The homes other lenders won't touch.

Most banks and hard money lenders decline manufactured and mobile homes outright. Versara doesn't. We finance pre-1976, pre-HUD-code homes, single-wides, and manufactured homes that need to be affixed to close.

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*Starting rate and maximum leverage are for qualified transactions and subject to underwriting; actual rate, LTV, and LTC vary by deal, program, and state. Business-purpose loans to entities secured by non-owner-occupied property only. Terms subject to underwriting; rates and terms vary by deal and state. BK #0944451.

Versara snapshot

Updated August 2026

Interest rate12%*

Down paymentMin 20% down

Term6–12 months

Eligible homesPre-1976, single-wides OK

Snapshot only. Full term sheet below. Subject to underwriting; rates and terms vary by deal and state.

Current Terms

Versara term sheet

Updated August 2026

Interest rate: 12%*
Origination: 1 point at closing
Doc fee: $495
Down payment: Minimum 20% down
Term: 6–12 months
Home requirement: Must be affixed to a permanent foundation on the real property
Title requirement: The home must be titled as real property. The vehicle or chattel title has to be surrendered and the home recorded with the land before closing. We do not lend on chattel-titled homes
Eligible homes: Pre-1976 (pre-HUD-code), single-wides, and previously un-affixed manufactured homes
Borrower: Business entities (LLC, corporation, partnership), non-owner-occupied only
Credit: Bad credit, bankruptcy, foreclosure, and short sales workable, since we underwrite on equity
Speed: Same-day qualification · funding in as little as 24 hours on qualified products

*Terms, rates, and fees are subject to change without notice and are not a commitment to lend. All loans are for business or investment purposes only, subject to underwriting approval and executed documentation. Rates and terms vary by deal and state.

Row of manufactured homes in a well-maintained investment community

How Versara Works

Financing the affordable housing other lenders skip.

Manufactured and mobile homes are some of the last affordable housing in our markets. Most lenders still reject them over thin comps, missing HUD tags, or title issues. We built Versara to say yes to exactly those homes.

Pre-1976, pre-HUD-code homes, single-wides, and un-affixed manufactured homes considered
Home must be affixed to the real property to close. We help borrowers get there
Minimum 20% down, 1 point origination, $495 doc fee
6–12 month terms sized to the deal
Funding in as little as 24 hours on qualified products

Manufactured & Mobile FAQs

Before you apply.

All FAQs

Do you finance pre-1976 mobile homes?

Yes. Versara lends on pre-1976, pre-HUD-code manufactured and mobile homes most banks and hard money lenders won't touch, plus single-wides and other manufactured housing that doesn't fit a conventional file.

Does the home need to be affixed to the land?

Yes. The home must be affixed to a permanent foundation on the real property to secure the loan. We work with un-affixed homes too. It just needs to be affixed by the time we close.

Why do banks decline manufactured homes?

Banks treat manufactured and mobile homes as riskier collateral: appraisal comps are thin, resale value is harder to model, and pre-1976 homes lack the HUD certification most bank guidelines require. More than half of manufactured-home financing applications get denied industry-wide. Versara underwrites the property and the deal in-house instead.

How fast can Versara fund?

Applications get same-day review, and funding can happen in as little as 24 hours on qualified products because underwriting, draws, and closing all happen in-house.

Where Versara Lends