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)
*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Rates and terms are subject to change at any time. Please contact the Credit Union for further 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