Unlock Your Dream Home with

Construction Loans for Manufactured Homes

(Double-Wide)

Are you dreaming of owning a spacious manufactured home but worried about the financing? My City Lending has tailor-made construction loan solutions for you. Dive into the world of flexible financing for your manufactured home (double-wide) with our two-closing interim financing guidelines.

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Why Choose Us For Your Manufactured Home Construction Loan?

Eligibility Across All States

Whether you’re nestled in the mountains or situated by the coast, our financing covers all states, making your dream home a possibility no matter where you are.

Flexible Transaction Types

Our loans cater to both purchase and R/T (rate and term) refinance transactions. This flexibility allows you to choose the best route for financing your construction project.

Straightforward Interest Payments

During the construction phase, you’ll only need to make interest payments on the funds disbursed, easing your financial burden.

Competitive Financing Terms

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Maximum DTI: 45% for interim loans, with end loan guidelines referring to agency standards.

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Minimum Credit Score:
680

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Maximum DTI: 45% for interim loans, with end loan guidelines referring to agency standards.

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Eligibility Across All States: Our financing covers all states, making your dream home a possibility no matter where you are.

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Loan to Value (LTV): Up to 90% for primary residences, makes it easier to start your project with minimal down payment.

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Max Loan Amount:
Up to conforming loan limits

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No Restrictions on Property Ownership Prior to Application

If you don’t own the land before applying for the construction loan, no worries! Our program is designed to finance the purchase of the lot as well as the construction of your home. For those with an existing land loan, it can be conveniently paid off with our construction loan.

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No Prepayment Penalty: Enjoy the freedom to pay off your loan early without any penalties.

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Investment Properties: Focus on creating a home. Investment properties are not permitted under this program, ensuring that we cater to your personal housing needs.

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Documentation Simplified: We’ve streamlined our documentation process, requiring only essential paperwork like a 3-bureau merged credit report and compliance with agency guidelines.

Begin Your Construction Journey With Confidence:

Our dedicated team at My City Lending is here to guide you every step of the way. From the initial application to the final draw, we ensure a smooth process so you can focus on the excitement of building your dream manufactured home. 

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