Serving Mobile and Manufactured Home Owners For Over 40 Years

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 to carry on our legacy with new clients just like you!

The Beauty of Manufactured Homes

Manufactured homes are becoming an increasingly more popular option for interested individuals all around the country. In California, the manufactured home real estate market is really starting to open up, which is one of many reasons that we are so happy to offer affordable loans for these homes that make moving in easy for our clients. These small and modern homes are becoming more relevant with each passing day, and we happen to think that they are a great investment! The manufactured home of today might just be the home that you have been looking for. 


The majority of us would agree that owning a home certainly beats out renting. With a rental, you are pretty much throwing your money away. Every single month, you are investing money that you will never see back. Regardless, so many people struggle while paying rent because they think that they can’t afford a house. In reality, this couldn’t be any further from the truth. Manufactured homes are a great way to get a home and start investing in your property today.


Santiago Financial is a proud manufactured home lender because we know that manufactured homes are a great fit for families. They allow you to receive the full comfort of a home at a much lower price. For this reason, some people wonder how they can really be worth the investment. Why are they so cheap? Well, like many other modern home options, they are fairly small. This doesn’t mean that they are too small by any means. In fact, they are perfectly sized for a family and can provide you with a comfortable living space. However, they are still somewhat smaller than traditional housing options. They are also assembled off-site and then transported to a new location. This allows them to cut down on many kinds of construction costs since they are not actually building into the ground.


If you are worried that these homes might not be real homes, rest assured that they are. Manufactured homes are held to the same HUD building codes that other homes are. They are just a different kind of home with a different building process. They are just as safe, functional, and nice as any other home. In fact, you can enjoy a brand new home experience for a fraction of the price of a traditional home option. If you still have questions, feel free to contact us. We will be happy to help you learn more about what a manufactured home can do for you and your family.

Why Manufactured Homes?

Manufactured homes are a modern homing solution that is perfect for new homeowners or homeowners on a budget. These homes are the perfect fit for an individual or family looking for a reasonable amount of space and a wonderful budget. At Santiago Financial, we believe that manufactured homes are a worthwhile investment, and our customers seem to think so too. 


For us, manufactured homes are a great lending opportunity. So many people can benefit from owning a manufactured home, and it is realistically a great savings opportunity for a lot of people. We work in the real estate market because our goal is to help great people just like you invest in a good home. By offering lending opportunities for manufactured homes, we are hoping to help our customers get a home that fits their needs. 


Traditional housing is a large market, and we absolutely support it, but we also know that traditional housing isn’t the right fit for everyone. Some people simply do not have an interest in that much space. Others like more versatility in choosing their living location. Many people cannot feasibly handle their financial burden that a traditional mortgage can bring. Whatever your reason is, we simply want to help. Manufactured homes, in our opinion, provide a great opportunity for our clients. Since we are in the business of helping people to invest in their very own homes, we saw this need and decided to assist with it.

Do You Offer Traditional Mortgages?

At Santiago Financial, no two mortgages are alike. Mortgages are dependent upon a wide range of factors surrounding the home and you as an individual. Our financing approach is custom-tailored to you. In many ways, we do offer traditional mortgages, but more importantly, we offer mortgages that are designed to fit your home and your circumstance.


Traditional mortgages are only one of the available options when it comes to financing. You might just find that there is a better deal in a non-traditional mortgage with us instead. At the end of the day, the differences do not really change anything on your end. However, it does grant us the ability to find more effective lending solutions so that you get the best possible deal.

Serving The Beautiful State of California

For over 40 years, as we’ve improved our knowledge and expertise, we’ve also expanded our reach to northern California. From San Jose and Sunnyvale, from San Diego to Orange and Los Angeles counties, Santiago Financial continues to be a trusted name in manufactured housing loans within the state of California. We take a lot of pride in serving our local area.


At Santiago Financial, we know that California is without a doubt the best place to live. Our team is composed of natives and locals who want to help California to really shine. You can rest easy knowing that we are playing our part when it comes to helping this beautiful state to shine just a little bit brighter. In California, the real estate lending world is incredibly competitive, which is why we always put our best foot forward.


California real estate is highly coveted, and we aim to provide our clients with high-quality real estate that will not absolutely break the bank. By offering California residents reasonable lending prices, we hope to not only stimulate the economy but also help our clients to find a quality investment that they can count on. We think that everyone should want to live in California, which is why we work hard to make it so easy for you to move into the home of your dreams. Whether you are new to California or a local, we can help you to get into a manufactured home quickly and easily.

Do I Need To Have A Home Picked Out?

At Santiago Financial, we are a lending company, but we also network with a wide range of talented individuals within the real estate industry. Thanks to our team’s connection to our peers in the industry, we are able to help you manage your home buying process every step of the way. If you haven’t selected a home yet, don’t worry. Come to us and see how we can help.


As a lending company, we are able to work with you to determine what the right-sized loan will be for you. We can then take this knowledge and use it to connect with our peers to help you find the right home for your family. In fact, our friends in the industry can help you with finding a home, having a home built, and even selecting a community to move into. 


We know that purchasing a home is a big step, which is why we aim to know about every part of the process. For us, it is important to know what we are helping our clients to purchase. This is why we pair with industry experts to help our customers land themselves in the best possible home!

Do I Qualify For A Manufactured Home?

Many people assume that they will not qualify for a manufactured home if they don’t qualify for a traditional home, but that actually isn’t the case at all. In fact, you might just find that you qualify for a great manufactured home even if you have recently been turned down for other home options. 


Every individual has different circumstances and at Santiago Financial, we aim to meet your needs. It brings us so much joy to watch our customers get excited about their new home when we reach out with an approval call. We have had plenty of clients who didn’t think that they would qualify for homes and were thrilled to learn how many nice home options are actually available to them.


If you’re not sure whether or not you will qualify, don’t worry. You can reach out to use any time to fill out an application and get your home-buying process started. You might be excited to realize how quickly we can get you in your new home!

Easy Application Process

Most of us don’t like to waste time when it comes to important life changes. We completely understand this, which is why we have committed to making our application process as easy as humanly possible. When you fill out an application, it takes up a short amount of your time. All you need to do is provide us with some key information and we will begin to evaluate your loan request immediately.


At Santiago Financial, we know that everyone has their own needs and preferences when it comes to processes like this. Whether you want to apply by phone, fax, online, or even via email, we make it easy for you. Our goal is to make it for clients from all over to easily apply for our lending services. We aim to make it quick and easy so you don’t have to worry about whether or not you know how to manage it.

Our Application Process Requires:

When you work with us, you can expect to feel completely supported. Our team will be there with you every step of the way whether you have questions, concerns, or just want to chat about the process. You will be able to count on us to help you see the process through. From start to finish, the entire loan process should take around thirty days.

Why Choose Santiago Financial?

We think that there are a lot of good reasons to work with our team, but the biggest one is without question the fact that we are eager to help you to get the best possible deal. When you are happy, we are happy. Our business is all about helping interested individuals to get into the home that they have been chasing. You can count on us to go above and beyond for you because it is our goal to do exactly that.


The Santiago Financial team is enthusiastic about helping people to land their homes. We are always saddened to hear about our customers who spend too much time and too much money renting when they could be investing in their future. With our help, you can make moves to land yourself in the perfect manufactured home of your dream. These economical home options are perfect for individuals, couples, and families alike.


Your initial consultation is always free at Santiago Financial. Our team will get back to you within two days of your application to let you know how we can proceed. We are committed to prompt service at affordable rates. We’re a full-service manufactured housing lender that is ready to go the extra mile for you, no matter what your needs are. Contact Santiago Financial’s friendly and knowledgeable licensed mortgage loan originators and we’ll get you started on your manufactured housing loan process today. Don’t wait!

Skip to content