Manufactured Home Loans

At Santiago Financial, Inc., we believe in helping the consumer make an educated choice, understand the process, and assist them from beginning to end. With over thirty years of experience, Santiago Financial, Inc. Provides world-class service in all facets of manufactured housing lending one customer at a time.

Land & Home Loans

Refinances and Purchase Money – Conventional, FHA, VA. FHA 203(k) rehabilitation. Loans for any age pre-HUD homes (older than 1977), Loans for manufactured home multi-family properties. Real Estate 433A conversions programs

Insurance Services

Your manufactured home is probably the largest investment you will ever make. At Santiago Financial Insurance Services, we work with you to ensure your home and belongings are protected. We pride ourselves in partnering with top-rated insurance companies that offer comprehensive manufactured home insurance coverage at an affordable rate.

Mobile & Manufactured Home Loan Excellence

Are you in the market for a mobile or manufactured home loan? Financing is our specialty!

At Santiago Financial, Inc., we believe in helping the consumer make an educated choice, understanding the process, and assisting them from beginning to end. With over forty years of experience, Santiago Financial, Inc. provides world-class service in all facets of manufactured or mobile housing lending in Orange County and Los Angeles County – one customer at a time.

We finance mobile homes and manufactured homes all throughout California, including the regions of Los Angeles County and Orange County. Whether it is a mobile home park or on private property, you’ve come to the right place.

Serving California Mobile Home Buyers & Sellers For Over 40 Years

Whether you’re buying, selling, or refinancing, we are your reliable source. We can work with homes of any age, all levels of credit, and offer the most competitive rates in the industry.

With a simple and fluid program, as well as exceptional customer service, we make financing easy, even for a first-time buyer. We will guide you easily through the program– step by step. This level of transparency makes us a leading manufactured home financing and loan firm in our industry, in productivity as well as customer service.

Our goal at Santiago Financial, Inc. is to exceed the expectations of our valued customers. Call us today for a free consultation and we’ll help you through your next big decision. It’s always free to apply and we’ll have a decision for you in 24-28 business hours.

Once approved, we also provide competitive mobile and manufactured home insurance quotes to save you time and money. From manufactured housing lendingmobile home mortgage, to mobile mortgage lending, we make everything easy for our customers!

Trust an established specialist like Santiago Financial, Inc., and you’ll receive more than just a successful loan experience. Our personalized approach is what makes us well-loved by customers and agents alike. We look forward to working with you soon!

When you are ready to work with us, give us a call at 800-232-3908 or email us at

Why Choose Us?


We have over 40 years of experience providing expert financial advice.


A young, enthusiastic team of advisors are always here to help.


Our financial specialists ensure you get the optimum results.

Latest Mobile Home Financing Blog Posts

Santiago Financial Quick Application- A Quick Guide

                    Are you shopping for a manufactured home and need to be pre-approved? Do you want to know how much you qualify for? If you answered yes to either of these questions, you’ve come to the right place. Santiago Financial can help you! In order to

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Debt and Housing Ratios- How Do They Affect Your Loan?

Debt-to-Income Ratio (Overall Debt Ratios) Just as important as the Housing or front-end ratio is the debt-to-income ratio or DTI. This is the amount of your gross monthly income that goes toward paying all debts considered in a loan. Lenders consider 42-48% the golden range for DTI. Lenders will want to see lower DTI’s, but by

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Debt and Housing Ratios- How Do They Affect Your Loan?

Debt and housing ratios are two important factors taken into account when qualifying for a loan. In part one, we will explore housing ratios: Housing Ratios (Front-End Ratios) The housing ratio is used to assess how much income is needed in order to adequately repay your loan. Lenders will look at the housing ratio as

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Santiago Financial Insurance Services

Did you know that Santiago Financial can help you insure your manufactured home? If you are currently financing your home, you are likely already required to insure your manufactured home and reviewing your policy for coverages and rates annually is always a good idea.  In addition, if you own your home outright, it is wise

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What Can I Afford?

You’re interested in buying a manufactured home but as a buyer, you want to know exactly what you qualify for. How much down do I need? If the home was built on or before June 13, 1976, you will need 20% down and the loan term will be 15 years. If the home was built

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Comparable Sales

Comparable sales reports are a valuable tool in determining the value of a manufactured home in a park to sell or refinance. These reports also help appraisers to determine the value of the home that they are appraising. Lenders use comparable sales reports to confirm home values. Sample (Click to zoom) Order Your Report Today

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Mobile / Manufactured Home Information

Contact SFI

Mobile Home Loans in Westminster

In northern Orange County, California, you can find the lovely city of Westminster—a place that many are happy to call home. This beautiful space offers all of the comforts that California residents love and comes with a unique culture that is great for people of all ages and families of all sizes. A mobile home

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Mobile Home Loans in Huntington Beach

Located southeast of Los Angeles, Huntington Beach is a scenic location with plenty to offer. More people are looking to move to this incredible city, with many hoping to make Huntington Beach a part of their future. Mobile homes can offer an easy and accessible way to enjoy this incredible area. Read on to learn

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Mobile Home Loans in Anaheim

Orange County is one of the prized areas that California offers, and Anaheim is one area in this county that really shines. Every year, more people migrate to Anaheim in hopes of building a brighter future—and we absolutely believe that this city has plenty to offer. Is a mobile home in Anaheim a key part

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Mobile Home Loans in Tustin

California is a wonderful state to live with plenty of amazing natural spaces. Filled with wonderful cities, some areas in California really outshine others, and Tustin is one of those spaces. Tucked away in Orange County, this city is a wonderful spot to move to whether you’re starting a business or starting a family. Moving

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Mobile Home Loans in Escondido and San Marcos

San Diego County is a larger place than most people realize, which is why there is so much opportunity for those who are looking to enjoy living in sunny and beautiful California. Popular cities, like Escondido and San Marcos, are wonderful places to grow a career or raise a family, and this is why so

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Mobile Home Loans in Sacramento

Sacramento is one of the most highly sought-after areas in California, with more people looking to move to this area every single day. Known for its easy access to beaches and locally-owned California businesses, this is one area that is perfect for all walks of life. Everyone loves visiting this exciting city, but not everyone

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Mobile Home Loans in San Jose

Are you in the market for a loan for a manufactured home in the San Jose area? If so contact Santiago Financial today to learn how we can guide you through the financing process. We have decades of experience serving California residents throughout the state. Mobile homes are an affordable way to enjoy living in

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Mobile Home Loans in Santa Rosa

Manufactured homes are a popular way for many to live in the beautiful Santa Rosa area. The city of Santa Rosa is a testament to the true beauty of Sonoma County. Santiago Financial is the go-to financing company for those seeking a loan for a mobile home in the Napa and Petaluma areas, there is

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Mobile Home Loans in San Diego

San Diego is a gorgeous area that people from all over the world flock to visit. Everything from the stunning beaches to the famed Balboa Park makes this area a wonderful place to live and explore, which is why so many different people are looking for the opportunity to live here. Offering access to Chula

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Mobile Home Financing

Santiago Financial, Inc. specializes in financing mobile homes at the most affordable rates possible. We have competitive loan packages that suit your individual needs. Many financial institutions lack options for manufactured mobile, or modular home financing capabilities. For over forty years, Santiago Financial, Inc. has specialized in all aspects of manufactured and mobile home lending.

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Mobile Home Mortgage Lender

Santiago Financial is here to assist you as an established mobile home mortgage lender. Where many financial institutions do not offer mobile or manufactured home lending, we specialize in it. In fact, we have a variety of programs to suit your individual needs and financial situation. Santiago Financial can help you to finance a mobile

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Mobile Home Mortgage

Are you looking for a mobile home mortgage with the best rate and biggest value? Santiago Financial specializes in manufactured home financing and mobile home mortgages. We’re here to lend our expertise to you while you make your next life-changing investment. The Growing Popularity of Mobile Homes With over 5,000 mobile home parks in the

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Please contact us with any questions. We are here to help you.
Our Manufactured Home Loan Experts​
Cindi Lilly

Office Manager/Loan Processor
MLO# 297542
800 232-3908 x 106

Shannon LeVay

Loan Processor
MLO# 1764022
800 232-3908 x 113

Diana Fernandez

Loan Processor
MLO# 2019341
800 232-3908 x 103
Habla Español

Santiago Financial, Inc. provides mobile and manufactured home financing to the Los Angeles County, Orange County, and surrounding regions. Loans may be arranged or made pursuant to Department of Business Oversight (DBO) License 603D841 NMLS 302948 California Bureau of Real Estate (CalBRE) License 00854858 We are currently offering loans in California only. Copyright © 2022 Santiago Financial, Inc. All Rights Reserved
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