Manufactured Homes On Land Financing

Please, let First Pacific Financial assist in reaching your home ownership dreams!

First Pacific Financial has many years of Manufactured and Mobile Home industry knowledge and financing expertise, First Pacific Financial specializes in financing for Manufactured and Mobile Homes. First Pacific Financial is a seasoned leader in Manufactured and Mobile home financing in California, providing extraordinary service while helping homeowners reach their dreams.

Manufactured Home Real Estate (Real Property – On Land) financing is available for Manufactured Homes where both the Manufactured Home and land are offered as collateral for the financing.

First Pacific Financial offers a wide range of Manufactured Home Real Estate (Real Property – On Land) financing products and programs for new and existing (Pre-Owned/Used) Manufactured Homes to meet each Borrower’s unique needs.

Purchase Programs

  • Loans Starting at Only 3.5% Down Payment
  • FHA (Federal Housing Administration) 203(b), 203(k), & EEM (Energy Efficient Mortgage)
  • Conforming (Fannie Mae & Freddie Mac)
  • VA (Veterans Administration)
  • Construction-to-Permanent
  • Double and Triple Section Manufactured Homes
  • New and Existing (Pre-Owned/Used) Manufactured Homes
  • Foundation “Retro-Fit” (For noncompliant or nonexistent foundation systems)
  • Primary Residence & Vacation (Secondary) Manufactured Homes
  • Seller Paid Closing Costs Allowed

Refinance Programs

  • Home Affordable Refinance Program (HARP & HARP 2.0)
  • FHA (Federal Housing Administration) 203(b), 203(k), EEM (Energy Efficient Mortgage), & Streamline
  • Conforming (Fannie Mae & Freddie Mac) Cash Out, Home Improvement, Debt Consolidation, & Rate & Term
  • Double and Triple Section Manufactured Homes
  • Existing (Pre-Owned/Used) Manufactured Homes
  • Foundation “Retro-Fit” (For noncompliant or nonexistent foundation systems)
  • Primary Residence & Vacation (Secondary) Manufactured Homes

 

All financing program availability, rates, and terms are subject to Lender’s approval of Borrower’s qualification(s), home and home’s location, down payment, Loan-To-Value (LTV), and financing purpose. Not all financing programs are available for all Borrower(s) and/or all homes (Contact First Pacific Financial for financing information specific to your unique scenario). Information published here is subject to change without notice and does not constitute a commitment or a guarantee regarding financing approval or availability. Applications underwritten and approved/declined based on each application’s unique merit(s), which include, but are not limited to; Borrower’s capacity (Income, Employment Length, Quality, Dependability, and Stability, Assets, and Indebtedness), Borrower’s character (Credit History, Credit Depth, FICO Score), and collateral (Home Year, Make, and Model, Location, Condition, and Value).