Manufactured Home Loan: What do I qualify for?

Manufactured Home Loan: Easy steps to mobile home financing

Santiago Financial Quick Application

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 info@santiagofinancial.com

Why Choose Us?

Experienced

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

Vibrant

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

Professional

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

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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Manufactured Housing Lender

Finding a full-service manufactured housing lender has never been easier. Santiago Financial has a unique insight into the industry and will work aggressively until you receive your manufactured housing loan at the most competitive rate possible. For generations, Santiago Financial has been the leading manufactured housing lender in our community. We look forward to continuing

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Comparable Sales Reports

WHAT IS THE VALUE OF THE MANUFACTURED HOME? ORDER A 2 YEAR HISTORY OF SALES DATA Member services allow you to receive comparable sales reports and title information reports on manufactured homes within the state of California. There are two methods for receiving the comparable sales reports. You choose the method that would work best

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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. Our coverage protects your home

Read More »

Land And Home Construction Loan Program

Land and Home Real Estate Loans Refinances & Purchase Money – Conventional, FHA, VAFHA 203(k) rehabilitationLoans for any age pre-HUD homes (older than 1977)Loans for manufactured home multi-family propertiesReal Estate 433A conversions programs Construction Real Estate Loans Available as FHA,VA, and USDAPermanent Loan is closed before construction begins. Land and permits are paid upfront. No

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Easy Steps To Mobile Home Financing

Manufactured Home Loan: What Do I Qualify For? El préstamo casero manufacturado: Pasos fáciles al financiamiento casero móvil https://www.youtube.com/watch?time_continue=1&v=wkw1HEIy1tQ&feature=emb_title Manufactured Home Loan: Easy Steps to Mobile Home Financing Now that my loan has been pre approved… What Do I Do Now?

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Contact SFI
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
cindi@santiagofinancial.com
800 232-3908 x 106

Shannon LeVay

Loan Processor
MLO# 1764022
shannon@santiagofinancial.com
800 232-3908 x 113

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