Secondary Mobile Home Loans

Find loans that make vacation dreams go

Escape the everyday with a secondary mobile home loan

If you're shopping for a mobile home as a secondary residence, we can help. For over a decade, we've provided mobile home financing for beachside getaways, vacation homes and more.

Shop with confidence

Lock in your loan while staying on budget.

Enjoy flexible terms

Financing is available from 60 to 180 months.

Pick new or used homes

We offer loans for both new and pre-owned mobile homes.

Ask us about secondary mobile home loans today

Secondary Mobile Home Loan Benefits
Make more vacation memories

If you're ready to start enjoying your new home away from home, we can help turn your dreams into reality.

  • Get access to competitive fixed rates
  • Funding options include dealer and private purchases
  • Minimum loan amount is $5,000
  • Available for both single- and double-wide homes

What to know
Secondary mobile home loan requirements

Loan amount

The minimum loan amount is $5,000 with no maximum limit.

Term length options

Your terms will vary depending on the size and age of the unit, with up to 120 months for single-wide homes and up to 180 months for double-wide homes.

Property requirements

The unit must have been built after 1976, be permanently affixed to a foundation and must not be your primary residence.

How to get started

Wondering how to apply for a secondary mobile home loan? It's not much different from traditional home shopping. If you have any questions, our lending team is here to guide you through the process.

Step 1
Shop for a mobile home

The first step in finding a secondary mobile home loan is to pick out the mobile home you would like to finance. As long as the mobile or manufactured home isn't going to serve as your primary residence, we can help you explore financing options.

Step 2
Apply for a mobile home loan

Visit a local branch to apply for a mobile home as a secondary residence loan. One of our friendly loan experts will gather information about you and the property you'd like to purchase.

Step 3
Close your loan to receive your funds

Once approved, you'll sign closing documents to finalize your secondary mobile home loan. After closing, you'll receive your funds, return to the seller to buy and enjoy your new vacation mobile home.

RV Loans FAQ
People often ask us

No. Secondary mobile home loans are more like auto loans. They're simple interest loans that use both the land and the property as collateral to secure the financing.

Since your new vacation home will cost more than a typical car, longer loan terms are available. You'll make payments monthly, as you do on any other loan.

Secondary mobile home financing is available in Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia and West Virginia. We don't offer secondary mobile home loans in Arizona, California, Colorado, Kansas, Missouri, New Mexico, Oklahoma, Oregon, Pennsylvania, Texas, Washington and Wisconsin.

  • The lot must be located on a publicly maintained road, unless it's in a subdivision with privately maintained roads supported by a written, recorded maintenance agreement.
  • The appropriate state, city, or county health departments, or other governing body must approve all domestic water and septic systems.

To qualify, the unit must have been built under Federal Manufactured Home Construction and Safety Standards dated June 15, 1976. The unit must be permanently affixed to a foundation and must assume the characteristics of site-built housing. The wheels, axles and trailer hitches must be removed when the unit is placed on its permanent site. For a full list of requirements, please visit a local branch.

Definitely! Simply visit your local branch, we're happy to answer any questions to help to see if you can qualify for financing.

Insights
A few financial insights for your life

Budgeting

How to budget for vacation

Making a budget and being flexible can help you save on your next trip.
Creating a budget for a vacation is more than just putting money away. It's about finding savvy ways to save on every aspect of your vacation.
Debt

How to get a personal loan

Here's the information you'll need to apply for a personal loan.
As long as you use it responsibly, getting a personal loan can help strengthen your finances and prepare you for financial success down the road.
Credit

How personal loans can help financial wellness

Getting a personal loan could help you consolidate your debt or increase your credit score.
Making monthly payments toward a loan tells lenders you're responsible with your debt.

Account openings are subject to bank approval.

Normal credit approval applies.

Terms and conditions subject to change.

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