Mobile Home Refinancing can lower your monthly payments. You can combine loans, convert a variable rate loan to a fixed rate loan with stable monthly payments and even shorten the length of your loan and save thousands in interest charges.
* Down payment and terms are based on client credit history, collateral, and program selected and will vary based on each clients situation.
Size – Triple, Double-wide and single-wide homes
Rates – Fixed interest rates range from 7.40% to 12.00%*
Terms – Maximum 20 years for most homes, 15 years forSingle-Wide homes
Loan Amount – minimum loan amount is $25,000 after your down payment
Down payment requirement – as little as 10%** of the purchase price
Age of Mobile Home – 1977 or newer for all Double-Wide homes.Single-Wide homes please call.
Closing Costs – maybe financed into your new manufactured home loan.
*Interest rates will vary based on underwriting guidelines. Call to speak with a licensed loan officer regarding your current situation. NMLS 3242 Financial Services Unlimited Inc
**Down Payment Information: Your down payment does not include closing costs or origination fee. Speak with your Realtor regarding the cost of closing (Escrow fees, title transfer fees, inspections and appraisals). Origination fees are typically 3-4% of the loan amount. An origination fee is the fee charged by a lender or broker for writing, processing and completing a loan.
Information We Need From You:
- Is your home on Land or in a Community?
- What is the Year and Manufacturer and the Size of the home
- Which Program(s) are you interested in (purchase, refinance, cash-out, debt consolidation or home improvement)
- A brief understanding of your credit history to include current FICO score (if available)
If you need to refinance your manufactured or mobile home you’ve come to the right place. We are your locally owned loan source for mobile homes, manufactured homes and conventional home mortgages. Our Fastand Easy loan process designed to save you time and money. No login required!
We offer home loans for:
New Home Purchases, Refinance, Debt-Consolidation, Cash-Out, and Home Improvements
Our loans are straight forward:
Free no cost or obligation loan pre-qualification, No application fees, Fast and easy loan processing, fixed rates, No pre-payment penalty, terms up to 25 years for new homes over $75,000 financed, Automatic payment program available.
Loan Refinancing Info:
In-Park or Leased Land, Private Land Not Owned by the Borrower or Home-Only
Non-conforming, Lender Portfolio Personal Property Loans
Pre-qualification fees: No Upfront Application or Credit Bureau Fees to obtain pre-qualification.
Rate Products: We offer Fixed, Variable and Step Rates. Some restrictions may apply based on your location.
Interest Rates: Range from 7.40% to 12% depending on your overall credit quality, the age of the home, your collateral type, loan amount, loan-to-value and type of interest rate program selected. Your rate will be determined and outlined on your pre-qualification letter.
Home Only: Up to 20 years, based on the age of the home, loan amount and program type.
Down Payment: 10% based on excellent credit. 10%-20% down based on good to average credit history.
Occupancy: Owner occupied only - No rental, Investment, Buy-for Family/Friends or Co-signer programs.
Second or Vacation Homes in resort/recreational locations are acceptable with 20% down and Min. of 700 FICO Score.
Minimum Loan Size:
Home Only: $25,000 (Single-Wide, Double-Wide and Triple-Wide)
Age of Home:
Single-Wide: 1977 or newer Double-Wide and Triple-Wide: 1977 or newer POST-HUD (exceptions available in CA)
No Prepayment Penalties: Pay-off your loan early, make additional payments or refinance without a penalty.
Bank Repossessions/HUD Foreclosures: We do not offer financing for repossessions or foreclosed properties.
Our professional, friendly and informed loan specialists are ready to discuss your financing options. Give us a call at (800) 238-9202 or complete the short request form below and we'll be in touch with you right away.
Financial Services Unlimited, Inc. is an Equal Housing Lender. NMLS #3242
Mobile Home Loan Request:
Find current rates on mobile home financing programs by completing the form below. If you have experienced bankruptcy, foreclosure, repossession, charge-off or judgments within the last 5 years, or if your credit score is below 650, please visit our credit repair section before applying. Call (800) 238-9202 for more info.