Scotsman Guide > Residential > Directories > Niche Lenders

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Mobile/Manufactured Homes

 

Agoura Hills Financial
AHF will consider loans with this criteria. We are an equity-driven private lender. No minimum FICO. Up to 65% LTV. Contact us today for a quick close!
Lending Territory: Southern CA

First National Bank of America
No minimum FICO required. Manufactured or mobile homes with land (unlimited acreage). Single and double-wide are okay. LTVs up to 70%. Loans are fixed-rate.
Lending Territory: NATIONWIDE

FMC Lending 
Manufactured home lender. Mobile homes allowed. Must be on foundation. Purchase, refinance, cash-out all property conditions. Direct private money lender - asset based. Fast 7-day close. No credit needed. Bad credit OK. 400+ FICO allowed. Bankruptcy allowed. Foreclosure bailout allowed. Debtor in possession allowed. No doc stated loan programs; non-owner or second home. No tax returns. No bank statements. Alternative lender $50,000 - $12,000,000 loan limits. Same day approvals. 70-75% LTV. 
Lending Territory: CA, CO, DC, FL, NC, TX, WA

GSF Mortgage Corp.
No overlays for mobile/manuf. homes. Highlights: FHA 30-year fixed up to 96.5% LTV; VA 30-year fixed up to 100% LTV; USDA 30-year fixed up to 100% LTV and conventional 30-year fixed up to 95% LTV. All loans are handle in-house. The borrower does not need to requalify after the initial closing and makes no interest payments during the build on most products. Stick-built, manufactured and modular are eligible.
Lending Territory: NATIONWIDE except AL, CT, GA, HI, ID, ME, MT, ND, NE, NH, NM, NV, RI, VT, WV, WY

Hilton Financial Corp.
Non-owner occupied, spec construction, set-ups, renovations, distress sale acquisitions. Affixed only. LTV's up to 65% of completed value, up to 90% LTC. Stated income, fixed rates. Terms: up to 36 months interest only, 5-year balloon with 10 or 15 year amortization.
Lending Territory: AZ, CO, OH, UT

Eligibility requirements include:

  1. Homes must be built in compliance with the Federal Manufactured Home Construction and Safety Standards that were established in 1976.
  2. Homes must be a one-family dwelling legally classified as real property.
  3. Homes must be at least 12 feet wide and have a minimum of 600 square feet of gross living area.
  4. Homes must be attached to a permanent foundation system in accord with manufacturer's requirements.

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