What Mobile and Manufactured Home Buyers Should Know in New Hampshire

For many New Hampshire residents, mobile and manufactured homes represent an affordable, flexible path to homeownership — whether as a full-time residence, retirement downsizing option, or a second home. But while they may offer great value, they also come with some unique considerations that traditional home buyers may not encounter.

At Lovlien Realty Group, we’ve helped countless clients purchase mobile and manufactured homes throughout New Hampshire — in resident-owned communities (ROCs), co-ops, parks, and on private land. This guide is here to help you understand what to expect and how to get started.

1. What’s the Difference Between Mobile, Manufactured, and Modular?

Let’s clear up some common confusion:

• Mobile homes: Technically, these refer to homes built before June 15, 1976, before federal construction standards were enacted.

• Manufactured homes: Built after June 15, 1976, these homes are constructed in a factory and delivered in one or more sections. They must meet strict HUD standards.

• Modular homes: Also built in sections off-site, but they are constructed to state and local building codes and are typically placed on permanent foundations like stick-built homes.

Each type has different implications when it comes to financing, inspections, and resale. We're happy to help you identify which category a home falls into and what that means for your purchase.

2. Where Can You Buy Mobile and Manufactured Homes in New Hampshire?

These homes are found throughout the state, often in:

• Resident-owned communities (ROCs) – Co-ops where homeowners own their homes and collectively own the land

• Leased-land communities – You own the home but lease the land it sits on

• Privately-owned lots – Typically more rural or suburban; may require septic and well

• 55+ parks – Ideal for retirees looking for a lower-maintenance lifestyle

Each location type has pros and cons — from affordability to rules and regulations. We’ll help you weigh those differences based on your lifestyle and goals.

3. Can You Finance a Manufactured Home?

Yes, but it works a little differently than traditional home mortgages. Here’s a general overview — but please note:

📌 We are not mortgage lenders. The following is for informational purposes only, and we strongly recommend speaking directly with a licensed mortgage broker to fully understand your financing options. We’re happy to connect you with trusted professionals who specialize in manufactured home financing in New Hampshire.

Financing options may depend on:

• Whether the home is on leased land or private land

• Whether the home is permanently affixed to a foundation

• The age and condition of the home

• Your credit profile and down payment

Common loan types include:

• Chattel loans – Personal property loans for homes not permanently affixed

• FHA Title I or Title II loans – For manufactured homes on permanent foundations

• Conventional financing – Possible for newer, well-maintained homes on owned land

A good lender will walk you through these distinctions and help you determine what’s possible for your unique situation.

4. Inspections and Considerations

Don’t skip the home inspection — even on newer manufactured homes. Key things to inspect include:

• Roof condition (especially on older single-wides)

• Electrical systems (some older models may need upgrades)

• Undercarriage and tie-downs

• Skirting, insulation, and vapor barriers

• Water, sewer/septic, and heating systems

If the home is in a park or co-op, we’ll also help you navigate park approval processes, rules and regulations, and any shared maintenance responsibilities.

5. Why These Homes Are an Incredible Opportunity

The truth is, manufactured homes are one of the most affordable forms of housing in New Hampshire — and in today’s market, affordability matters.

Some benefits include:

• Lower purchase price and taxes

• Faster closing timelines

• Great options for downsizers, retirees, or first-time buyers

• Often located in peaceful, close-knit communities

With the right guidance, mobile and manufactured homes can be a smart and stable investment.

Final Thoughts

Whether you’re looking for a year-round residence, retirement retreat, or simply a more affordable home option, manufactured homes deserve a closer look. With careful planning, due diligence, and a trusted real estate team, you can find a property that suits both your budget and lifestyle.

At Lovlien Realty Group, we understand the ins and outs of this unique market segment. We’ll help you evaluate communities, understand ownership models, and navigate the purchase process from start to finish.

📞 Thinking about buying a mobile or manufactured home? Let’s talk — we’re here to help.
📍 Serving communities across Southern NH, the Lakes Region, and beyond.