Information We Need:

• Is your home on Land or in a Park?
• What is the Year/Manufacturer and the Size of home
• What Program(s) are you interested in (purchase, refinance, debt consolidation, cash-out or home improvement)
• A brief understanding of your credit history (if available)

If you live in California and need financing for your manufactured home you’ve come to the right place. We are your locally owned loan source for mobile homes, manufactured homes and conventional home mortgages. Our Fast and Easy loan process designed to save you time and money.No login required!

 

Our Products:

In-Park or Leased Land, Private Land Not Owned by the Borrower or Home-Only
- Non-conforming, Lender Portfolio Personal Property Loans

Land and Home (Title eliminated, Non-Title eliminated, Permanent Foundation, Non-Permanent Foundation)
- FHA and VA (Double and Triplewides only on Permanent Engineered/Certified Foundation)
- FNMA (Doublewide and Triplewide only on Permanent Foundation)
- Non-conforming, Lender Portfolio (Doublewide/Triplewide only no foundation/title elimination required)

Our Programs:

New Home Purchases, Refinance, Debt-Consolidation, Cash-Out, and Home Improvements

Pre-qualification fees: No Upfront Application or Credit Bureau Fees to obtain pre-qualification.

Rate Products: We offer Fixed, Variable and Step Rates. Some restrictions may apply based on State.

Interest Rates: Rates range from 7.4% to 12% depending on overall credit quality, age of home, collateral type, loan amount, loan-to-value and type of interest rate program selected. Your rate will be determined and outlined on your Pre-Qualification letter.

Loan Terms:

Home Only: Up to 25 years, based on age of home and loan amount and program.
Land and Home: Up to 30 Years, based on age of home, loan amount and program.

Down Payments:

Home only Purchase: 5% based on excellent credit. 10%-20% down based on good to average credit history.
Land and Home Purchase: FHA 3.5% down, FNMA 20% down, Non-Conforming 10% down, all based on credit history and age of home and program selected

Occupancy: Owner occupied only - No rental, Investment, Buy-for Family/Friends or Co-signer programs.
Second or Vacation Homes in resort/recreational locations are acceptable

Minimum Loan Size:

Home Only: $15,000 (singlewide, doublewide and triplewide)
Land and Home: $60,000 (Doublewide and Triplewide only)

Age of Home:

Singlewide: 1994 or newer
Doublewide and Triplewide: 1976 or newer POST-HUD (exceptions available in CA)

No Prepayment Penalties: Pay-off your loan early, make additional payments or refinance without a penalty.

Bank Repossessions/HUD Foreclosures: We do not offer financing for repossessions or foreclosed properties.

Read more about the Purchase / Loan Process