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7545 Irvine Center Dr., STE 200
Irvine, CA 92618
Phone: (866) 900-6868
sales@smartmoneymortgage.com
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Finding the right loan for a mobile or manufactured home in California can be simple with experts on your side. The specialists at Smart Money Mortgage provide personalized solutions according to your needs. They don't just know about loans—they understand the unique particulars linked specifically to mobile homes in this state that most people might not consider. Now comes the part where you learn about their comprehensive services.
Smart Money Mortgage is a leading mobile home loan specialist in California, offering a range of loan programs for in-park mobile homes, manufactured homes on land, and condo/planned unit development (PUD) mobile homes, where eligible. Located in the vibrant cities of Irvine, Huntington Beach, and Santa Ana, we proudly serve residents across these communities and throughout San Diego County, Orange County, and all of California. Our competitive mortgage rates, flexible loan options, and expertise make us a top choice for specialized lending solutions.
Smart Money Mortgage offers a variety of loan programs designed to meet the unique needs of mobile homeowners. This includes financing options for in-park mobile homes, manufactured homes on land, and PUD mobile homes where applicable. Whether you own a single, double, or triple section home, they offer customizable loan terms ranging from 5 to 25 years to suit your specific requirements.
When selecting the right mobile home loan, being well-informed about the different interest rates and loan terms available to you is essential. Smart Money Mortgage stands out by offering competitive mortgage rates and flexible loan terms that allow borrowers to choose a repayment duration that fits their budget and financial goals.
| Benefits | Details |
|---|---|
| Competitive Mortgage Rates | Smart Money Mortgage provides competitive rates that reflect current market conditions and borrower qualifications. |
| Flexible Loan Terms | Borrowers have the freedom to select repayment durations ranging from 5 to 25 years. |
At Smart Money Mortgage, we specialize in providing loan options tailored to your needs. While we offer a wide range of traditional home loan programs, it’s important to note that government-backed loans such as FHA, VA, and USDA are generally not available for mobile homes unless the property is classified as real estate (i.e., the home is permanently affixed to owned land).
Other available loan programs include:
HomePath | Jumbo | Commercial | Conventional
Refinancing your mobile or manufactured home? We can help. Whether you're looking for a better rate, lower payments, or cash out, we offer a variety of refinance options designed for California homeowners:
Refinance Programs:
FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Commercial | Jumbo
Niche Offering: We are proud to offer specialized programs for mobile home loans, including financing for in-park homes, homes on land, and more.
Contact Albert Lopez today to discuss your mortgage options and find the right loan program to meet your needs.
How do I qualify for a mobile home loan in California?
Lenders typically assess your credit score, income stability, debt levels, and the mobile home’s condition and location. A down payment (typically at least 5%) also improves your chances of approval.
What types of properties qualify for mobile home loans?
Eligible properties include mobile homes and manufactured homes in approved parks or on private land. Modular homes and RVs are generally excluded unless specified as eligible under a unique program. Lenders evaluate property age, compliance with codes, and installation status.
How long does it take to close a mobile home loan?
On average, closing can take 30 to 45 days, depending on the complexity of the loan and responsiveness of the borrower. Timely submission of documents helps ensure smooth processing.
What is the average down payment required?
The minimum down payment for mobile home loans in California is usually around 5% of the purchase price with good credit. For borrowers with less-than-perfect credit, the requirement may increase. Always consult your lender for personalized requirements.