Buying or refinancing a manufactured home in California? Let us help you explore financing options that may work for your property and financial situation.
Whether you're purchasing a new manufactured home, an existing manufactured home, or a manufactured home together with land, MGB Financial Services, Inc. can help you explore available financing options.
30+ Years of Mortgage Experience • Underwriter Review Available
Depending on borrower qualifications, property eligibility and program guidelines, financing may be available for:
If the manufactured home and land meet applicable program requirements, you may be able to finance the manufactured home and land together with one mortgage.
Depending on the loan program, your land ownership or existing equity may be considered when structuring the financing.
This can be important when determining the loan amount, down payment and overall financing structure.
FHA financing may provide an option for qualified manufactured-home buyers, particularly those looking for flexible down-payment and credit guidelines.
Depending on the transaction and applicable FHA requirements, financing may be available for an eligible manufactured home and real property.
Manufactured-home property requirements can differ from those for a traditional site-built home, so reviewing the property early in the process is important.
Eligible veterans, active-duty service members and certain surviving spouses may have VA financing options for qualifying manufactured homes.
Program availability and property requirements can differ from financing a traditional site-built home, so an early review is important.
Certain manufactured homes may qualify for conventional financing when the borrower and property meet applicable program requirements.
Eligibility may depend on the home's construction, permanent installation, land ownership, title, appraisal, occupancy, credit, income and other program requirements.
Depending on your qualifications, property, available equity and loan program, refinancing may help you:
Manufactured-home financing can be different from financing a traditional site-built home. The lender may need to review several important factors.
Whether the manufactured home is considered real property can affect available financing.
The foundation and installation may need to meet applicable loan-program requirements.
The home's construction date, HUD certification labels, identification information and applicable property records may need to be verified.
Whether you own the land can affect the financing programs available.
The property must meet applicable appraisal, condition and loan-program requirements.
Manufactured homes can involve property requirements that are not always obvious from a listing or property description.
Before assuming the property cannot be financed, let an underwriter review the details.
It helps to know:
An underwriter will review your file and available property information to help identify financing options that may be appropriate for your situation.
One Property. One Situation. Multiple Financing Possibilities.
30+ Years of Mortgage Experience • Underwriter Review Available
SHORT FORM / PRE-QUALIFY FULL APPLICATION ASK AN UNDERWRITERIf your home is located in a mobile home park, manufactured-home community, or on leased land, the financing requirements and available programs may be different.
Learn more about mobile homes, park homes, leased-land situations, property classification and available financing options.
Don't assume the property cannot be financed.
CHECK MOBILE HOME FINANCING DETAILS →30+ Years of Mortgage Experience
Phone: 562-809-2643
Email: Loan@MGBFinancial.com
Website: www.MGBFinancial.com
Loan programs, terms, property eligibility and borrower eligibility are subject to applicable lender, investor, agency and underwriting requirements. Program availability and guidelines are subject to change. Not all borrowers or properties will qualify.
Fill out the application above to get pre-qualified for a purchase loan today!
It’s quick, secure, and helps you understand how much home you can afford.
If you have any questions or need assistance with the application, don’t hesitate to call us at 562-809-2643. We’re here to help every step of the way!