Purchase & Refinance
Our Loan Programs
Two chattel loan programs designed specifically for manufactured homes on leased land. No land ownership required.
Buy a Manufactured Home
Ready to buy a manufactured home in a community or mobile home park? Our purchase program makes it simple. We match you with the right lender, handle the paperwork, and get you to closing in as few as 25 days.
As Low as 5% Down
Get into your home with a low down payment. Exact amount depends on lender program and credit profile.
Soft Credit Pull First
We check your options without affecting your credit score. Hard pull only when you're ready.
10 to 25 Year Terms
Flexible loan terms to fit your budget. Longer terms mean lower monthly payments.
Single-Wide & Double-Wide
Both single-wide and double-wide manufactured homes are eligible for financing.
25-30 Day Closings
From complete file to closing, most loans fund in under a month.
Purchase Program at a Glance
Terms and rates vary by lender program, credit profile, and property. Contact us for a personalized quote. Soft credit pull only — no impact to your score.
Refinance Program at a Glance
Refinance availability depends on your current loan, home value, and credit profile. We'll review your situation and let you know your options — no obligation.
Refinance Your Manufactured Home
Already own a manufactured home? Refinancing could lower your monthly payment, reduce your interest rate, or let you access cash from your home's equity. Even if you've been turned down before, we have options.
Lower Your Payment
Refinance to a lower rate and reduce what you pay each month.
Cash-Out Options
Access equity in your home for improvements, debt consolidation, or other needs.
No Prepayment Penalties
Pay off your loan early without extra fees or penalties.
Turned Down? Try Us
We work with multiple lenders. If one says no, another may say yes.
Three Lenders, More Options for You
We work with established manufactured home lenders so we can match you with the best program for your situation.
National Lenders
Established chattel lenders offering competitive programs for both purchase and refinance across all our states.
Credit Unions
Credit union partners with strong manufactured home lending programs and member-focused service.
Regional Partners
Additional lending partners offering manufactured home financing with competitive terms in select states.
Five Steps to Your New Home
From first click to closing day, here's exactly what to expect.
Apply Online
Fill out a short application from your phone or computer. Basic info, property details, and income. Takes about 5 minutes.
~5 minutesSoft Credit Check
We run a soft credit pull to evaluate your options. Your credit score is not affected. You'll hear back the same day.
Same-day responseLender Match
Based on your credit profile and situation, we match you with the best lender program from our three partners.
1-2 business daysDocument Collection
Upload your documents securely through your borrower portal — pay stubs, ID, home details. Your loan officer will tell you exactly what's needed.
At your paceClose & Celebrate
We package your file, submit to the lender, and coordinate closing. Most loans fund in 25-30 days from complete file.
25-30 daysUnderstanding Chattel Loans
What Is a Chattel Loan?
A chattel loan finances your manufactured home as personal property. You don't need to own the land underneath. This is the standard loan type for homes in mobile home parks and manufactured home communities.
No Land Required
Your home sits on leased land in a community or park. You finance the home, not the land.
Faster Closing
Less paperwork than a traditional mortgage. No land survey, no title insurance on the lot.
Personal Property
The home is titled like a vehicle. Your loan is secured by the home itself as personal property.
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.