Everything You Need to Finance with Confidence

A manufactured home loan is a specialized mortgage designed for homes built in a factory to HUD federal standards. Unlike traditional mortgages that finance site-built homes, these loans account for the unique characteristics of manufactured housing — including whether the home is on leased land (in-park) or land you own (on-land).

We currently lend in Arizona, California, Idaho, Oregon, and Washington. Contact us to discuss your situation if you're located outside these states.

Yes — unlike most lenders who restrict financing to homes built after 1976, we consider homes of any age across all our programs, subject to minimum condition standards. Age alone is not a disqualifying factor.

"Mobile home" typically refers to factory-built homes constructed before June 15, 1976 (pre-HUD Code). "Manufactured home" refers to factory-built homes built after that date to HUD federal standards. "Modular homes" are also factory-built but to local/state building codes and are treated more like site-built homes for financing. We specialize in manufactured and mobile home loans.

Our programs primarily support primary residence purchases. Some programs may accommodate second homes on a case-by-case basis. Contact us to discuss your specific situation.

An in-park loan finances a manufactured home located on leased land within a mobile home park or community. The home is the primary collateral — you don't need to own the land beneath it. This is our most accessible program and accepts homes of any age.

Our in-park program requires as little as 5% down. The exact requirement may vary based on your credit score, the loan amount, and the home's condition.

No — lot rent is paid separately and directly to the park. It's an important part of your total monthly housing cost. When budgeting, add your lot rent (typically $500–$800/month in our service area) to your loan payment to get your full monthly obligation.

We require homes to be in licensed, established parks with stable management. During underwriting, we review the park's history and lease terms. Many parks include relocation assistance provisions, and some states have laws protecting residents in the event of park closure.

Yes — a lot lease agreement is exactly what makes you eligible for the in-park program. We'll review the lease during underwriting to confirm it meets our requirements.

An on-land loan finances a manufactured home that sits on land you own (or are purchasing simultaneously). This is our best-rate program because the land and home together provide stronger collateral. Terms extend up to 30 years and no PMI is required.

No — a permanent foundation is not required for our on-land loans. This is one of the ways we stand apart from conventional lenders and can help buyers finance a broader range of properties.

Absolutely. We can structure a combined land + home purchase in a single loan. This simplifies the process and avoids the cost of a separate land loan. Let us know during pre-qualification that you're purchasing both.

No — we don't require private mortgage insurance (PMI) on our on-land program, even with less than 20% down. This saves you money every month compared to many conventional mortgage programs.

HUD certification means the home was built to the federal HUD Manufactured Home Construction and Safety Standards. Certified homes carry a red HUD label on the exterior and a data plate inside. Most homes built after June 15, 1976 are HUD-certified. We can help you verify certification during the process.

Refinancing generally makes sense when you can lower your interest rate by at least 0.5–1%, when you want to shorten your loan term, when you need cash from your home's equity, or when you want to remove a co-borrower. Use our mortgage calculator to model potential savings.

A cash-out refinance replaces your existing loan with a new, larger loan. The difference between the new loan amount and your payoff is paid to you in cash at closing. Common uses include home improvements, debt consolidation, or covering major expenses. We typically require at least 20% equity post-closing.

For a rate/term refinance, we generally require at least 10% equity. For a cash-out refinance, we typically require 20% equity remaining after the cash is taken out. Exact requirements depend on your credit profile and property type.

It can, but it doesn't have to. If you refinance into a shorter term — for example, from 25 years remaining into a new 15-year loan — you could pay off faster even with a lower payment. We'll present multiple term options so you can choose what fits your goals.

Yes — we refinance both in-park (leased land) and on-land manufactured home loans. Eligibility requirements vary slightly by property type. In-park refinances may have lower loan-to-value limits than on-land properties.

Manufactured home loans are typically priced 2–3% higher than conventional mortgage rates due to the collateral type and risk profile. In-park loans (leased land) carry the highest rates because the land isn't owned by the borrower. On-land loans have rates closest to conventional mortgages. Improving your credit score and increasing your down payment are the best ways to get a lower rate.

Yes. Fixed-rate loans lock in your interest rate for the life of the loan — ideal if you plan to stay long-term and want payment stability. Adjustable-rate options may offer a lower initial rate but can change over time. Most of our borrowers choose fixed-rate loans for the predictability.

Our in-park program ranges from $25,000 to $300,000. Our on-land program and refinance program go up to $600,000. Minimum loan amounts start at $25,000. Contact us if your loan amount falls outside these ranges.

No — none of our programs include a prepayment penalty. You can make extra payments or pay off your loan early at any time without fees.

In-park loans offer terms of 10, 15, 20, and 25 years. On-land loans and refinances offer 10, 15, 20, 25, and 30 years. Shorter terms mean higher payments but less total interest paid. Longer terms mean lower payments. Use our mortgage calculator to compare the numbers.

Most of our programs work with credit scores as low as 580. Scores of 620+ open more program options and generally offer better rates. Scores of 660+ typically access our best pricing. We also review your full credit profile — not just your score — so contact us even if your score is on the lower end.

Yes. Self-employed borrowers typically need to provide 2 years of personal and business tax returns, a year-to-date profit & loss statement, and 2–3 months of business bank statements. We're experienced with self-employed borrowers across many industries.

DTI stands for Debt-to-Income ratio. Your front-end DTI is your proposed housing payment divided by your gross monthly income — we generally look for this to be 45% or below. Your back-end DTI includes all monthly debt payments (housing, car, student loans, credit cards, etc.) divided by income — ideally 50% or below. Our mortgage calculator includes an affordability section that calculates your DTI automatically.

Most applications require: government-issued photo ID, last 2 pay stubs (or 2 years of tax returns if self-employed), last 2 months of bank statements, and property information (park lease, land deed, or current loan statement for refinances). After your pre-qualification, we'll provide a complete checklist tailored to your situation.

No — our pre-qualification involves a soft credit inquiry, which does not impact your credit score. A hard inquiry only occurs when you submit a full loan application and only after you've chosen to move forward.

In-park loans typically close in about 21 days from application. On-land loans average around 30 days due to the additional title and deed review. Refinances vary from 21–30 days. In-house underwriting lets us avoid third-party delays and move faster than most lenders.

In-house underwriting means our own team reviews and approves your loan — we don't send it to a third-party lender or investor for a decision. This gives us more flexibility on scenarios that fall outside conventional guidelines, and it's why we can often respond faster than big banks.

Closing costs typically range from 2%–5% of the loan amount and include origination fees, appraisal, title, insurance, and government recording fees. We'll provide a Loan Estimate within 3 business days of receiving your full application that itemizes all expected costs.

Yes — an appraisal is required on all our loan programs. It establishes the current market value of the home (and land, for on-land loans) and is ordered by us through a certified appraiser. The cost is typically paid by the borrower and ranges from $450–$600 depending on the property.

Yes. Once you've completed your application and selected a loan option, we offer rate lock periods that protect you from market rate increases while your loan is being processed. Ask your loan officer about current lock terms and pricing.