Manufactured Home Refinancing
Already own a manufactured home? Our refinance program can lower your monthly payment, shorten your loan term, or give you access to your home's equity — all with a streamlined process and in-house underwriting that moves fast.
At a Glance
- Loan Amount
- $25,000 – $600,000
- Down Payment
- N/A (equity-based)
- Loan Terms
- 10, 15, 20, 25, 30 years
- Best For
- Existing homeowners who want to lower their rate, access equity, or change their loan term.
Rates depend on LTV, credit score, and property type. Request a no-obligation refinance quote.
Equity Required
10%+
Loan Terms
10–30 yrs
Min. Credit Score
600+
Avg. Closing Time
21–30 days
Program Features
- 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
Eligibility Requirements
- Existing manufactured home loan with satisfactory payment history
- Sufficient equity in the home (varies by program)
- Seasoning requirement: minimum 12 months on existing loan
- Minimum credit score of 600
- Valid title and property in acceptable condition
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
Request a Quote
Share your current loan balance, home value estimate, and goals. We'll show you your refinance options and projected savings the same day.
- 2
Application & Payoff
Submit your application and we'll request a payoff statement from your current lender. We handle the coordination for you.
- 3
Appraisal & Approval
We order a new appraisal to establish current value. Our underwriters review the file and issue an approval — usually within days.
- 4
Close & Save
Sign final docs and your new loan funds. If you chose cash-out, funds are available shortly after closing.
FAQs
Manufactured Home Refinancing — Common Questions
For a rate/term refinance, we typically require at least 10% equity. For a cash-out refinance, we generally require 20% equity post-closing. Contact us for your specific scenario.
A cash-out refinance replaces your existing loan with a new, larger loan. The difference between the new loan and your payoff is paid to you in cash at closing — use it for home improvements, debt consolidation, or any other purpose.
Savings depend on your current rate, new rate, remaining balance, and closing costs. Use our mortgage calculator to model different scenarios, or contact us for a personalized savings analysis.
It can — but it doesn't have to. If you refinance into a shorter term (e.g., from 30 to 15 years), you could pay off sooner even with a lower payment. We'll show you multiple term options.
Yes — we refinance both in-park (leased land) and on-land manufactured home loans. Eligibility requirements vary slightly by property type.
More questions? Call (949) 351-4802 or send us a message.
Next Step
Ready to Apply for the Manufactured Home Refinancing?
Complete our 5-minute pre-qualification form. No hard credit pull, no obligation — just a same-day answer on whether you qualify.