Mobile Home Lenders

Mortgage and Lending Companies

DISCLAIMER: The services, service providers and products listed in this directory SHOULD NOT be considered an endorsement or recommendation, in any way, of any company, individual or product listed here. This information is provided as a convenience to mobile/manufactured home buyers and sellers. We recommend that you, as a buyer or seller, do your due diligence by interviewing and researching multiple companies and service providers. Prices can vary greatly for the same services and products. There may also be many other similar products and services available on the market, not listed in this directory. If you use a product or service in this directory and are not satisfied, please let us know and we will remove them from these pages. Information is deemed accurate, but not guaranteed and subject to change without notice.

CU Homeland
Patrick Smida, Mortgage Banker
patrick@cuhomeland.com
925-621-7157
FHA, Conventional, USDA and VA financing on Manufactured properties and FHA 203K rehabilitation loans that can be used on Manufactured homes

Empire Associates – (LEASED LAND and OWN LAND)
Mobile Home Financing
Edward R. Parish, J.D. Mortgage Broker/Owener
CaBRE Lic #01441279 NMLS #234701 CO ID #312909
276 North El Camino Real #203, Oceanside, CA 92058
EmpireAssociates1@msn.com
(760) 822-9106
(951) 306-2591
Fax: (760) 529-5837
http://www.EmpireAssociates1.com

MOBILE HOME LENDER PROGRAMS
Refinancing Programs Available

LEASED LAND PROGRAMS (IN PARKS)
10%, 20% down programs available, depending on credit
640 minimum FICO score up to 20 years term
4.99% best rate
Year built – 1970 or newer (depends on condition)

REAL ESTATE (OWN LAND PROGRAMS)
FHA PROGRAM
3.5% Down
Seller can pay up to 6 points
Family member can gift down payment – 100% financing
15 and 30 year term
5.00% best rate
MUST HAVE A FOUNDATION-CERTIFIED
CANNOT BE PRE-HUD (JUNE 15,1976)
ORIGINAL INSTALLATION REQUIRED

NON-FHA PROGRAM
20% Down-Fees not rolled in
680 minimum FICO score
up to 20 years term
4.99% best rate
Year built – 1980 or newer (depends on condition)
DOES NOT REQUIRE A FOUNDATION

FIRST PACIFIC FINANCIAL LENDING SERVICES
Loan programs for mobile and manufactured homes on land and in CONDO PARKS (serving all of California)
Christy Snow, Broker NMLS# 247054
christy@firstpacificloans.com
www.firstpacificloans.com
1-800-460-0019
530-223-6297
1539 Chestnut St., Redding, CA 96001
* Mobile homes on land that you own (June 16,1976 and newer)
* Condo park mobile homes (1970/pre-HUD and newer)
* 95% LTV max/5% down payment minimum
* Multi-section and single wide mobile homes ok
* NO FOUNDATION REQUIRED
* Homes moved more than once ok
* Owner occupied FICO 660+/5% down minimum
* Vacation and 2nd homes FICO 700+/20% down minimum
* New or existing homes
* Purchase cash-out refinance and rate/term finance
* Seller paid closing allowed

MOBILE HOME LOANS 4 U
MOBILE/MANUFACTURED HOME FINANCING FOR PURCHASE OR REFINANCE IN CALIFORNIA
Call Kathy Edmondson-Finance Manager
283 S Escondido Blvd
Escondido CA 92025
www.mbmhomeloans.com
kathymobilehomeloans4u@gmail.com
Real Estate Broker, California Department of Real Estate
DRE# 018023286 NMLS# 389866
Call Kathy Edmondson-Finance Manager
Direct: 800-520-3191 or Cell: 760-705-5327

BANKRUPTCY*FORECLOSURE*REPOSSESSION* ALL OKAY
COMPETITIVE RATES AND GREAT SERVICE
IN PARK UNITS NEW & USED
ANY FICO SCORE! On Approved Credit
CALL NOW FOR A QUOTE!! 760-705-5327

Mountain West Financial, Inc.
1175 Idaho Street, Suite 201
Redlands, CA 92374
Lindsey Ramirez
909-255-8245 – Office
909-809-8839 – Cell
Email: lindsey.ramirez@mwfinc.com
Website: lindseyramirez.com
Financing available for FHA, VA and Conventional loans.
640 minimum FICO required for GHA and VA: 640 for Conventional
Must be Owner Occupied Primary Residence
As little as 3.5% down for FHA and VA: 10% for Conventional
Manufactured home must be double-wide or larger

Murphys Bank
(Will lend on some manufactured homes built before 1976, if you own the land)
Richard Laxton,  Vice President
(559) 225-0318
877-225-3018
www.murphybank.com/mobile-home-loans.htm

New Horizon Mortgage Concepts
Ken Soderlund
CalBRE #01408373
1255 W. Colton Ave. #120, Redlands CA 92374
Office: 760.340.6303 Ext. 1
Mobile: 714.269.4118
Fax: 760.773.5313
Email: ken2@nhmcinc.com

Santiago Financial, Inc.
(Will lend on some manufactured homes built before 1976)
Phone: 714.731.8080 ext. 114
Fax: 714.731.3908
mike@santiagofinancial.com
www.santiagofinancial.com

Summit Funding, Inc.
SHARON ELLENZ
Branch Manager / Senior Loan Officer
NMLS ID# 236436
Office: (760) 568-0300
Direct: (951) 634-3532
Cell: (760) 568-0300
Fax: (760) 406-6090
Email: sellenz@summitfunding.net
Website: www.summitfunding.net/sellenz

Conventional, FHA and VA. Minimum loan amount $100k. Must own the land. (No space rent parks.)

US Bank
Vince Starace
760-567-8788

Tom Miller
44100 Monterey Ave.
Palm Desert, CA 92260
760-773-0559

U.S. Financial Network – (LEASED LAND and OWN LAND)
Danielle Hoskins San Juan Capistrano
949-661-9044 / 800-655-9044
Joe Tobey, President
32861 Camino Capistrano, Suite D
San Juan Capistrano, CA 92675
P: (949) 661-9044 or (800) 655-9044
F: (949) 661-9000 or (800) 442-5233
http://www.usfinancialnetwork.com
U.S. Financial Network, Inc. is your number one source for manufactured and mobile home loans in California! We are a California company, serving California since 1988—why go out of state for your loans when the best is here? We are in-park loan specialists, handle land and home loan combinations, and offer pre-HUD financing (including on second/vacation homes). We never charge an upfront fee for credit check and approval, and are here to assist you at every step.

Wells Fargo Bank
Sindee Rodrigues
(951) 318-0059
Home Mortgage Consultant
5200 Ramon Rd. Bldg. E
Palm Springs, CA 92264
Office: 760-833-7080
Mobile: 760-413-4680
Mobile Home Loan Funding