Manufactured homes — formerly called mobile homes — are factory-built on a permanent chassis and transported to site. They range from compact single-wides under 1,000 sqft to spacious triple-wides over 2,400 sqft, and can be placed in communities with lot rent or on private land you own.

Pricing varies significantly by state. Markets like Texas and Florida have the highest inventory and most competitive pricing, while California commands premium prices due to land costs. Most lenders offer chattel loans (home-only) or land-home packages, with rates typically 1–2 points above conventional mortgages.

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