mom and daughter laughing while painting the exterior of their mobile home


Vocal Credit Union is one of the only financial institutions in our region to offer a Mobile and Manufactured Home Loan so our members have more options getting started as home owners. 

We understand that loans for building a house or covering the cost of purchasing a single family home can be a roadblock to home ownership. Buying a mobile or manufactured home can be a great alternative for our members who want to stop paying rent, and start making loan payments that will help strengthen their credit history. Previously, the available options were limited for this type of financing, so we modified lending policies for our Mobile and Manufactured Home Loan to accommodate this need in our community.

The loan basics are straightforward:

  • Maximum loan amount of $75,000
  • Maximum loan term of 12 years
  • Age of the mobile or manufactured home to be purchased must be under 20 years
  • All members will need to purchase insurance to cover the full loan amount


Vocal’s Mobile and Manufactured Home Loan has a maximum single loan amount of $75,000, and a loan term of 12 years. The Loan to Value (the ratio of a loan to the value of the asset being purchased) will be based on the applying member’s credit score, and an appraisal of the property will be required to qualify for this loan option.  

As with any line of credit we offer, the loan terms will be based on standard underwriting criteria, including, but not limited to, a member’s credit score. Our experienced team will work with you to find the most affordable rate, so payment plans are realistic for where you are now—and help get you where you want to be.


Here’s just one story of how the Mobile and Manufactured Home Loan helped one couple make home ownership a reality, and made us proud to offer personalized service to our members: 

Having just moved back to Montana, a young couple came to Vocal to get some ideas of how they could buy a home with very little credit history. We walked them through our mobile home lending program as an alternative; it seemed to fit the bill. The couple found a mobile home for sale that fit their needs perfectly, but the seller had to move fast. Vocal was able to facilitate and underwrite the loan in the quick timeframe needed, and a Vocal team member personally delivered the check to the seller to meet her deadline. Without Vocal’s quick turnaround and commitment, the purchase would never have been possible.  


Stop by the credit union at 2910 Prospect Ave. in Helena, or call (406) 442-1421 for more details.

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Application Form (PDF)