However, to qualify, your home will have to meet very specific criteria. For example, the house must be at least 12 feet wide, a minimum of 600 square feet, and cannot be on leased land. Freddie Mac also offers conventional loans for manufactured homes if they meet all of Freddie Mac's requirements. What credit rating do you need to buy a manufactured home? Most lenders require a minimum credit score of 580 to 620 to purchase a mobile home.
In most cases, 580 is the minimum credit score for manufactured home loans, but you may still get financing with a special program and a lower score, but you may have to make a larger down payment. If you want to buy a mobile, prefab, or modular home, you can get a mortgage to pay for it; if you meet the basic requirements, mortgages are available for many types of non-traditional homes.