What credit score do I need to finance a manufactured home in Washington?

Credit score requirements for manufactured home loans in Washington depend on the loan type and how the home is classified. FHA manufactured home loans require a 580+ score. Conventional manufactured home loans (for homes on permanent foundations) typically require 620+. VA loans for manufactured homes follow standard VA credit guidelines. Chattel loans for homes in parks have varying requirements by lender and are often more lenient on credit but carry significantly higher rates. The property's foundation and title status, not the credit score, is often the more limiting factor.