How Manufactured Home Buyers Are Quietly Overpaying on Interest Rates
Chattel loans cost 1.62 percentage points more than real-property mortgages on manufactured homes—that's tens of thousands in extra interest. Here's why and how to fight back.
Tag chattel loans
How Lenders Set Interest Rates Differently for Manufactured Homes vs Site-Built Properties
Manufactured home loans carry rates 1.5–3 points above site-built mortgages. Here's how collateral classification, loan terms, and agency overlays drive that gap.
Mortgage Rates for Tiny Homes and Non-Standard Properties: What Buyers Are Up Against
Tiny home buyers typically pay 8%–14% in financing costs — 1–3 points above standard rates — because most lenders won't classify them as conventional real property.