For clients desiring financing for a new or used mobile home, Elgen Homes recommends comparing rates, terms, and conditions among multiple lenders to find the program best suited to them. Rates and loan acceptance typically depend on FICA credit score, down payment amount, employment and current income (income to debt ratio), and length of loan. Additionally, some lenders limit the age of the home they will finance. Much of the above information and access to a loan application can be found on the lender's website. Some lenders include a mortgage calculation tool on their site so potential clients can determine their monthly payment for principal and interest.

For new homes, clients should consider their bank or credit union for financing. For used homes, these institutions will generally only finance on the "book" value (depreciated value) of the home, not the market value.