Santiago Financial, Inc. · California & Arizona
Manufactured & Mobile Home Loans in California & Arizona
Purchase or refinance a home in a community or on owned land with a lender that has specialized in manufactured housing since 1975.
- Purchase, refinance & land-home
- Community homes or owned land
- Every application reviewed individually
How can we help you today?
Buying, refinancing, estimating a payment, or referring a client: pick the one that fits. California and Arizona only; all financing is subject to credit approval.
I want to buy a home
Purchase financing for a manufactured or mobile home in a land-lease community or on land you own.
Explore purchase loansI want to refinance
Review your payment, term and equity against a new loan. Whether it helps depends on the whole new loan, not one number.
Refinance optionsEstimate a payment
Model the full monthly cost, including taxes, insurance and any space rent. Results are educational estimates, not a loan offer.
Use the calculatorI’m a dealer or agent
Refer buyers early and work with a lender that finances only manufactured housing.
Partner with usNot sure which applies to you? Answer three quick questions and we'll point you to the right path — or call (714) 731-8080 and talk it through with a specialist.
The right manufactured home loan begins with the home-and-land setup
Manufactured home financing is not one universal product. A home in a land-lease community, a home attached to property you own, and a new land-and-home project can follow different title, appraisal, escrow, insurance, and approval paths.
That is why our first questions are practical: Are you buying or refinancing? Where is the home? Who owns the land? What year is the home? Is there an existing title or lien? Once those basics are clear, we can help you focus on the programs and documents that may apply.
Common setups, and what each one means for the loan.
What happens after you apply
Four stages, one team coordinating them. Timelines vary with each transaction.
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Application
Tell us which home, where it sits, who owns the land, and whether you are buying or refinancing. Apply online, on a printable form, or by phone.
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Review and conditions
The file is reviewed against current program guidelines. An approval comes with the list of documents and steps needed before the loan can fund.
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Community, value, title and escrow
The community’s own resident approval (for a home in a park), the value review, the title check with HCD or ADOT MVD, insurance, and escrow move in parallel.
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Signing and funding
Once every condition is cleared, you sign the loan documents and the loan funds through escrow.
Estimate your monthly payment
Try our manufactured & mobile home loan calculator — adjust price, down payment, term, taxes, and space rent to see an estimated monthly payment. Estimates are for educational purposes; all financing is subject to credit approval.
Statewide lending in California and Arizona
We currently offer loans in California and Arizona only — in communities and on owned land, from one office in Tustin.
California mobile home loans
Purchase and refinance financing throughout all 58 counties — coastal communities, inland valleys, deserts, and foothills.
Explore California
Arizona manufactured home loans
Manufactured home financing throughout all 15 counties, from the Phoenix and Tucson metros to rural communities.
Explore ArizonaWhat clients say
Comments from our Google and Facebook reviews, reproduced as written.
Cindi Lilly is the best. As first time buyers who knew nothing of the process, she was very kind and walked us through every step, patiently answering all our concerns. Her response time was very fast and made the pace of our application run quickly and smoothly. She made us feel important. She is a professional making the road to home ownership for us a success. We would highly recommend her.
I was referred to Santiago Financial from my agent. She wanted me to get pre-approved before making an offer on a mobile home. Right off the bat, they answered the phone directly without an automated directory, and that was a huge plus. I love how they kept me updated on the process and what they still needed. Great teamwork at Santiago — it didn’t matter who I spoke with, they were so helpful! I’m very pleased with them!
Our company has been working with Santiago Financial for 30 years plus. I would highly recommend them. Cindi Lilly and her staff are very helpful and are always there to answer your questions and to make sure your deal gets closed.
The people who will handle your file
Real people who answer the phone and guide you from application to keys.
Frequently asked questions
What types of manufactured and mobile home loans does Santiago Financial offer?
We arrange financing for manufactured and mobile homes: purchase loans, refinance programs, and land-and-home packages, for homes in land-lease communities (parks) and on owned land. Available terms depend on the program, the home’s age and type, the loan amount, and whether the land is owned. Programs change, so ask us for current details.
What areas do you serve?
Santiago Financial, Inc. arranges loans in California and Arizona only, statewide in both. We work with buyers, dealers, real estate agents, and homeowners throughout both states. A home located in any other state cannot be financed.
How much do I need for a down payment?
There is no single down payment. It depends on the program, your credit, the home, and whether the land is leased or owned, and requirements change over time. Rather than planning around a percentage you read online, use the payment calculator to compare scenarios, then ask us for an estimate based on the actual home. All financing is subject to credit approval.
What is the difference between a mobile home and a manufactured home?
A manufactured home is a factory-built home constructed on or after June 15, 1976 to the federal HUD Code. A factory-built home from before that date is, technically, a mobile home. The distinction can affect which programs apply. Santiago Financial works with both, depending on lender and program guidelines.
How long does the loan process take?
Timelines vary with each transaction. The process generally moves from application to review and conditions, then community approval (for a home in a park), the value review, title, insurance and escrow, and signing. We tell you which items are still outstanding at each stage. Having your documents ready early is the biggest factor you control.
Can I get financing with less-than-perfect credit?
Credit requirements vary by program and investor, and we review each application individually. All financing is subject to credit approval and not all applicants will qualify. Tell us about the home and your situation and we can say which programs may be worth looking at.
Tell us about the home
Send the basics: where the home is, who owns the land, and whether you are buying or refinancing. A specialist follows up during business hours.
- No obligation
- California & Arizona
- Purchase & refinance
Send us the basics
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