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How Much Will My Mortgage Insurance Be What Banks Finance Manufactured Homes American Bankers Urged to Lend More on Manufactured Homes. – Their “I'm HOME” project study of 1.7 billion in loans on manufactured homes demonstrated that these loans performed about the same as conventional housing.Aim to keep your mortgage payment at or below 28 percent of your pretax monthly income. Aim to keep your total debt payments at or below 40 percent of your pretax monthly income. Note that 40 percent should be a maximum. We recommend an even better goal is to keep total debt to a third, or 33 percent.

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