Apply for Your Home Loan
Start the secure online application, download a printable one, or call. A specialist reviews what you send, tells you what is still needed, and guides you from there.
“Start the online application” takes you to the authorization step below; agreeing opens apply.santiagofinancial.com, Santiago Financial's secure application portal — the complete credit application in three short pages (applicant, co-applicant, home). Prefer to start with less? Call us, or download the Quick Application below.
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Application
Apply online (three short pages), on a printable form, or by phone with a specialist. We confirm the basics: which home, where it sits, who owns the land, and whether you are buying or refinancing.
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Review and decision
The application is reviewed against current program guidelines. The outcome may be an approval with conditions, a counter-offer with different terms, or a decline. All financing is subject to credit approval; not all applicants will qualify.
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Documents and conditions
An approval comes with a list of what is needed before the loan can fund: identification, income and asset documents, the purchase agreement or current loan statement, and home details such as the serial number or HUD label.
The remaining stages are community approval (for a home in a community, running alongside the loan file), the value review, title and insurance, signing, and funding. How the loan process works walks through all eight stages and who does what at each one.
What happens after you apply
A Santiago Financial specialist reviews your application and follows up during business hours to confirm details, explain what documents are needed, and outline your next steps. All financing is subject to credit approval; not all applicants will qualify.
Keep your information safe
Please don’t send Social Security numbers, dates of birth, or bank account details through the contact form or regular email. Sensitive details are only collected through the secure application process — we’ll tell you exactly what’s needed and how to provide it safely.
What to have handy
You do not need all of this to call us — we can start with much less. But manufactured home applications stall on the same few details, and having these ready moves things along.
About the home
- Year, make/model, and size
- Whether it is a single-, double-, or triple-section home
- Serial number or HUD label, if you can find it
- The home’s address or the community it sits in
The HUD label is a small metal plate on the exterior end wall of each section. The serial number is printed on the data plate, a paper sheet inside the home, usually in a kitchen cabinet, on the electrical panel door, or in a bedroom closet.
About the land
- Whether the homesite is leased or owned
- If leased: the community name and current space rent
- If owned: the parcel or deed information
- Whether the land and home would transfer together
Space rent is set by the community and is paid separately from your loan payment.
About the transaction
- Whether you are buying, refinancing, or still deciding
- If buying from a dealer or retailer: the company name
- If buying from a private party: the seller’s details
- If refinancing: your current lender and approximate payoff
Private-party and family sales are common and financeable; they just need a clear agreement and clean title.
Where the HUD label and the data plate are found
Take a phone photo of each one: the loan file, the title record, and the insurance quote all identify the home by these numbers. More in HUD label, data plate, and serial number.
Missing something? That is normal, and it is rarely a reason to wait. Serial numbers, community paperwork, and payoff figures are things we help track down every week — tell us what you have and we will work out the rest.
Prefer to fill out a form?
Download, complete, and return any of the applications below. Need help choosing? Contact us and we’ll point you to the right one.
- Quick Application (English)
- Quick Application (Spanish)
- Full Credit Application — California
- Credit Application — Arizona
- Credit Application (Spanish)
Return completed forms by fax to (714) 731-3908, or call (714) 731-8080 and we will tell you the best way to send them securely. Please do not email a completed application — it contains sensitive information.
Questions before you apply?
Talk with a specialist about which program fits your situation. No obligation.