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Credit Score Requirements for Mobile Home Loans
Understand the credit score requirements for different types of mobile home loans and learn how to improve your credit profile.
The Mobile Home Guy 5 min readMarch 10, 2026
Credit Score Requirements
Your credit score plays a crucial role in loan approval and interest rates.
Minimum Credit Scores
- Chattel Loans: 580+
- Mortgages (with land): 620+
- Prime Programs: 660+
- Best Rates: 720+
What Affects Your Credit Score?
- Payment History (35%)
- Credit Utilization (30%)
- Length of Credit History (15%)
- Credit Mix (10%)
- New Credit Inquiries (10%)
Improving Your Credit Before Applying
- Pay bills on time
- Reduce credit card balances
- Avoid new credit inquiries
- Check for errors on your credit report
We work with borrowers across the credit spectrum. Contact us today!
Related Topics
credit scorecredit requirementsFICO scorecredit improvementloan eligibility