AutoMHtic
Minimum credit score: 580.
Manufactured home financing, explained plainly
Compare two direct lender application options, understand minimum credit scores, and learn about home-only, land and home, and investor financing.
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CSL
Minimum credit score: 625. Dealership code: W0852.
Minimum credit scores are lender guidelines and do not guarantee approval.
Common financing questions
What credit score do I need?
Landmark's current lender options list minimum credit scores of 580 for AutoMHtic and 625 for CSL. A minimum score does not guarantee approval; each lender reviews the full application.
How much do I need down?
Down payments vary by borrower and program. Home-only loans often begin around 5–10%, some qualified government-backed programs may be lower, and investors should generally plan for 20% or more.
Can I finance a home for land I already own?
Yes. Owning land outright can strengthen an application and may reduce the cash required at closing, depending on the lender and program.
Do you finance used or repossessed homes?
Financing options for used homes are more limited, but programs do exist. Availability depends on the specific home and applicant.