In-Park Manufactured Home Loans
Our in-park loan program is purpose-built for buyers financing a manufactured or mobile home on leased land inside an approved mobile home park. We accept homes of any age, keep the process simple, and close fast — with down payment options as low as 5%.
At a Glance
- Loan Amount
- $25,000 – $300,000
- Down Payment
- 5% – 20%
- Loan Terms
- 10, 15, 20, 25 years
- Best For
- Buyers purchasing a home inside a mobile home park on leased land.
Rates typically 2–3% above conventional — contact us for a personalized quote.
Min. Down Payment
5%
Loan Terms
10–25 yrs
Min. Credit Score
580+
Avg. Closing Time
~21 days
Program Features
- 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
Eligibility Requirements
- Home must be in an approved, licensed mobile home park
- Verifiable income and valid government-issued ID
- Home must meet minimum condition standards
- Minimum credit score of 580 (lower scores reviewed case-by-case)
- Proof of park approval / lot lease agreement
Not sure if you qualify?
Submit a pre-qualification — no hard credit pull, and you'll hear back same day.
The Process
How It Works
From pre-qualification to closing, here's exactly what to expect.
- 1
Quick Pre-Qualification
Complete our short online form. We'll review your scenario and give you a same-day decision — no hard credit pull required at this stage.
- 2
Application & Documents
Submit your full application with income docs, ID, and park lease agreement. Our team handles the heavy lifting.
- 3
Appraisal & Approval
We order an in-park appraisal and run your file through in-house underwriting for a fast, reliable decision.
- 4
Close & Move In
Sign final documents and you're done. Most in-park loans close in about 21 days from application.
FAQs
In-Park Manufactured Home — Common Questions
Yes — unlike many lenders, we consider homes of any age as long as they meet our minimum condition standards. Age alone is not a disqualifying factor.
We require homes to be in licensed, established parks. We review the park's history and lease terms during underwriting to minimize risk to both you and us.
Lot rent is a separate monthly cost paid directly to the park. Our calculator lets you add it as an HOA/lot rent line to get your full housing expense estimate.
No — that's what makes this program unique. The home serves as the primary collateral, so you can finance without owning the land beneath it.
We work with scores as low as 580. Scores below 620 may require a larger down payment or slightly higher rate. Contact us to discuss your specific situation.
More questions? Call (949) 351-4802 or send us a message.
Next Step
Ready to Apply for the In-Park Manufactured Home?
Complete our 5-minute pre-qualification form. No hard credit pull, no obligation — just a same-day answer on whether you qualify.