Montana Home Loan Options
Mobile & Manufactured Home Loans
Vocal Home Loans
Mobile & Manufactured Home Loans
Vocal Credit Union is one of the only financial institutions in our region to offer mobile and manufactured home loans. We’re proud to give our members more options for getting started as home owners in Montana.
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. We continue to evolve our lending policies for our mobile and manufactured home loans to better accommodate this need in our community.
Straightforward & Simple
Our Mobile & Manufactured Loan Terms
- Maximum loan amount of $150,000
- Maximum loan term of 15 years
- Age of the mobile or manufactured home to be purchased must be a 1977 model year or newer
- 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 $150,000, and a loan term of 15 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. We keep payment plans realistic for where you are now and help get you where you want to be.
Frequently Asked Questions
What should I have ready before applying?
It helps to gather basic income information, details about the home you want to purchase, insurance information, and any seller or property documents you already have. Our loan team can explain what else may be needed after reviewing your situation.
Can Vocal help if I am not sure whether to choose a mobile home loan or another home loan option?
Yes. If you are comparing mobile, manufactured, or other home loan options, our loan officers can help you understand the differences and decide which path best fits your goals, budget, and timeline.
Do I need to be a Vocal member to apply?
Vocal’s loan options are designed for members. If you are not currently a member, our team can help you understand membership eligibility and what steps are needed to get started.
Is a mobile or manufactured home loan a good alternative to renting?
It can be, depending on your situation. For some members, purchasing a mobile or manufactured home creates a more realistic path toward homeownership than buying a traditional single-family home. It may also give you the opportunity to build credit history through consistent loan payments.
Can I apply if I have limited credit history?
You may still have options. Vocal works with members to understand their full financial picture, not just one number. If you have limited credit history, our team can walk you through what may be possible and what information we need to review.
Looking for More Options?
Vocal Credit Union Home Loans
We offer a range of Montana home loans for buying, refinancing, or financing a primary residence.
Home Loans
Home Mortgage
Mobile and Manufactured Loans
Making Home Ownership a Reality
Vocal Mobile Home Loan Success Story
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 their deadline. Without Vocal’s quick turnaround and commitment, the purchase would never have been possible.
We’re proud to offer personalized mobile home loan services to our members.
Dallas Rasmussen Appointed President & CEO of Vocal Credit Union
Vocal Credit Union is pleased to announce the appointment of Dallas Rasmussen as its next President and Chief Executive Officer, effective October 1, 2026. Dallas succeeds Eddie Black, who will retire from his role as President and CEO effective September 30, 2026,...
Helena Branch Renovation Update: Phase 2 Underway
Thank you for your patience, flexibility, and support as we continue the remodel of our Helena Branch. Phase 2 of the renovation is now underway and will impact the loan area of the branch. We’re excited about the progress being made and appreciate members continuing...
Helena Branch Renovation Update: Phase 1 Progress and What’s Next
Thank you for your patience as we continue the remodel of our Helena Branch. We’re excited to share that the project is currently on schedule, and we expect to wrap up Phase 1 of the renovation in mid-July. Phase 1 has focused on the Member Service and operations side...
Dallas Rasmussen Appointed President & CEO of Vocal Credit Union
Vocal Credit Union is pleased to announce the appointment of Dallas Rasmussen as its next President and Chief Executive Officer, effective October 1, 2026. Dallas succeeds Eddie Black, who will retire from his role as President and CEO effective September 30, 2026,...
Helena Branch Renovation Update: Phase 2 Underway
Thank you for your patience, flexibility, and support as we continue the remodel of our Helena Branch. Phase 2 of the renovation is now underway and will impact the loan area of the branch. We’re excited about the progress being made and appreciate members continuing...
Apply for a Manufactured and Mobile Home Loan Today!
We can help you reach your home ownership goals within 24 hours of filling out an application. If you’re interested in applying for a manufactured or mobile home loan today, apply online or call us today to make an appointment with one of our knowledgeable loan officers.