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?
Purchase, refinance, dealer, and buyer financing options across California & Arizona — all subject to credit approval.
I want to buy a home
Purchase financing for manufactured & mobile homes — in a community or on land.
Explore purchase loansI want to refinance
Lower your payment, change your term, or explore cash-out options.
Refinance optionsEstimate a payment
Try the free calculator, then talk with a specialist for a complete review.
Use the calculatorI’m a dealer or agent
Refer buyers early and keep deals on track with a lender who specializes in 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.
A clear path from application to keys
Four stages, one team coordinating them. Timelines vary with each transaction.
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Apply
Start with a simple application — online, by phone, or with a specialist.
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Gather documents
We tell you exactly what’s needed to move toward approval.
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Approval, value & community
We coordinate the value review, escrow, community approval, and insurance so the pieces move together.
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Sign & close
You sign your 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.
Our manufactured home loan experts
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 including purchase loans, refinance programs, and land-and-home packages. Programs are available for homes in parks (on leased land) and on owned land. Available terms depend on borrower qualifications, property type, and lender guidelines. Contact us for current program details.
What areas do you serve?
Santiago Financial, Inc. arranges loans in California and Arizona only. We work with buyers, dealers, real estate agents, and homeowners throughout both states.
How much do I need for a down payment?
There is no single answer. The down payment depends on the program, your credit profile, the home, and whether the land is leased or owned, and requirements change over time. Rather than planning around one percentage you read online, use our payment calculator to model scenarios, then contact us for an estimate based on the actual property. All financing is subject to credit approval.
What is the difference between a mobile home and a manufactured home?
Homes built before June 15, 1976 are generally referred to as “mobile homes,” while those built after that date are “manufactured homes” built to the federal HUD code. The distinction can affect financing options. Santiago Financial works with both, depending on lender and program guidelines.
How long does the loan process take?
Timelines vary with each transaction, but the process generally moves from application and document collection to approval, appraisal, escrow, park approval, and signing. We guide you through every step. Contact us for a current estimate based on your situation.
Can I get financing with less-than-perfect credit?
We accommodate a range of credit levels and review each application individually. All loans are subject to credit approval and not all applicants will qualify. Reach out and we can discuss options that may fit your circumstances.
Start your homeownership journey
Fill out the form and our lending team will guide you through every stage of financing your mobile or manufactured home — no obligation.
- No obligation
- California & Arizona
- Purchase & refinance
Connect with our experts
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