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Manufactured Homes

If you're looking to finance a manufactured home to place on property you own, we have a loan made just for this.

Wondering if what you’re looking to purchase qualifies? Here are a few main qualifiers. Other stipulations may apply:

  • Home is on owned land with permanent foundation

  • Home is permanently affixed to the ground

  • Must be owner occupied. Cannot be a rental property

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If you have any questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly Member service representatives today.

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Not sure how much you need?

Check out our helpful loan comparison calculator.


Manufactured Home Loan Comparison Calculator

Want a rough idea?

Check today’s manufactured home rates effective July 29, 2021

1st Lien Home Equity Loan
Fixed Rate with Closing Costs

Term APR
1-5 Years as low as 2.24%
6-10 Years as low as 2.49%
11-15 Years as low as 2.74%
16-20 Years as low as 2.99%

2nd Lien Home Equity Loan
Fixed Rate with Closing Costs

Term APR
1-5 Years as low as 2.74%
6-10 Years as low as 3.49%
11-15 Years as low as 3.74%
16-20 Years as low as 4.49%

1st Lien Disclosure

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.

1st Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $592.50 for a $50,000 loan or $592.50 for a $100,000 loan.

Monthly payments for 10 years would be $9.43 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.

2nd Lien Disclosure

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.

2nd Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $592.50 for a $50,000 loan or $592.50 for a $100,000 loan.

Monthly payments for 10 years would be $9.89 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.