Serving Mobile and Manufactured Home Owners For Over 40 Years

Mobile Home Financing

Santiago Financial, Inc. specializes in financing mobile homes at the most affordable rates possible. We have competitive loan packages that suit your individual needs. Many financial institutions lack options for manufactured mobile, or modular home financing capabilities. For over forty years, Santiago Financial, Inc. has specialized in all aspects of manufactured and mobile home lending. We offer several different loan programs based on credit evaluation and the age of the mobile home. We aim to be as versatile as possible so that we can match the differing needs of our clients. Don’t hesitate to ask us how we can help you!

Are You Ready For A New Home?

So many of our customers have the same stories. More often than not, they know that they want a better home situation, but they aren’t sure what their options are. At Santiago Financial, we want to help everyone to find themselves in a good home. We know that not everyone has a 12% downpayment on a large home. That’s just fine. Mobile homes are the perfect solution for someone who wants that real-home feel and investment without having to spend a ridiculous amount of money upfront. We believe that everyone deserves a nice place to live and mobile homes are a great option for a lot of people. Whether it is about saving money or just getting a more reasonable amount of space, mobile homes can perfectly suit your needs.


We love helping people to purchase mobile homes because it is the best possible decision for homeowners who are looking to move for a reasonable amount of money. You can easily get a brand new mobile home for much less than you would pay for any alternative, including apartments. Even better, you can enjoy customizing your mobile home so that you end up with the home of your dreams. If you have been wondering whether or not you are actually ready for a new home, the answer is yes, and we so look forward to helping you to get there!

How Does Financing A Mobile Home Work?

Financing a mobile home is just as easy as financing a regular home, and the processes are incredibly similar. Our goal is to work with you as a partner in order to ensure that your experience in purchasing a mobile home goes smoothly. We handle the financial end, meaning we can work with you to find what a realistic home in your budget looks like, and then we can help you to game plan from there.


There are two major distinguishing factors when it comes to financing a mobile home. The first consideration is what mobile home you intend to finance. Financing a new mobile home is a process that is largely built around budget. We can help you to secure a loan and then work to find what works within your financial range. Our team can help you to find out what added perks you can be getting, or if the home that you’re looking at might cause financial strain. It is also the right time to discuss any potential bonuses or other key features that the loan can cover, particularly if you are having one custom built.


The next option when it comes to financing your mobile home is if it is a previously owned mobile home. Previously owned mobile homes can come with tremendous savings opportunities and we are more than happy to help you to find a reasonably priced home that will suit all of your needs. We can take into consideration factors like the age of the home to see if you can get a better deal in any way. 


In addition to traditional financing opportunities, we are also happy to help you refinance. If you already own a mobile home and are planning on improving your loan or are in need of financial assistance, this is another financing area that we can help you with. Maybe your original lending company doesn’t seem to have your best interests at heart. We are always sad to hear that, but we also love knowing that we can help. Customers come to us for refinancing options to secure a better loan all the time. Don’t hesitate to ask!

How Long Will I Have To Pay On My Mobile Home Loan?

When you finance a mobile home with us, you can expect to get a completely customized loan. Though we do have basic features and templates that we offer, we specialize in going above and beyond to make sure that you are getting the best possible loan at any given point in time. We work with you directly to learn everything that we need to know about your personal background, your financial situation, and the features of your dream home. Combining this, we work to create a customized loan that is perfectly tailored to match your needs. With that being said, loan lengths can differ.


The length of a loan is dependent upon several different attributes of the financial agreement. On one hand, we will look at the overall cost of the loan. Higher loans generally come with longer loan agreements because it is in the best interest of the customer to take their time by paying a reasonable amount each month. However, depending on your circumstances, the loan length might be lower. At the same time, loans for lower dollar amounts are generally easier to pay off more quickly. However, that still might not be right for you depending on your financial situation.


At the end of the day the length of the loan is a discussion to have between us and you. Though we do generally have set lengths for you to choose from, that doesn’t mean that our loan lengths are one-size-fits-all. We are more than happy to help you to secure a loan for your home over a reasonable length of time that works for you, no matter what that looks like.

Is Financing A Mobile Home The Same As A Mortgage?

The process by which we finance your mobile home loan is generally dependent upon certain key features about the mobile home itself. For some people, there are loan options that are more comparable to personal loans that work effectively. However, we also proudly offer mobile home mortgages, even on older homes. Historically, other financial companies did not like to offer mortgages for mobile homes. In truth, we think that this was a tremendous oversight on their part, and we are happy to correct it. As far as we are concerned, any home is a good home for a mortgage. 

Do You Charge Interest?

No matter what kind of loan you get, all loans will charge interest. Interest is how you pay lending companies for giving you the money upfront to make your purchase. Even though we do charge you interest, we always work to get you the lowest possible interest rate so that you don’t end up overpaying for your home. Interest rates can vary depending on the amount of the loan, the length of the loan, and certain factors from your credit report. Still, our interest rates are chosen with our customers in mind and we aim to make them incredibly affordable.

Will I Need A Co-signer?

The nature of financing is that sometimes it is something that we cannot do alone. The majority of our clients do not require a co-signer to purchase their mobile home. However, some people do. In the event that we do need you to have a co-signer, that is something that we will address with you upon circumstantial approval of your loan. We will always explain to you what led to our decision and help you to make the right choice for yourself.

How Long Does It Take To Finance A Mobile Home?

The Santiago Financial team is proud to offer you the fastest service possible. At the point when you reach out to us to apply, we will immediately help you to get the ball rolling. On average, we will have our response to your loan application within two days. This means that you will know if you qualify for a lending opportunity with us, or what led us to the decision that we made not to loan money to you at this time. In the event that you are approved, we will quickly take action to approach the next steps of obtaining your mobile home. We have many trusted partners and are able to help you through the entire process with their help.

Santiago Financial: Your Financial Partners

We can give you options when it comes to your mobile home financing in Orange County, CA. More importantly, we can give you advice. We’re here to help you successfully purchase and finance your mobile home. Our team is committed to helping customers through this process every step of the way. We know that purchasing a home can be a big decision. Finding the right home, managing your loan, and deciding what is right for you or your family can take a lot of work. This is why we want to help you every step of the way!


Santiago Financial, Inc. is happy to help you navigate the process of financing your mobile home in Orange County, CA. We’re here to be your trusted ally. We’re here to make this process easy and affordable. We’re confident we can help you navigate your next important investment. Call us today for a free consultation. Finance any mobile home in Orange County today. We look forward to working with you. 

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