4747 Oak Crest Rd Unit 87, Fallbrook
VA Approved Mobile Homes in San Diego
How do I buy a Mobile or Manufactured Home on a VA Loan in San Diego
Under the VA loan program mobile homes and manufactured homes are considered the same. A mobile home or manufactured home is any house that’s built in a factory on a permanent frame called a chassis. A modular home, on the other hand, is built in sections in a factory and then it’s transported and put together and placed on a foundation.
In order for a veteran or active duty military to qualify for a VA loan for a mobile or manufactured home, you’ll need to meet certain criteria. These requirements vary from those for traditional single-family homes and modular homes.
According to the VA loan program, a mobile home must meet the following criteria:
- Classified and taxed as real property
- Attached to a permanent foundation
- Properly affixed to a permanent foundation
- Conform with applicable building code and zoning requirements for real estate.
- Substantially conform with VA minimum property requirements (MPRs)
- These rules ensure that a property is safe to live in and are verified with an appraisal by a VA certified appraiser before you close on a home.
There are some challenges to obtaining a VA Loan for a mobile home. There are two major reasons why many lenders avoid issuing VA loans for manufactured homes.
- Historically, homeowners with mobile homes were more likely to default on their loans.
- Most manufactured homes depreciate in value as time goes on, which is the opposite of most homes.

It can be very difficult to find a VA lender that offers home loans for manufactured homes. If you can’t find a willing lender, you may have to opt for a private loan or a loan through the manufacturer. Otherwise, you may be better off buying a regular home if you want a VA mortgage.
If you would like to learn more about using your VA Loan to purchase real estate in San Diego then please contact The Lewis Team today.
Questions about using your VA Loan to purchase real estate in San Diego?
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When you’re ready to start your VA Home Search then let us know. Here at The Lewis Team we love helping active duty military and veterans.
Thank you for you service!

Let us help you with your VA Home Buying Process.
Dawn Lewis – San Diego Realtor with over 30 years experience!
619-981-3917
Newest VA Approved Mobile and Manufactured Homes in San Diego

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