Flexible Payment & Financing Options

Affordable Financing with Low Down Payments

Whether you are placing a home on private land with a permanent foundation or installing on leased property, explore custom loan options with flexible terms, competitive rates, and fast pre-qualification.

Down Payments from 5% Chattel & Real Property Loans 10, 15, 20 & 30-Year Terms FHA, VA & USDA Compatible

Live Payment Estimator

Interactive Financing Calculator

Select any manufactured home model or enter custom figures to view estimated monthly payments.

Real-Time Calculation

Select Home Model

Total Purchase Price ($) MSRP including regional delivery

Loan Structure

Down Payment $6,990 (10%)

Loan Term (Years)

Estimated Interest Rate (APR %)

Include Taxes & Insurance Est. ~$65/mo property tax + $45/mo hazard insurance

Estimated Monthly Payment

$478 / month

Principal & Interest: $368 / mo

Est. Taxes & Insurance: $110 / mo

Down Payment Amount: $6,990

Total Loan Financed: $62,910

Total Interest Paid: $25,410

No hard credit inquiry required to start pre-qualification.

Recommended Platform Deposit Required

Your First Home Financing

Advertising the best mobile home financing rates available. Depending on your deposit to Lara Mobile Homes, unlock prime lending rates.

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Need Help Choosing a Loan? Speak directly with our manufactured housing finance desk at (210) 570-4603.

Recommended Financing Platform

Unlock Industry-Leading Mobile Home Rates with Your First Home Financing

Have a deposit ready? We recommend Your First Home Financing as offering the best rates you can find for manufactured and mobile home financing nationwide.

This platform is specifically designed for buyers with deposits. Depending on the down payment you are willing to make toward your Lara Mobile Home, you can qualify for premium lending tiers and reduced monthly payments.

Best Rates Available Specially optimized for manufactured home loans.

Deposit-Qualified Exclusively for buyers prepared with a down payment.

Tiered Incentives Higher deposits unlock the lowest possible APR tiers.

Exclusive Partner Portal

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Financing Programs

Understanding Manufactured Home Loan Types

Choose the financing package that matches your property ownership, foundation design, and monthly budget.

Chattel Loan

Personal Property Loan

Finances the home itself when installed on standard pier-and-anchor foundations on leased land, family land, or mobile home communities.

Down payment: 5% – 10%
Fast closing (2–3 weeks)
Terms: 10, 15, 20, 23 years

FHA Title II

Land & Home Mortgage

Combines the new manufactured home, land purchase, and permanent foundation into a single 30-year residential mortgage.

Down payment: As low as 3.5%
Lowest 30-year fixed rates
Builds real estate equity

VA Loan

0% Down Veteran Loan

Exclusively for active-duty military, veterans, and surviving spouses purchasing a manufactured home on a permanent foundation.

Down payment: 0% ($0 Down)
No monthly mortgage insurance
Competitive fixed rates

USDA Rural

100% Rural Financing

Government-backed rural housing loans offering zero down payment for eligible rural and suburban parcels across all 48 states.

Down payment: 0% ($0 Down)
30-year fixed amortization
Ideal for rural private land

How Buying with Financing Works

Pre-Qualification

Calculate your down payment and monthly budget. Submit a simple pre-qualification form with no impact to your credit score.

Model & Site Match

Choose your floor plan, exterior finish package, and confirm parcel access or community park requirements.

Deposit & Order Tag

Place your deposit to lock in factory production pricing and assign your dedicated toter transport window.

Delivery & Move-In

We coordinate state DOT oversize permits, toter haulage, on-site leveling, blocking, and tie-down installation.