Financing Modular, Manufactured, Mobile Phone and RTM Homes Factors for funding Funding factory-built houses is determined by a quantity of factors, most abundant in crucial being whether you might be situating the home on land you have, or land you rent such as for example in a Land Lease Community (a.k.a. Mobile house park). When you possess or will possess the land, there are numerous mortgage that is competitive options. The lending options are fewer, generally more expensive for leased land. If you’re to locate that loan for the manufactured/mobile house for a rented/leased lot, sorry to state but – as home loans – we actually have NO financial products available.