Manufactured home loan leads
Buyers and owners of manufactured homes, with land, age and title questions answered up front.
Manufactured home loan leads are worth chasing because the lender pool is small and the buyers are many. Plenty of people want a manufactured home on their own land, or a refinance on one they already own, and find that most loan officers cannot help. We find them and send each inquiry to one loan officer, with the facts that decide the loan path.
- Land ownership and home status captured
- New or used home noted
- Exclusive to you and never resold
Watch it in 42 seconds
A 42-second explainer from the Amplify Leads team: manufactured home loan leads, with the land question answered.
What manufactured home leads look like when they reach you
Who
Buyers of new or used manufactured homes, owners looking to refinance, and families with land who want to place a home on it.
What they have
Whether they own the land, whether the home is already placed, and the approximate year and size of the home.
What they want
A purchase, a land-and-home package, or a refinance, and the monthly payment they hope to land near.
Eligibility turns on foundation, title and age of the home, and lenders differ. Learn the rules for the loan types you offer first.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: FHA leads, land loan leads, and USDA loan leads. Or see mortgage leads by state.
Who buys a manufactured home, and what are they trying to do?
Many are first-time buyers priced out of site-built homes. Others are downsizing retirees, rural families with land handed down, or workers who need housing near a job. Some buy a home in a community and lease the lot. Some place a new home on acreage they already own. Others already own a home and want to refinance, pull out cash or finance repairs. Each version needs a different loan, so what they own, and what the home sits on, matters more than anything else on the form.
What makes a manufactured home lead fundable?
Start with land. A borrower who owns the land, or is buying it with the home, is usually in real property territory. A borrower who leases a lot is in chattel territory, with fewer lenders and different terms. Next is the home itself: age, whether it is on a permanent foundation, and whether it meets HUD code for manufactured housing. Then credit and down payment. A wasted call is a person asking about a home that predates the HUD code, or one that cannot be placed on a permanent foundation. Sort that out early.
What does the manufactured home form ask?
Questions focus on land, title and the home's condition, because those three facts decide which lenders and loan types are even possible for this buyer.
- Do you own the land, or will you buy it with the home?
- Is the home new or used, and what year was it built?
- Is it, or will it be, on a permanent foundation?
- Are you buying or refinancing?
- What is your approximate credit range?
- Is the home in a park or community where you rent the lot?
How do ads reach manufactured home buyers without sounding patronizing?
Plainly, with real homes and real payments in mind rather than glossy stock photos. The angle is that financing is available, and the audience is first-time buyers, rural households and people near retirement, within Meta's limits for housing and credit ads. Facebook carries the volume because this audience is active there. Google works for searches on financing a manufactured home. The landing page promises a conversation about options for the home and land, not a rate or approval. Reply the same business day, and call, since many of these buyers prefer a voice.
Which rules should a lender watch on these ads?
FHA, VA and USDA each have manufactured home requirements, so any ad naming a program should match what you offer, and the program must be named correctly. If an ad mentions a rate or payment, Regulation Z trigger terms can apply. Many states also require specific licensing for manufactured home lending and retail activity, so confirm with your compliance contact. Calls and texts need TCPA consent, which the form captures. Meta places housing and credit ads in a special category with limited targeting. Tread carefully with any claim about approval.
Before you reach out
What is the difference between real property and chattel?
A home permanently attached to land that the buyer owns and titled as real property can often use a mortgage. A home treated as personal property, like a vehicle, is usually financed with a chattel loan. The form asks about land and title because that answer decides the path.
Does FHA lend on manufactured homes?
Yes. FHA has a Title II program for homes treated as real property and a Title I program that can cover the home on its own. Each has its own requirements, so confirm what your lender offers.
Can these leads be limited to buyers who own land?
Yes. We can focus the ads on land-home buyers or on owners with a home already in place, depending on which loans you place.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.