Loan types
Learn the 2026 VA IRRRL rules for manufactured homes, including seasoning, 36-month recoupment, the 0.5% funding fee, term limits and lender overlays.
Manufactured Home Refinance Options: What You Need to Know Refinancing a manufactured home can lower monthly payments, reduce interest costs, or free equity for other uses. But manufactured homes are treated differently than site-built houses, and your options depend on whether the home is titled as real property (affixed to owned land) or as personal […]