The short answer
Yes. You can choose your own lender as long as that lender finances manufactured homes and can handle your type of project.
Compare more than the payment
Ask each lender what is included, what property conditions apply, what documents are required, and whether the loan covers the home, land, installation, and site work you need.
Give lenders the same project information
Use the same home price, selected options, land information, and site-work estimate when asking for quotes. Otherwise, a difference in payments may come from different loan amounts rather than a better offer.
For a mortgage, the CFPB’s loan-comparison tools can help you review a Loan Estimate. Other financing products may use different disclosures. Ask each lender to explain the total costs, required cash, and any items left out of the payment before making a choice.
Make the handoff clear
If you bring your own lender, introduce the loan contact and retailer early. Ask who will send the home specifications, purchase agreement, and installation information. Keep a list of what each side is waiting for. You should be able to compare financing without leaving the retailer guessing about which documents are needed or when the purchase can move forward.