While other financial institutions do not finance manufactured, mobile or modular homes, Santiago Financial, Inc. SPECIALIZES in this area. We offer a wide variety of loan programs for purchases or refinancing on all types of factory built homes without any prepayment penalties.

Program I

  • Excellent/Good Established Credit
  • Homes built after 6/13/76
  • Min 5-10% down payment
  • Terms 20-23 years fully Amortized

Program II

  • Fair/Good Credit
  • Homes built after 6/13/76
  • Min 10-20% down payment required
  • Terms to 20 years
  • Terms 20-23 years fully Amortized

Program III

  • Limited/Marginal/Poor credit
  • All Age Home
  • Min 25-50% down payment required
  • Terms 10-23 years fully Amortized

Program IV

  • Pre Hud Fair/Good Credit
  • Homes built prior to 6/13/76
  • 5% Min. down payment required
  • Terms 15-23 years fully Amortized

Program V

  • Land-Home
  • Min 10% down on homes built after 6/13/76
  • Min 20% down on homes built prior to 6/13/76
  • Larger parcels, 2 homes on property considered on case by case basis
  • Terms 20-23 years fully Amortized
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