scores above 580