FHA Manufactured Home Loans

Make Your House a Home.

FHA has been helping people achieve their dreams of home ownership since 1934. What does FHA stand for? The Federal Housing Administration, which is a division of HUD or the department of Housing and Urban Development. Typically, FHA loans are able to offer lower down payment and lower interest rates then other loan products because HUD insures the loan. When using FHA to purchase a manufactured home there a few extra requirements that need to be met.

FHA requirements for Manufactured Homes: 

  • The home must be your primary residence
  • The manufactured home must have been built after June 15th, 1976
  • The home must be permanently affixed to a foundation that meets FHA standards
  • Minimum size of 400 square feet
  • Each section of the home must have a HUD certification label
  • The home cannot ever have been moved from its original location of construction.

If you would like to learn more, contact us today!

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Total Lending Concepts
Total Lending Concepts
4.9
Based on 223 reviews
See all reviewsWrite a review
Damon is a fantastic lender. He vowed to beat any other quoted interest rate and seemed truly vested in having us as customers. Throughout the entire process of our real estate purchase, he was extremely forthcoming and responsive to any questions we had, even on weekends. He was eager to engage in conversation with both of our realtors. The app he uses to upload documents, as well as the ability to e-sign most of the documents prior to closing was convenient. However, Damon went above and beyond his duties at closing. We closed on both our new and old homes the same day. I required two emergency surgeries and was still hospitalized on closing day. Appealing to my wish to remain on schedule, Damon arranged for a notary to help me sign documents on both properties since I couldn't appear in person. I cannot say enough good things about Damon and TLC. He made our transaction smooth and worry free. Thank you, Damon. Our experience was 100/5 stars!
Marsha Posz
Damon Volkart was amazing to work with! As a first-time homebuyer, I had a lot of questions, but he made the whole process super easy and straightforward. He was always quick to respond, super helpful, and just a great resource all around. I felt totally supported from start to finish. Couldn’t have asked for a better experience—highly recommend!
Wiley Loyd
As a first-time homebuyer, I was a bit nervous about the whole process, but Damon Volkart made it an incredibly smooth experience from start to finish. Not only did he help me navigate everything, but he was also able to match and even beat the offers I received elsewhere, securing me a fantastic deal.What truly stood out was his dedication and efficiency. Despite my tight timeline, Damon worked tirelessly to ensure my loan closed on time, and I couldn't be more grateful for his efforts. He was always available to answer my questions and kept me informed every step of the way.I highly recommend Damon and his team to anyone looking for a knowledgeable, reliable, and proactive lender. I’ll definitely be recommending him to others!
Aastha Lamichhane
Tessa at TLC has been awesome. My 1st time buying experience was initially stressful and uncertain but Tessa was very clear in her communication and patient with my questions. She made it very clear of what was needed from me and how she could help guide me through the buying process. I never thought I'd be a home owner. Thanks to Tessa and TLC, my dogs have a huge yard, my house is super cool and I can follow my hobbies and interests in the space I get to call home.Thank y'all and especially Tessa. Your care means a lot.Arron McDaniel.
Mack Action
I’m so blessed!!! I thank God for putting the right people around me in this move.Big shoutout to Mrs.Tessa Jackson and Denzell Williams I just want to say thank you guys for helping me and my family. We are so grateful and excited for this new chapter.
Dee Will
Christine Germann
Couldn’t have asked for a better experience as a first time home buyer! If you are the apprehensive or super anxious type you will rest assured with Damon! He is very re assuring and will keep you updated throughout the entire process!!
Casey Gordon
Everything went smoothly with a fast close. Recommend.
Bryan Stevens
As a first time home buyer Damon Volkart helped make the process clear and as easy as possible for me. He answered my questions and responded to my calls promptly and professionally. I can not honestly think of anything more I could ask from him. I never had to wait for days for him to call, or text back. He was always on top of things and was detail-oriented. Outstanding job, Damon!!
Eric Collins
Damon was fantastic to work with and helped us though the home buying process l for us as first time home buyers! He is super patient and was able to answer any questions we had!!
Dale Scott
Tessa with Total Lending Concepts has been absolutely amazing to work with! Tessa will keep in touch every step of the way to let you know everything is on track and going smooth! We highly recommend her!
Lindsey Baney
This was my first time buying a house EVER. I went in completely unaware of what I was doing, and Mitch absolutely pulled me out of the dark and gave me confidence in what I needed. Despite my constant confusion and inexperience, he gracefully walked me through the process. He took time to help me at the drop of a hat, and I couldn't have asked for a better person to be in my corner during such an already stressful process. Admittedly, there were moments where my inexperience gave way to frustration, and Mitch took that in strides and did everything to make me feel like everything was going to be okay. If ANYONE needs help getting the best home loan possible, I cannot recommend Mitch Richards enough. He has truly changed my life.
Owen Wilson
I recently bought my first house, and had the pleasure of working with Damon. I could not have asked for a better experience- Damon was extremely responsive, answered all of my questions in detail, and made me feel entirely capable throughout the process. I feel extremely fortunate to have found TLC and largely credit Damon with my (surprising) lack of anxiety entering into homeownership.
Alexandra Morphew
Tessa with Total Lending Concepts has been amazing to work with! She explains everything perfectly and is very helpful. Tessa stays in touch every step of the way even if nothing is needed she called just to touch base and let us know everything is on track! We highly recommend her!
Heather Ray
I highly recommend TLC. Damon Volkart took the stress out of the home buying process. Thank you for making the process quick and easy!
Maggie Richmond
I would highly recommend this company!! If you're in a spot where your getting denied by banks and credit unions because of your credit isn't perfect, TLC can make it happen! We worked with Duanna and let me tell you, she went above and beyond for us. We were stressed and honestly a bit difficult to work with during a time or two through the home buying process. She was so patient, kind and professional with us through out. She walked us through this step by step and was extremely responsive with every question. If she missed a call from us she would literally be calling us back in less than 10 minutes. Seriously Duanna is the best!!!
Sarah Bowen
I had the pleasure of working with Jacob Robertson, and I couldn't be more impressed. Jacob went above and beyond to secure the best financing for my clients. His expertise and dedication made the entire process remarkably smooth. I highly recommend Jacob for his outstanding service and commitment to excellence.
Payne Stark
Amazing staff. Tessa Jackson is very helpful with the buying process. Step by step explains what us needed and why. Works to ensure the best options for the buyer loan wise. Highly recommended for you home loan buying needs. Also veteran friendly and supportive.
Rusty
i'm working with them now and they have been great with me even with all my anxiety ! Which says a lot of about their character. good people
Emily Manning
Getting a home loan can seem super overwhelming especially for our first time and Duanna was so responsive, so helpful, and answered every question to help us understand and feel informed. I cannot recommend her and TLC enough. Duanna Frerking is the absolute best.
Aylya Marzolf
Damon was awesome! He helped us with the loan process each step of the way. He answered all of our questions promptly and helped us confirm that we purchased the correct type of homeowners insurance. We especially liked the videos from TLC that we'd receive each time we reached a milestone in our loan process. Thanks Damon!!
Adriana Montenegro
Paige Flood
We had a great experience with TLC. We worked with Duanna and her team & everything went smoothly, communicating was easy over text or through the app.
Madison Anderson
Worked with Julz and her staff. Amazing experience! Highly recommend!
Julie Coon
Damon was very helpful explaining the loan process!
Jesse McInvale
Damon lead us through the process without a hitch. His professionalism and attention to detail helped make for a good experience.
tron jordheim
Damon was absolutely excellent through my loan process! Answered any questions I had and closed my loan in under 30 days!
CDooley
Damon was a tremendously helpful asset in purchasing our new home. He was always present any time we needed assistance with even the simplest of questions. He told us the financing would be the most stress free component of our move and he was absolutely correct. I wouldn't allow anyone else to help my family with such an important task. Words cannot express our gratitude. If you have the slightest trepidation about purchasing a new home go with this guy. He's the best. Thank you for all your help Damon, the pleasure was truly ours. -The Sangsters.
B S
Tessa Jackson made my first home buying experience as smooth as possible! Even with a few bumps in the road, she always remained helpful and optimistic! She was willing to answer any questions I had, day or night! I highly recommend her as she is very professional, knowledgeable and overall a great person to work with!
Dakota Lihvarchik
We want to give a big thank you to Damon! Our experience purchasing our home was as smooth as it could be and we couldn't be more happier. Again thank you Damon for this wonderful experience. Todd and Julie Redel
Julie Redel
We worked with Tessa for our purchase! She was exceptional!!
Lenze Shannon
We worked with Tessa from TLC. She went above and beyond to help us and worked extremely hard to help us close very early. Definitely will use them again.
Zachary Townsend
Damon Volkart and TLC are mortgage lending Rockstars!!We recommend them to anyone that is purchasing or thinking about purchasing a home.
Brett Shearer
Working with Damon at Total Lending Concepts was a wonderful experience for our first time buying a home! Purchasing a home is no easy task, but with the help of TLC, we knew we were well taken care of from start to finish. Will definitely continue doing business with Damon and TLC for our future endeavors! Yay for homeownership!
brittany Adelle
Damon was great to work with. He was professional and friendly.
Michael Albrecht
Damon you are AWESOME!! Thanks for everything, especially for calming me down when I would lose my sh*#!!! 😜We trusted you and it all worked out the way you said! Thank you again, you rock!!!
Rachelle Caldwell
Whatever your lending needs Damon and TLC will take care of you like family
Ryan Price
Ernie Wren was highly professional and walked us through every step of the process. We received exceptional customer service from him and his team. We highly recommend for any lending needs!
Tara B
Mitch and his team at TLC were amazing! First time home buyer after my divorce and was relocating for a new job in another state. He walked me through each process, answered all my questions and provided local realtor contacts to help in my search. The process has been super easy and I can’t thank Mitch enough for the work he put into helping me secure our home. 10/10 recommend Mitch and the team at TLC!
Leah Wellenstein
Our experience Damon was wonderful. He helped us to buy a home for our daughter. Making her dream a reality. He answered all our questions. Was very prompt with returning calls,text and emails. He was always friendly patient. I would definitely recommend him to anyone needing his services. Thanks again Damon!
Sharon JANSEN
Not a first time buyer, but my credit is less than stellar. This process has been surprisingly smooth, and Mitch has been fantastic through the whole thing! Cannot recommend TLC enough!
ruby spitfire
Damon has done multiple loans for our family and always provides top notch service!
Sarah Hollenberg
Stephanie Flattem did an awesome job! She always was quick to respond and was able to explain the process thoroughly. Would definitely recommend her to anyone looking to buy a home.
Okla Fitzpatrick
This was my first home buying experience. Damon was able and willing to answer all my questions and even explain how the process worked. He made this process incredibly comprehensive and calming. I appreciate all the time he put it and the late night conversations we had whenever I was feeling anxious or overloaded with all the information. Damon is truly an angel and I appreciate all the time and effort he put into my home buying experience.
Emily Moore
This has been a smooth transition switching over to TLC midway through the purchase of my new home. Connor and his team have been amazing to work with and are always quick to respond. We have been able to work through email, text and the app making it easy to respond while at work.I would highly recommend using them if considering a mortgage.
Robbi O’Neill
Have to share an amazing experience we've had working with Ernest Wren. From day 1 our journey started Ernie was in our corner, for any questions or concerns. Available anytime I needed something even to ask a simple question.Ernie pulled out all the stops to make our dream home come true, working with us every step, making sure documentation was squared away, communication was on point, deadlines were met and most important the open communication.From the day our journey started to the day we closed its has been a memorable unforgettable experience.If your wanting to get a home. I would highly recommend Ernest Wren in your corner!!!
Jacob Maresh
Working with Damon made the process very simple. He answered all our questions and handled everything perfectly. Highly recommend giving him a call if you are in looking to purchase a home or refinance.
Kalip Davidson
Ernie Wren - what can I say? What a guy! professional, knowledgeable, patient, and persistent. We charged Ernie with finding a needle in a haystack - low credit score, first time home buyer, FHA requirements, family of six, very little savings. He waded through uncharted territory on two homes that fit most of the bill - the first had a lagoon issue which was totally in violation of current laws, and did not have the required land to remedy the situation - even with an engineered system that would have cost upwards to $50,000. The second was perfect - except a complete home inspection could not be done because part of the house was sealed off due to bats having lived there. Wrong time of year to move them; and restoration would have been extensive and expensive on the entire upper level. This guy hung in there for over a year, helping navigate all loan requirement issues, down payments, etc. while still keeping all parties involved in the loop. He deserves a place in heaven - because his persistence paid off, and a house was found in November and after a few more financial wrinkles we were able close in mid-December - just in time for Christmas! I/we would highly recommend Ernie Wren.
Karen Meldrum
I WAS a first time home buyer and Damon was A1. Extremely informative, friendly, and on top of everything. Very happy that I was working with him and would recommend anyone to use him.
KcMr3000
Damon at TLC was great to work with and on the ball with making sure the process went smoothly.
Trent Terry
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the Federal government fight the funding of terrorist and money laundering activities, the Federal law now requires all financial institutions to obtain, verify and record information that identifies each person who opens an account or applies for a loan.

WHAT THIS MEANS TO YOU

When you open an account or apply for a loan, we will ask for your legal name, address, date of birth and other information that will allow us or others to identify you. We will also ask to see your valid driver's license or other identifying document.

NOTICE TO ALL APPLICANTS

A Consumer Report may be requested in connection with this application for credit or any future update, renewal, or extension of such credit.  Upon request, you will be informed whether or not a consumer report was requested.  If a report was requested, you will be informed of the name and address of the consumer reporting agency that furnished the report.