This guide is part of my statewide financing library — the plain-English rundown of how each loan type works for Kentucky buyers, from Lexington subdivisions to Gorge cabins and everything between. I’m your agent, not your lender: programs described here come from licensed third-party lenders, and I’ll gladly introduce you to ones who know Kentucky.

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What You Can Use It For

• Buying a single or double-wide home, with or without the land under it
• Financing home-and-land packages in one loan
• Refinancing an existing mobile home — including cash-out for repairs or debt consolidation
• Replacing an aging unit on land you already own

Why Borrowers Choose It

• No age restriction on the home — older units aren’t automatically dead deals
• No acreage restriction — rural parcels stay eligible
• One loan can cover both the home and the land
• Only 12 months of income history needed, which helps newer workers and the recently self-employed

Program Highlights

• Single or double-wide homes
• No age or acreage restrictions on the mobile home
• Loans up to 75% LTV (includes home & land)
• Purchase or refinance, with cash-out options available
• Only 12 months of income history needed
• FHA, VA (0% down for veterans), USDA, and conventional manufactured programs also available, including dealer draw financing for land-and-home packages

Highlights reflect lender program guidelines at the time of writing — programs change, and your terms depend on your full application.

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Manufactured Housing in Eastern Kentucky

In Lee, Owsley, Wolfe, and Breathitt counties, manufactured homes are a backbone of the housing stock — and the hardest homes to finance through big-bank retail channels. Local files with land included, older units, or family land transfers are exactly what these programs handle. We also structure dealer land-and-home packages with staged draw disbursements for site prep, foundation, septic or well, utilities, and delivery.

Common Questions

Does the home have to be permanently affixed?

Programs exist both ways — real-property loans for homes on permanent foundations and chattel financing for the home alone. Which one fits depends on the title status and whether land is included; that’s a five-minute conversation.

Can veterans really get a manufactured home with nothing down?

VA financing for qualifying manufactured homes can go to 100% for eligible veterans. Certificate of Eligibility required — bring your DD214 and we’ll check it quickly.

Equal Housing Lender. This is not a commitment to lend or extend credit. Programs, rates, terms, and conditions are subject to change without notice; all applicants are subject to credit and underwriting approval, and not all applicants will qualify. Program details shown reflect available lender guidelines at the time of writing and may differ at application. Consult your accountant about tax matters. The loan programs described on this page are offered by licensed third-party lenders, not by Marcos Gil. Marcos is a licensed Kentucky real estate agent — not a mortgage loan originator — and can introduce you to a licensed loan officer for any program here. Verify any lender or loan officer at NMLS Consumer Access: nmlsconsumeraccess.org.