A financing partner for manufactured-home transactions
Dealers, agents, sellers, community managers, and escrow teams work with Santiago Financial because manufactured housing is all we do — our specialty since 1975, now serving California and Arizona.
If you help people buy, sell, or manage manufactured and mobile homes, the financing is usually the part of the transaction with the most moving parts: community approval, a title held by a state agency, and a value supported by comparable sales or by an appraisal of home and land together. Manufactured housing is all we finance, so those are routine questions here. Bring us in before the offer and we can tell you early what the file will need. All financing is subject to credit approval; not all applicants will qualify.
Who we work with
Manufactured home dealers
Send buyers to a lender who only does manufactured housing. Early pre-qualification helps you match shoppers to homes they can realistically finance — in a community or on land.
Real estate agents
List and sell manufactured homes with financing that understands park approval, personal-property titles, and owned-land deals — so your escrows are less likely to stall on the loan.
Sellers
A financeable listing reaches more buyers. We can explain what a buyer’s lender will ask for — clean title, community terms, payoff details — before you go to market.
Community managers
When a resident sells or a new buyer applies, we coordinate the loan review with your resident approval, which runs separately, so you know where the loan stands while your own review is under way.
Escrow & transaction pros
Work with a specialist who knows manufactured-home escrow: title, HCD or MVD documentation, community sign-off, and the title transfer and lien release at closing.
Support through the whole transaction
From first conversation to closing, the points in a transaction where a manufactured-housing specialist makes a difference.
Early financing conversations
The best time to loop us in is before an offer. An early pre-qualification gives everyone a realistic budget to work from. Pre-qualification is not final approval.
Property & title information
Manufactured homes carry their own title questions — personal property vs. affixed to owned land. We flag what the file needs early instead of mid-escrow.
Community or land documentation
Space-lease terms and resident approval for community homes; land title, access, and utilities for owned-land homes. We tell you which set applies.
Comparable sales & valuation
Pricing a manufactured home is its own discipline. Our comparable sales reports give a California listing a two-year sales history for its community to price against. A report is sales data, not an appraisal.
Communication through closing
You and your client get a specialist who returns calls and says what the file still needs, from the application through closing.
Clear California & Arizona scope
We finance manufactured and mobile homes located in California and Arizona only. Knowing our lane up front keeps everyone’s expectations honest.
Two tools professionals use most
Alongside financing, two services come up constantly in partner conversations:
- Comparable sales reports — a two-year sales history for any California park or community, for one-time orders or ongoing member access (agents, dealers, appraisers, brokers, lenders).
- Insurance services — quotes for manufactured and mobile homes, which can be requested alongside the loan so the policy naming the lender is in place before closing.
Not sure where your deal fits? Contact our team and choose “Dealer / Agent Partnership,” or call (714) 731-8080. We’ll point you to the right next step — no formal agreement required to get a straight answer.
Guides for professionals
- What real estate agents should know about manufactured home financing
- Manufactured home financing for dealers
- What park managers should know when a resident is financing
Forms partners use
The Community Certification, Retailer Disclosure and Certification, Purchase Order, Home Purchase Agreement, and Seller Interview are on our printable forms page. Buyers can start with the Quick Application or the full credit application.
Refer a client
Use the contact form (it opens with “Dealer / Agent Partnership” selected) or call (714) 731-8080. With your client’s permission, include:
- your client’s name and best phone number;
- the home or community, and whether the land is leased or owned;
- the price, and whether it is a purchase or a refinance;
- where the deal stands (shopping, offer made, or in escrow).
Please don’t send Social Security numbers, dates of birth, or bank details through the form.
Have a deal that needs financing?
Loop us in early: a pre-qualification, a list of what the file will need, and a specialist who returns calls, across California and Arizona. Subject to credit approval.