Financing Manufactured Homes That Have Been Moved More Than Once 

When it comes to affordable homeownership in Arizona, manufactured homes are an increasingly popular option — especially for buyers looking to own both the home and the land.

But here’s where many people get stuck: most lenders won’t finance a manufactured home if it’s been moved more than once.

That single guideline can take great homes off the table and leave qualified buyers frustrated.

 The good news? There are lending solutions — and at X2, we’ve got you covered.

What Is a Manufactured Home & Why the Move History Matters

Manufactured homes are factory-built to federal HUD standards and transported to the land where they’ll be installed.

 Once permanently affixed and properly titled, they can function just like a traditional site-built home — often at a much more affordable price point.

However, here’s something many buyers don’t realize:

Most lenders will not finance a manufactured home that has been moved more than once. 

Why?

 Manufactured homes are engineered for one primary move — from the factory to their original installation site.

 Additional moves can introduce concerns related to structural stress, frame integrity, and foundation systems. Because of this, many lenders have a strict “one-move” policy.

This single guideline sidelines many otherwise great properties — where land-owned manufactured homes are a key pathway to affordable living.

Our Solution

While many lenders stop the conversation the moment they hear a home has been relocated, X2 Mortgage doesn’t.

We offer a land-home program specifically designed for manufactured homes that have been moved more than once.

This program gives buyers access to homes they’d otherwise be locked out of — and helps sellers and agents move listings that may be overlooked simply due to move history, not condition.

Who’s this program for?

If you're purchasing a manufactured home as your primary residence and the property has been moved more than once, this program is designed for you.

Typical qualification guidelines include:

580 minimum credit score

Major past credit events (like foreclosure) generally must be 5+ years old

Primary residence purchases only

Minimum 5% down payment for most buyers

Flexible debt-to-income limits — up to 50%

 

Why This Matters

This program exists to say yes — where it makes sense.

With flexible credit requirements, low down-payment options, and guidelines tailored for these homes, buyers get more opportunity, flexibility and a real path to home ownership and wealth building- instead of continuing to pay rent. 

Ready to Explore Your Options?

We’ll verify eligibility, walk you through the best options, and help you move forward confidently — before you make an offer or list a home.

📩 Reach out to review a property or get pre-qualified today.

 Let’s make affordable homeownership possible.