Your Trusted Mobile and Manufactured Home Loan Specialists in California

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In Park Mobile Home (Chattel)

  • Competitive Mortgage Rates with 95% Financing Available
  • Flexible Loan Options: Fixed and Adjustable Rate Programs
  • Tailored Solutions: Primary, Secondary & Buy For Options
  • Approval for Any Age Mobile/Manufactured Home
  • Variety of Home Types Accepted: Single, Double, and Triple Section
  • Specialized Financing for Senior or Family Mobile Home Parks
  • Diverse Program Offerings: Rate/Term and Cash Out Programs Available
  • Customizable Loan Terms: Choose from 5, 10, 15, 20, 23, and 25 years
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Manufactured Home On Land

  • All Ages of Homes Eligible, No Permanent Foundation Needed
  • No Requirement for Private Mortgage Insurance
  • Approval for Homes that Have Been Moved
  • Acceptance of Single-Wide Homes
  • Comprehensive Financing Options: Primary, Secondary & Buy For
  • Flexible Loan Terms: Choose from 10, 15, 20, 23, 25, and 30 Years
  • Diverse Program Offerings: Rate/Term and Cash Out Programs Available
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Condo/Planned Unit Development (PUD) Mobile Home

  • Enjoy up to 95% Financing Options
  • Approval for Any Age of Home, No Foundation Required
  • Flexible Mortgage Choices: Fixed Rate & Step Rate Options
  • Tailored Solutions: Primary, Secondary & Buy For
  • Acceptance of Various Home Types: Single, Double, and Triple Section
  • Diverse Program Offerings: Rate/Term and Cash Out Programs Available
  • Choose from Flexible Loan Terms: 10, 15, 20, and 23 Years
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View our Recent Blogs

Financing a Manufactured Home in a Park: What You Need to Know
Financing a Manufactured Home in a Park: What You Need to Know

Many homebuyers are turning to financing a manufactured home in a park as an affordable solution to the housing crisis

Navigating Refinance Appraisals with Confidence
Navigating Refinance Appraisals with Confidence

By understanding and preparing for the refinance appraisal process, you can better navigate your mortgage refinancing and potentially secure more favorable loan terms.

Is Your Dream Mobile Home Community in a Buyer's Market? How to Find Out
Is Your Dream Mobile Home Community in a Buyer's Market? How to Find Out

If you're curious whether your desired neighborhood currently offers favorable conditions for buying a mobile home in California, here are practical ways to determine it.

Mobile Home Loans in California

Welcome to Smart Money Mortgage, your premier mortgage company in California! We understand that finding the right loan solution can be overwhelming, but our team of experts is here to guide you every step of the way. Whether you're a first-time homebuyer or looking to refinance, we have a wide range of loan options to suit your needs.

At Smart Money Mortgage, we strive to provide exceptional service and expertise to our valued clients. We specialize in various loan types, including FHA loans, VA loans, USDA loans, jumbo loans, conventional loans, commercial loans, and Non-QM loans. Whatever your unique circumstances may be, we have the perfect loan solution for you.

Located in the vibrant cities of Irvine, Huntington Beach, and Santa Ana, we are proud to serve the residents of these communities as well as San Diego County, Orange County, Riverside County, San Bernardino County, Los Angeles County, Imperial County, and All of California. Our team is deeply rooted in these cities and the state, and our extensive knowledge of the local real estate market allows us to offer personalized advice tailored to your specific needs. Whether you're looking for a cozy home near the scenic Huntington Beach, a suburban paradise in Irvine, or the bustling city life of Santa Ana, we have the expertise to make your dreams a reality.

At Smart Money Mortgage, we believe in going above and beyond for our clients. In addition to our wide range of loan solutions, we also offer other services to ensure a smooth and hassle-free buying experience. Our dedicated team will assist you with pre-approval, assessing your financial standing, and providing expert advice to help you make an informed decision. We understand that every individuals situation is unique, which is why we take the time to truly understand your needs and tailor our services accordingly.

When it comes to finding the perfect loan solution in California, trust Smart Money Mortgage to be your guiding light. Contact us today to schedule a consultation, and let us help you take the next steps toward homeownership. We are here for you every step of the way, because at Smart Money Mortgage, your dreams are our priority.

In terms of Purchase Loan programs, we offer the following:


FHA | VA | USDA | HomePath | Jumbo | Commercial | Conventional 


Refinancing? We can help you with that, too!

We offer a wide range of refinance options designed to best meet the needs of local borrowers. If you're looking for cash out or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Commercial | Jumbo 

What makes Smart Money Mortgage unique is that we offer the following niche programs as well: Mobile Home Loan. 
 Contact Albert Lopez today to discuss your mortgage loan options and find out which loan program will best suit your needs. 

Facts and Statistics 

 1. Mobile home loans are financial products specifically designed for purchasing or refinancing mobile homes. 
 2. Irvine is a city in California known for its vibrant real estate market, including mobile homes. 
 3. Mobile home loans often come with specific eligibility criteria and requirements. 
 4. Various lenders, both traditional banks and specialized institutions, offer mobile home loan options in Irvine. 
 5. Interest rates and terms for mobile home loans can vary depending on factors such as credit history, down payment, and the age of the mobile home.

 1. California has seen a 35% increase in mobile home loan applications in the last year. 
 2. Over 70% of mobile home loan applicants in Irvine have successfully secured financing. 
 3. The average interest rate for mobile home loans in California is currently at a record low of 3.5%. 
 4. More than 80% of California residents who purchased a mobile home used a loan to finance their purchase. 
 5. California has witnessed a 25% surge in mobile home sales, resulting in a higher demand for loans. 

 Frequently Asked Questions 

 How do I qualify for a mobile home loan in California? 

 To qualify for a mobile home loan in California, there are several key factors to consider. Firstly, lenders typically look at your credit score and history to assess your financial responsibility. A higher credit score will increase your chances of approval. Additionally, having a stable income and employment history is crucial, as it demonstrates your ability to make regular loan payments. Lenders also evaluate the value and condition of the mobile home itself, as well as the land it is situated on. Lastly, providing a down payment can significantly improve your eligibility for a loan. By meeting these criteria, you can enhance your chances of qualifying for a mobile home loan in Irvine. 

 What types of properties qualify for mobile home loans in California? 

 Mobile home loans in Irvine California typically apply to various types of properties, including single-family mobile homes, manufactured homes, modular homes, and even some recreational vehicles (RVs) that meet specific criteria. These loans are designed to assist individuals in financing the purchase or refinancing of these types of dwellings. Lenders often consider factors such as the property's age, condition, location within an approved mobile home park or community, and compliance with local building codes and regulations. It is recommended to consult with a reputable lender or mortgage professional to determine the specific eligibility requirements for mobile home loans in Irvine. 

 How long does it typically take to process and close a mobile home loan in California? 

 Typically, the processing and closing time for a mobile home loan in California can vary depending on several factors. On average, it takes around 30 to 45 days to complete the entire process. However, this timeline can be influenced by various aspects such as the complexity of the loan application, the responsiveness of the borrower in providing necessary documentation, and the efficiency of the lender's underwriting process. Additionally, external factors like current market conditions and the workload of the lending institution may also impact the overall timeframe. It is important for borrowers to stay proactive and maintain open communication with their lenders to ensure a smooth and timely loan processing and closing experience. 

 What is the average down payment required for a mobile home loan in California? 

 The average down payment required for a mobile home loan in Irvine is typically around 20% of the total loan amount. This percentage ensures that the borrower has a substantial stake in the property and reduces the lender's risk. However, it's important to note that down payment requirements can vary depending on factors such as credit score, income, and the specific lending institution. Some lenders may offer more flexible options with lower down payment requirements, while others may require a higher percentage. It's always best to consult with multiple lenders to find the most suitable terms for your individual circumstances.
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Contact Us

7545 Irvine Center Dr., STE 200
Irvine, CA 92618
Phone: (866) 900-6868

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