Manufactured Home Loans

Financing options for an affordable second home.

Finance your manufactured home with Hughes.

Financing with Hughes means flexible terms and competitive rates. Let Hughes help you realize your dream of owning a second home and get started on our simple loan process today!

Features & Benefits

  • Manufactured home not affixed to land
  • Manufactured home 15 years or newer
  • Owner-occupied second residence only
  • Terms up to 180 months (15 years)
  • Maximum financing 85% of appraised value



  • 6.50% APR*
    Manufactured, Mobile Home, Park Model Loans (Adjustable Rate)
  • 7.25% APR*
    Manufactured, Mobile Home, Park Model Loans (Fixed Rate)
Effective Date: 05-29-2020

*Annual Percentage Rate (APR) and loan terms can affect your monthly payment. Consider the following Manufactured Home Loan example:

Fixed Rate: A loan amount of $125,000 for 180 months at 7.25% fixed APR will have a monthly payment of $1,141.08.

Adjustable Rate: A loan amount of $125,000 for 180 months at 6.50% adjustable APR will have a monthly payment of $1,088.88. Adjustable rates are subject to increase after initial fixed-rate period.

Association dues, down payment, property tax and private mortgage insurance (PMI) is not included in payment example. All loans subject to approval. Certain restrictions may apply. Property financed must be an owner- occupied second home with a maximum financing of 85% of appraised value. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment and/or mortgage insurance may be required. Contact a Hughes Federal Credit Union mortgage representative for additional information.

Why Manufactured Home Loans ?

Second home buying made easy.


Speedy Turnaround

Once we receive your application, we’ll contact you promptly to get everything finalized.  


Flexible Terms

Up to 180 months (15 years).


Unlock Value

Maximum financing 85% of appraised value.



Manufactured / Mobile Home Loan Frequently Asked Questions

You must qualify for membership, have a credit score of at least 581. Your debt-to-income will also be evaluated as well as the loan-to-value.

You may join Hughes Federal Credit Union if you:

  • Live, work, worship or attend school in Tucson
  • Are employed by one of our Select Employer Groups
  • Have a family / household member who is a member of Hughes: Family member – a spouse, child, sister/brother, parent, grandparent, grandchild, stepparent, stepchild, stepsister/brother, or adopted child. A household member is a person living in the same residence sharing household expenses.
  • Make a small donation to one of the following community Special Interest Groups:
    • Friends of the Oro Valley Public Library
    • Friends of the Pima County Public Library
    • Friends of the Green Valley Public Library
    • Tucson Audubon Society