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Pre-owned Financing

Looking to purchase a pre-owned mobile or manufactured home and need a loan? Let Vanderbilt show you the way with Pre-owned Financing! Direct Lending is a mortgage loan program specifically for homebuyers who are looking at purchasing a pre-owned manufactured, modular, or mobile home from a private seller.


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  • You can work with a real estate agent to find pre-owned manufactured homes for sale. Direct Lending loans are available for qualified borrowers to finance the purchase of pre-owned manufactured homes that are being sold by private individuals and that are intended to be used as a residence you intend to occupy for your home.

  • Yes. Direct Lending offers home only loans (chattel loans).

  • Direct Lending takes applications over the phone for pre-owned manufactured homes located in the following states: AL, AZ, AR, CA, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, NM, OH, OK, PA, SC, TN, TX, VA and WV. To complete an application over the phone, call 1-800-239-1578. For other states, please apply online at Apply Today.

Mortgage Payment Calculator

Trying to plan what your payment may look like? Are you renting and want to compare your current rent to an estimated mortgage? We want to give you the tools to plan ahead by providing our Monthly Payment Calculator.

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