Call US: 208.467.9144
For more than 20 years, we’ve been helping families across Idaho, Oregon, and Washington find affordable, stress-free financing for manufactured homes.
We keep the process simple and move quickly so you can move forward with confidence.
Every client works directly with our family team — no call centers, no runaround.
Whether you’re buying, refinancing, or just getting started, we make manufactured home financing easy to understand and accessible.
Ready to buy your manufactured home? We’ll help you secure the right financing so you can move forward with confidence.
Lower payments or free up equity. Our refinancing options can reduce your rate, save you money, or give you cash for what matters most.
Shop smarter with a clear budget. Get preapproved before you start looking so you can make stronger, faster offers.
Buying or refinancing a home can feel overwhelming — but it doesn’t have to. With decades of experience, we make financing manufactured homes on leased land simple, clear, and stress-free. When you work with us, you’re treated like family every step of the way.
We offer financing for manufactured homes on leased land or on private land, as well as land/home combination loans. Down payments can start as low as 5%, depending on credit and loan type.
We’re excited to announce a new option for our customers! With our land/home package loans, you can finance both your manufactured home and the land it sits on — all in one simple loan.
Streamlined financing process
One monthly payment for home + land
Perfect for buyers who want long-term stability and ownership
Whether you’re buying your first home or upgrading, we’ll guide you through every step.
We keep the path to financing clear and simple. Here’s what you can expect when you work with us
Your manufactured home is one of your biggest investments, and protecting it matters. While we don’t sell policies ourselves, we’ll walk you through what coverage looks like and what to consider before choosing a provider.
✓ Learn the basics of manufactured home insurance
✓ Know what to ask before picking a policy
✓ Gain peace of mind with the right protection
We get it — financing a manufactured home comes with a lot of “what ifs.” Here are some of the most common questions we hear, answered in plain, simple terms.
Yes — the minimum down payment is 5% (on approved credit).
Not at the moment. Manufactured home lending doesn’t have first-time buyer programs, but we’ll guide you through all available options.
We can go up to 25 years, and shorter terms may be available if you qualify.
Sort of. There isn’t automated underwriting for manufactured homes. To prequalify, we’ll need to look at a specific home’s price and lot rent compared to your finances. (Tip: have a home in mind when you call us!)
Typically, about 6 weeks from application to funding. Sometimes it’s faster — give us a call to learn more.
It depends on your state. In Idaho, co-signers are allowed for lack of credit (but not lack of income). Oregon and Washington do not allow co-signers.
We may still be able to help. The lowest score we can consider is 550. Call us to talk through your situation.
Getting started is quick and simple. Share a few details with us, and we’ll point you in the right direction — no pressure, just honest guidance.