VA Loans and Manufactured Homes: What You Need to Know in California

Yes, you can buy a manufactured home with a VA loan.

No, it’s not as complicated as everyone makes it sound if you work with the right lender. Here’s what you need to know if you’re considering a manufactured home in California and want to use your VA benefit. 

What Counts as an Eligible Manufactured Home?

They must be:

• Larger than 400 sq ft (singlewide) or 700 sq ft (doublewide)
• Permanently attached to a foundation
• On land you own (not rented)
• Must be built to HUD certified

You can’t use a VA loan for a mobile home that’s not on a permanent foundation or is located in a rented park. It has to be real property. 

What’s Different About the Process?

• The appraisal process may take a little longer
• You’ll need a Structural Engineer Certification confirming it meets VA standards
• The title must show the home is permanently affixed and taxed as real estate
• Some lenders won’t do manufactured at all (I do)

But here’s the thing, VA doesn’t treat these loans wildly different from stick-built homes. Most of the delay or confusion comes from lenders who don’t know how to handle them.

Why Manufactured Homes Work for Veterans

• Lower price points
• More land in rural areas
• VA still allows $0 down
• You still get the same benefits: no PMI, competitive rates, flexible credit

Where I See These Work Well

In areas like Hanford, Lemoore, Coalinga, and rural Kings and Fresno counties, manufactured homes are a solid option for affordability without sacrificing space or land. If you’re thinking about buying a manufactured home with your VA loan, don’t let outdated info or inexperienced lenders scare you off. Let’s take a look at the property and run your numbers with no pressure, just facts.