SINCE 1995 — We've helped 25,000+ families find their way home.

Every home has a story. Yours starts here.

We specialize in financing manufactured and mobile homes — the kind of homes most banks overlook. Fast approvals, low down payments, and real people who treat you like family.

Get Pre-Qualified See How It Works
Soft credit check Close in 25-30 days 5 min application

Soft credit pull only. Checking your options will not affect your credit score.

30+
Years in Business
up to 25
Year Loan Terms
25,000+
Families Served
as low as 5%
Minimum Down Payment

Our Loan Programs

Two programs. One mission.

Chattel loans designed specifically for manufactured homes in communities and parks. No land required.

Purchase

Buy a Manufactured Home

Get into your home with as little as 5% down. We match you with the best lender for your situation — purchase financing built for chattel homes.

  • As low as 5% down payment
  • Loan terms up to 25 years
  • Close in 25–30 days
  • Single-wide & double-wide eligible
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Refinance

Refinance Your Home

Lower your payment, reduce your rate, or take cash out. We make refinancing your manufactured home simple — even if your current lender says no.

  • Lower your monthly payment
  • Reduce your interest rate
  • Cash-out options available
  • No prepayment penalties
Start My Approval

What is a Chattel Loan?

A chattel loan finances your home as personal property. No land ownership required. Perfect for homes in leased-lot communities and mobile home parks.

Why Families Choose MH Services

We specialize exclusively in manufactured home financing. That means every system, every process, and every team member is built around getting your family home.

Soft Credit Check

Explore your options without hurting your credit score. We use a soft pull first — always.

As Low as 5% Down

Low down payment options to help you get into your manufactured home sooner.

Close in 25–30 Days

From application to keys faster than most traditional lenders. No unnecessary delays.

24/7 Borrower Portal

Check your loan status, upload documents, and message your team any time of day.

Simple Process

How It Works

From application to closing, we make manufactured home financing easy.

1

Tell Us About You

Fill out a quick application from your phone. Basic info, property details, and income. Takes about 5 minutes.

~5 minutes
2

We Find Your Match

We run a soft credit check and match you to the best lender program. Your score stays safe.

Same day response
3

Close & Celebrate

Upload docs through your portal, we handle the rest. Most loans close in 25-30 days.

25-30 day close

What Sets Us Apart

Built for Manufactured Home Lending

We're not a big bank that dabbles in mobile homes. Manufactured home financing is all we do — and we've been doing it since 1995.

Chattel Loan Specialists

We only do manufactured home loans — chattel financing for homes in parks and communities. It's our entire focus.

30+ Years Experience

Over 25,000 families served since 1995. We know every guideline, every lender, every edge case.

Licensed in AZ, CA & TX

Fully licensed manufactured home lender in Arizona, California, and Texas with state-specific expertise.

Multiple Lending Partners

We work with several established lenders to match you with the best program for your situation.

Community Living at Its Best

Homes We Finance

From single-wides in family parks to brand-new double-wides — we finance the manufactured homes real families live in across Arizona, California, and Texas.

Single-WideDouble-WideNew ConstructionPre-OwnedPark Communities

Modern Double-Wide

Spacious open floor plans with modern finishes. 1,200–2,400 sq ft of comfortable living space.

Classic Single-Wide

Affordable and efficient. Perfect for first-time buyers or downsizers looking for quality living.

Community Parks

Family-friendly parks with pools, clubhouses, and playgrounds. Neighbors who become friends.

Upgraded Living

Covered patios, carports, and landscaped yards. Today’s manufactured homes rival site-built quality.

Family Stories

Real families, real homes

Phoenix, AZ

"MH Services made buying our first home possible. The process was so much easier than we expected."

The Johnson Family
San Bernardino, CA

"Refinancing saved us $200 a month. The team walked us through every step with patience."

The Chen Family
Sacramento, CA

"At our age, we thought homeownership was behind us. MH Services proved us wrong."

Margaret & Robert
Common Questions

Frequently Asked Questions

Everything you need to know about manufactured home financing. Can't find your answer? Give us a call.

What is a chattel loan?
A chattel loan finances your manufactured home as personal property. Unlike a traditional mortgage, you don't need to own the land your home sits on. This is the most common loan type for manufactured homes in leased-lot communities and mobile home parks. Chattel loans typically have terms up to 25 years and a streamlined closing process.
Will checking my options hurt my credit score?
No. We start with a soft credit pull, which does not affect your credit score. A hard inquiry only happens later in the process — after you've reviewed your options and decided to move forward with a specific lender program. You're always in control.
What's the minimum down payment?
Down payments start as low as 5% depending on the lender program, your credit profile, and the home. Some programs may require more, but we work with three lending partners to find the best fit for your budget. Your loan officer will walk you through the exact numbers during your pre-qualification.
What states do you serve?
We are currently licensed in Arizona, California, and Texas. Each state has specific licensing requirements, and our team holds active credentials in all three — including DIFI (AZ), DFPI & DRE (CA), and OCCC (TX). Our NMLS number is #296451.
How long does it take to close?
Most loans close in 25–30 days from the time we have a complete file. The biggest factor is how quickly documents are submitted — our borrower portal makes uploading fast and easy. Pre-qualification responses are typically same-day.
Do I need to own the land my home is on?
No. Our chattel loan programs are specifically designed for homes on leased land — meaning your home is in a mobile home park or manufactured home community where you rent the lot. You finance the home itself, not the land. This is what makes chattel financing different from a traditional mortgage.
What documents will I need?
Typical documents include: proof of income (pay stubs, tax returns, or bank statements), photo ID, proof of residence, and information about the home you're purchasing or refinancing. Your loan officer will provide a personalized checklist after pre-qualification. You can upload everything securely through your borrower portal.
Can I refinance if my current lender says no?
Yes. We work with multiple lending partners, each with different guidelines. If one lender can't help, another might. Many borrowers come to us after being turned down elsewhere. A soft credit check costs nothing and gives you a clear picture of your options.

Still have questions?

(888) 732-9099

Your Home Is Waiting

Take the first step today. Our team is ready to help you find the right loan for your manufactured home.

Get Pre-Qualified
Call us anytime (888) 732-9099