Loan Programs

The Right Loan for Every Situation

Whether you’re a first-time manufactured homebuyer or a repeat purchaser, you’ll be amazed by the variety of programs to choose from, flexible guidelines, appealing rates, and excellent customer service. Check out and compare our loan programs below to find the right loans to fit your needs.

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HOME ONLY LOAN

Home Only Loans are loans made on the purchase or refinance of a manufactured home that is not permanently affixed to real estate. These types of loans are generally used for manufactured homes that are going into a community or on land that you do not own. Unlike traditional mortgages the terms on these loans are capped at 300 months (25 years) and the interest rate is typically 3% to 5% higher when compared to traditional mortgage rates. The advantage of this loan product is it allows the consumer the flexibility to get a mortgage on a new or used manufactured home without the need of owning real estate.

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LAND HOME LOAN

Our land home one-time close construction product allows borrowers to not only purchase a new or used mobile home, but also the ability to purchase land to put that home on. Our construction loan requires a minimum of 10% down payment but if you already own your land you can access the equity in your land to use as your down payment. Regardless if the home is used or new, or a singlewide or a doublewide we allow our borrowers a flexible term schedule up to 30 years. Another advantage to our one-time close construction product is we do not require our borrowers to pay Private mortgage insurance (PMI).

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FHA MANUFACTURED LOAN

FHA has been helping people achieve their dreams of home ownership since 1934. What does FHA stand for? The Federal Housing Administration, which is a division of HUD or the department of Housing and Urban Development. Typically, FHA loans are able to offer lower down payment and lower interest rates then other loan products because HUD insures the loan. When using FHA to purchase a manufactured home there a few extra requirements that need to be met.

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the Federal government fight the funding of terrorist and money laundering activities, the Federal law now requires all financial institutions to obtain, verify and record information that identifies each person who opens an account or applies for a loan.

WHAT THIS MEANS TO YOU

When you open an account or apply for a loan, we will ask for your legal name, address, date of birth and other information that will allow us or others to identify you. We will also ask to see your valid driver's license or other identifying document.

NOTICE TO ALL APPLICANTS

A Consumer Report may be requested in connection with this application for credit or any future update, renewal, or extension of such credit. Upon request, you will be informed whether or not a consumer report was requested. If a report was requested, you will be informed of the name and address of the consumer reporting agency that furnished the report.