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Yes. We accept down payments starting at 5% of the purchase price, depending on your credit, the loan program, and the condition of the home. Some programs may require more, but we’ll always let you know upfront what’s needed.
In many cases, you may qualify for financing up to 95% LTV for a primary residence purchase. The exact amount depends on factors such as your credit history, down payment, and the home’s condition.
Yes. We finance homes whether or not they’re on a foundation, and even if they’ve been moved. The main requirements are that the home meets program guidelines for age, safety, and condition.
Yes, there are closing costs such as title fees, document preparation, and appraisal. In some cases, these can be financed into the loan or covered by seller concessions. We’ll provide a clear estimate before you commit.
Yes! We now offer land/home package loans, which means we can help finance both the manufactured home and the land it’s placed on. This makes the process simpler and more convenient for buyers.
We handle the appraisal process for you. Once ordered, the timeline can vary, but typically takes a week or two. The appraiser will confirm the home’s value and ensure it meets safety standards.
On average, it takes about 30–45 days, depending on how quickly you can provide documents, how busy appraisers are, and other factors. In some cases, we can close faster.
Yes. Preapproval gives you flexibility. If you find another home, we’ll simply update the details as long as the new home meets the same eligibility requirements.
Yes. Proof of insurance is required before closing. Insurance protects both you and the lender from damage, loss, or liability. We’ll guide you on typical coverage for manufactured homes.
Yes. Just like any other homeowner, you’re responsible for local property taxes. Depending on your loan terms, these may be included in an escrow account, which we’ll explain during the process.
Once your loan closes, you’ll need to keep up with:
If escrow is required, we’ll collect and pay taxes/insurance for you, but it’s always your responsibility to make sure they stay current.
Yes. Many clients refinance to lower their monthly payments, shorten their loan term, or access cash for repairs and improvements.
When refinancing, be ready with:
Information about your debts and monthly payments.
That’s okay. In fact, financing homes in manufactured home communities is one of our specialties. We can often still finance, but there may be extra requirements — such as a copy of your lease agreement. Don’t worry, we’ll review your situation and guide you step by step.
No, our programs cannot be used for investment or rental properties. However, we do allow financing for second homes that will be used as a vacation residence for the owner.
Your journey to homeownership doesn’t have to be complicated. Whether you’re buying your first manufactured home or refinancing an existing one, we’ll guide you every step of the way.