Financing Programs Designed for Manufactured Home Buyers
Every buyer is different—that’s why Civitas offers multiple loan programs designed to fit your situation.
Loan Program
Minimum Requirements Often Include:
Credit Score
Starting at 580 (programs available for higher/lower scores depending on lender).
Household Income
Around $3,500/month gross income is recommended for most homes.
Debt-to-Income Ratio
Typically 43% or lower, but some flexibility exists.
Loan Program
Not Quite There Yet?
Connect with lenders
We’ll connect you with lenders who can give you a plan to improve your score.
Co-signer
You may qualify with a co-signer.
Special programs
Special programs are available for buyers building or repairing credit.
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