Loan Programs
Financing Built for
Manufactured Homes
Three programs. One lender. Whether you're buying in a park, purchasing land & home together, or refinancing an existing loan — we have a solution that fits your situation.
Our Programs
Find the Right Loan for Your Situation
Each program is designed for a specific type of manufactured home purchase or refinance. Select the one that best matches your situation.
In-Park Manufactured Home Loans
Finance a home in a mobile home park — no land ownership required.
Min. Down Payment
5%
Loan Terms
10–25 yrs
Min. Credit Score
580+
Avg. Closing Time
~21 days
- Homes of any age considered
- Down payments as low as 5%
- Fixed & adjustable rate options
- Approvals in as little as 24 hours
- No prepayment penalty
- Flexible income documentation
On-Land Manufactured Home Loans
Own the home and the land — with our best rates and longest terms.
Min. Down Payment
5%
Loan Terms
10–30 yrs
Min. Credit Score
600+
Avg. Closing Time
~30 days
- Purchase & refinance available
- No PMI required
- Flexible terms from 10 to 30 years
- In-house underwriting for fast decisions
- Our lowest rate program
- Titling assistance included
Manufactured Home Refinancing
Lower your rate, reduce your payment, or tap your equity.
Equity Required
10%+
Loan Terms
10–30 yrs
Min. Credit Score
600+
Avg. Closing Time
21–30 days
- Rate & term refinance
- Cash-out refinance available
- Consolidate higher-rate debt
- Shorten or extend your term
- In-park and on-land properties
- Quick closings — typically 21–30 days
Decision Guide
Not Sure Which Program Fits?
Answer two quick questions and we'll point you to the right program. Or call us — our loan officers can find the right fit in minutes.
Talk to a Loan OfficerDo you own the land under your home?
Do you already have a manufactured home loan?
Compare
Side-by-Side Program Comparison
All three programs share the same commitment to speed and service — here's how their terms differ.
| Feature | In-Park Manufactured Home | On-Land Manufactured Home | Manufactured Home Refinancing |
|---|---|---|---|
| Land Ownership Required | Not required | Required | Either |
| Minimum Down Payment | 5% | 5% | N/A |
| Loan Terms | 10–25 years | 10–30 years | 10–30 years |
| PMI Required | Not required | Not required | Not required |
| Home Age | Any age | Any age | Any age |
| Typical Closing Time | ~21 days | ~30 days | 21–30 days |
| Cash-Out Refinance | Not available | Available | Available |
| In-House Underwriting | Yes | Yes | Yes |
| Learn More | Learn More | Learn More |
* All terms subject to credit approval. Rates and conditions vary. Not a commitment to lend.
Why Us
The MH Lending Difference
Any-Age Homes
We finance homes of any age across all programs — something most lenders won't do.
In-House Underwriting
No waiting on third-party lenders. Our underwriters work your file directly for faster decisions.
3,500+ Served
Over 10 years and 3,500+ homeowners helped across 5 states.
Specialists Only
Manufactured home lending is all we do — not a side product at a big bank. Deep expertise, every time.
FAQs
Common Questions
We currently serve AZ, CA (DRE), ID, OR, WA. Contact us if your state isn't listed — our coverage area is growing.
Manufactured homes are built entirely in a factory to HUD federal standards and transported to the site. Modular homes are also factory-built but to local/state building codes and are typically treated more like stick-built homes for financing purposes. We specialize in manufactured and mobile home loans.
Yes — unlike many lenders that restrict financing to homes built after 1976, we consider homes of any age across all our programs, subject to condition standards. This opens financing to a much wider range of buyers.
The key question is whether you own the land under your home. If you're in a park on leased land → In-Park. If you own or are buying land → On-Land. If you already have a loan → Refinancing. Not sure? Call us and we'll point you in the right direction in minutes.
In-park loans typically close in about 21 days. On-land loans run about 30 days. Refinances range from 21–30 days depending on property type. We use in-house underwriting to avoid delays.
Most applications require: government-issued ID, last 2 pay stubs (or 2 years of tax returns if self-employed), last 2 bank statements, and property information (park lease agreement, land deed, or current loan statement for refinances). We'll give you a complete checklist after your pre-qualification.
Have a question not listed? Contact us or call (949) 351-4802.
Ready to Get Started?
Get Your Free Pre-Qualification Today
Takes less than 5 minutes. No hard credit pull. One of our loan officers will follow up with your personalized rate and program recommendation.