Manufactured Home Loans in Pennsylvania

From single-wides on owned land to homes in land-lease communities, Atlantic finances manufactured homes across Pennsylvania — worked from the full agency lineup, with no in-house width overlay.

Get started (717) 420-9040

Independent brokerage since 2007 4.5★ on Google Licensed in RI, MA, PA, FL & AL A network of specialty lenders, one application

Manufactured homes are some of the hardest properties to finance — many lenders pile on width overlays, age cutoffs, or simply won’t touch a single-wide. Atlantic works them from the full FHA, VA, USDA and conventional agency lineup, starting at the 6/15/1976 HUD floor, with no in-house width overlay — single, double and triple-wide, on owned land or in land-lease communities.

As an independent brokerage, we match each file to the lender built for it — and we stay on the file from pre-qualification through closing.

For real-estate agents & community sales professionals: have a manufactured-home listing or buyer? Text the listing or address plus your buyer’s first name and phone to our Pennsylvania manufactured-home line at (717) 420-9040 — callback weekends included — or email us for program details.

What we finance

Single-wide on owned land

The financing most lenders won’t touch — fee-simple, the full agency lineup, no width overlay.

Double & triple-wide

Multi-section homes on owned land — full agency lineup, fee-simple.

Homes in land-lease communities

Home-only (chattel) financing when the buyer owns the home and rents the lot, titled as personal property.

Previously-moved homes

Portfolio land-home options for manufactured homes that have been relocated — any width.

Renovation financing

FHA 203(k) and HomeStyle — finance the home and the work in one loan.

Full agency lineup

FHA, VA, USDA and conventional — matched to the file, not forced into one bank’s box.

Program at a glance

Agency lineup: FHA, VA, USDA & conventional
Widths: Single, double & triple-wide — no in-house width overlay
Age: 6/15/1976 HUD floor or later — no in-house age overlay
Land: Owned land (fee-simple) or land-lease communities (home-only / chattel)
Previously-moved: Eligible — portfolio land-home options
Renovation: FHA 203(k) & HomeStyle eligible
Licensed in: Pennsylvania (and RI, MA, FL & AL)
Working with us: Quick callbacks and weekend pre-quals

How working with us works

Send the scenario

Text or email us the home or listing plus the buyer’s first name and phone.

Same-day callback

We review it and follow up — weekends included.

Buyer pre-qualified

A quick pre-qualification points the buyer the right way, with no credit pull to start.

Clear path to closing

We line up the right program and stay on the file from pre-qual through closing.

Common questions

Do you finance single-wide manufactured homes in Pennsylvania?

Yes — single-wides on owned land are a core focus, worked from the full FHA, VA, USDA and conventional agency lineup with no in-house width overlay. It’s the financing many lenders decline.

Can you finance a home in a land-lease community or mobile-home park?

Yes — home-only (chattel) financing is available when the buyer owns the home and rents the lot, and the home is titled as personal property.

How old can the home be?

We start at the 6/15/1976 HUD floor and apply no in-house age overlay — eligibility follows the program and the home’s condition.

Can a previously-moved manufactured home be financed?

Often, yes — we have portfolio land-home options for manufactured homes that have been relocated, across widths.

Can renovations be included?

Yes — FHA 203(k) and HomeStyle let you finance the home and the work in one loan.

I’m an agent or community sales professional — how do I send a deal?

Text the listing or address plus your buyer’s first name and phone to our manufactured-home line at (717) 420-9040 — callback weekends included — or email john@atlanticcorporation.net for program details.

Is Atlantic licensed in Pennsylvania?

Yes — Atlantic Mortgage & Finance Corporation is licensed in Pennsylvania (and Rhode Island, Massachusetts, Florida and Alabama), NMLS #3915.

4.5
Rated on Google · independent brokerage since 2007

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“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”

— Joe H., real estate agent

“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”

— Heather S.

“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”

— Vanessa S.

Have a manufactured-home listing or buyer? Send it over.

Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.

All loans are subject to credit approval and program guidelines; availability varies by program.