VA construction loans may be available for certain manufactured homes that meet VA standards. Single-wide manufactured homes are typically not allowed.
What credit score do I need for a VA manufactured home construction loan?
Jason Noble, COO and VA Loan Specialist, Security America Mortgage, NMLS #352672: “For VA One-Time Close manufactured construction, the minimum is 620, with nothing below 620. VA purchase financing for an existing manufactured home allows for lower scores.”
This minimum applies specifically to VA OTC manufactured construction and does not guarantee approval. Site-built lower-score review tiers do not override it. Existing-home purchase financing is separate; modular-home requirements are reviewed separately.
Read Jason’s answers about land equity, closing costs and his VA OTC lending experience.