If 7.5% is what the manufactured-home market actually offers and the payment is comfortable, there's no reason to lose sleep. Manufactured and land-home financing lives in a much smaller lending world than site-built homes. Far fewer investors buy these loans, so you can't shop them across dozens of banks the way you can a conventional purchase, and as a group they price higher and carry somewhat stricter guidelines. A rate that looks high next to a site-built quote can still be a normal, fair rate for this loan type. The check that matters: make sure you compared what was actually available to you, same loan type and terms, rather than to a conventional rate that isn't on the menu for a manufactured home. If you did, and the payment fits your budget, you're fine. This rate also isn't necessarily permanent. If rates come down across the market, manufactured-home pricing tends to come down with them, which could open a refinance later. Nobody can promise that happens or when, so treat it as upside rather than the plan, and buy the home on a payment that works for you now.