Your Trusted California Mobile Home Loan Specialists

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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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California Mobile Home Loan Specialists: Expert Financing for Manufactured Homes

Finding the right loan for a mobile or manufactured home in California can be simple with experts on your side. The specialists at "" provide personalized solutions according to your needs. They don't just know about loans, but they also understand the unique particulars linked specifically to mobile homes in this state that most people might not consider. Now comes the part where you learn about their comprehensive services.

Smart Money Mortgage is a leading mobile home loan specialist in California, offering a range of loan programs for in-park mobile homes, manufactured homes on land, and condo/planned unit development (PUD) mobile homes. 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, and All of California. Our competitive mortgage rates, flexible loan options, and expertise in financing various types of mobile homes make us a top choice for those seeking specialized lending solutions in California.

Meet the California Mobile Home Loan Specialists

When it comes to financing for mobile and manufactured homes in California, working with a specialist who understands the unique intricacies of these loans is crucial. Our California mobile home loan specialists at Smart Money Mortgage are dedicated professionals ready to guide you through the process every step of the way. They specialize in providing tailored financial solutions that meet the specific needs of individuals seeking to purchase or refinance their mobile homes.

These experts possess extensive experience in handling diverse scenarios and can assist with various types of properties, including in-park mobile homes, manufactured homes on land, and condo/planned unit development (PUD) mobile homes. Their knowledge extends across different loan programs, such as fixed and adjustable rate options, and various financing terms ranging from 5 to 30 years. Whether it's a first-time purchase, a transition from renting to ownership, or refinancing an existing mortgage, our specialists are equipped to provide personalized assistance tailored to your unique circumstances.

In addition to their proficiency in mobile home financing, our specialists possess a deep understanding of the eligibility criteria and specific requirements associated with obtaining loans for mobile homes in California. They stay updated on the latest industry trends, lending regulations, and market conditions to offer well-informed advice and support to clients throughout the loan application and approval process.

For instance, let's say you're interested in purchasing a mobile home within a senior or family mobile home park. Our specialists can provide specialized financing options tailored to the distinct considerations associated with these types of properties. From navigating the paperwork to exploring suitable loan programs, their expertise ensures that you receive comprehensive guidance from start to finish.

Choosing a reliable partner for your mobile home financing journey is key, and our California mobile home loan specialists are committed to providing you with the expertise and support needed to make informed decisions regarding your investment.

As you venture further into exploring tailored financial solutions for your future abode, let's examine the comprehensive range of services offered by Smart Money Mortgage.

Comprehensive Services Offered

When it comes to financing your mobile home in California, the specialists at Smart Money Mortgage have got you covered. Let's explore the broad spectrum of services they provide, starting with their loan programs tailored for different types of mobile homes.

Loan Programs

Smart Money Mortgage offers a variety of loan programs designed to meet the unique needs of mobile homeowners. This includes financing options for in-park mobile homes, manufactured homes on land, and condo/planned unit development (PUD) mobile homes. Whether you own a single, double, or triple section home, they have customizable loan terms ranging from 5 to 30 years to suit your specific requirements.

This breadth of loan options ensures that no matter what type of mobile home you have or where it's located, Smart Money Mortgage can provide the financial solutions needed to achieve your homeownership goals. Their flexibility and willingness to work with a variety of home types reflect their commitment to serving the diverse mobile homeowner community in California.

Specialized Financing

In addition to their standard loan programs, Smart Money Mortgage also offers specialized financing options for senior or family mobile home parks. This specialized financing is tailored to meet the distinctive needs of these types of communities, recognizing the importance of creating financial solutions that cater specifically to their requirements. By providing specialized financing for different park settings, Smart Money Mortgage demonstrates their commitment to supporting various segments within the mobile home community.

The ability to provide specialized financing reflects an understanding of the unique dynamics at play in senior or family mobile home parks. It signifies a dedication not just to financial transactions but also to building relationships and understanding the nuances within different mobile home communities. This level of specialization sets Smart Money Mortgage apart in its approach to serving California's diverse mobile homeowner population.

By offering this comprehensive range of services, including tailored loan programs and specialized financing options, Smart Money Mortgage has established itself as a trusted partner for all aspects of mobile home ownership in California. Their commitment to meeting the individual needs of each client reflects a deep understanding of the complexities involved in securing financing for manufactured homes. Whether you're purchasing a mobile home or looking to refinance an existing loan, Smart Money Mortgage provides the expertise and support needed to navigate the process with confidence.

Understanding the array of financial opportunities available is key to making informed decisions when pursuing a mortgage for a manufactured home. Now, let's delve deeper into exploring "The Array of Financial Opportunities Available" in this segment.

The Financing Options Available

When it comes to financing a manufactured home, having a variety of options can make a significant difference. Smart Money Mortgage offers a range of financing options specially designed for mobile and manufactured homes. Let's take a closer look at what types of loans are available and the terms that borrowers can expect.

Loan Types

Smart Money Mortgage offers diverse loan options to cater to different financial needs. You can choose between fixed-rate or adjustable-rate programs based on what suits you best.

Loan Type



This option provides stability as your interest rate remains the same throughout the entire loan term. Beneficial for those who prefer knowing exactly how much they need to pay every month without any surprises.


Offers flexibility with an interest rate that can change over time. This might be a good fit if you anticipate changes in your financial situation or plan to sell the home before the rate adjusts. It's important to understand the risks and benefits associated with adjustable-rate mortgages and consider how they align with your financial goals.

These options give borrowers the flexibility to choose what works best for their current and future financial situations.

Loan Terms

The loan terms offered by Smart Money Mortgage span from 5 to 30 years, providing you with some leeway in deciding how long you want to take to repay your loan.

For example, if you opt for a 15-year term, you'll have higher monthly payments than if you choose a 30-year term, but your overall interest costs will be lower due to the shorter repayment period. This flexibility is critical in ensuring your loan aligns with your long-term financial goals and capabilities.

Remember, it's always good practice to consult with a mortgage expert who can help guide you through these decisions by tailoring them specifically to your individual circumstances.

Now that we've explored the financing options available for manufactured homes, let's delve into the process of pre-approval requirements.

Process of Pre-Approval Requirements

When diving into the world of purchasing or refinancing a manufactured home, the initial step involves obtaining pre-approval. This is where lenders assess your financial situation and inform you of the maximum loan amount they are willing to offer. Understanding your purchasing power enables you to hunt for homes within your financial reach.

Credit Score and History

Your credit score and history significantly influence the pre-approval process. Lenders use this score to gauge how effectively you've managed your finances in the past. A high credit score coupled with a history of punctual payments places you in a favorable position. Conversely, any red flags on your credit report, such as missed payments, collections accounts, or bankruptcies, may lead lenders to perceive you as a riskier investment. While this does not necessarily imply that securing a loan is impossible, it could result in less favorable terms.

Before applying for pre-approval, it's vital to allocate time to review, address, or correct any issues on your credit report—this significantly improves your chances of securing the best possible terms.

Income Verification

Lenders also seek assurance that you have a stable income to ensure repayment capability. They may request documents such as pay stubs from your job, W-2 forms, and tax returns from previous years. These documents indicate to lenders that you have not only been earning enough money consistently but have also maintained a stable source of income over time.

For those who are self-employed or earn income from other sources like investments or freelancing, be prepared with additional documentation demonstrating the stability and reliability of these earnings.

By providing evidence of your steady income and maintaining a good credit history, you're setting yourself up for success in the pre-approval process. This ensures that when it comes time to find the home of your dreams, you'll already know what kind of loan options await you.

Comparison: Loan Rates and Terms

When selecting the right mobile home loan, being well-informed about the different interest rates and loan terms available to you is essential. Let's delve into what sets the California mobile home loan specialists apart in terms of competitive mortgage rates and flexible loan terms.

First and foremost, the competitive mortgage rates offered by the specialists stand out as a significant advantage. With the current average interest rate for mobile home loans at a record low of 3.5% in the local market, borrowers can take advantage of this favorable lending environment to secure affordable financing for their mobile homes.

The flexibility in loan terms adds another layer of appeal to the financing options provided by these specialists. By offering borrowers the freedom to select the most suitable repayment duration based on their financial circumstances, they ensure that individuals can tailor their loans to fit their specific needs and budget constraints.

This flexibility not only allows borrowers to manage their monthly payments more comfortably but also empowers them to make long-term financial plans with confidence. In an ever-changing economic landscape, having the freedom to choose from a range of loan terms offers peace of mind and adaptability.

For instance, borrowers who prefer a shorter repayment period may opt for a 5-year term, allowing them to pay off their loan more quickly while potentially benefiting from lower overall interest costs. On the other hand, those seeking lower monthly payments or greater financial maneuverability may find a 25-year term more suitable, thus accommodating varying financial goals.



Competitive Mortgage Rates

They offer an average interest rate at a record low of 3.5%.

Flexible Loan Terms

Borrowers have the freedom to select various repayment durations based on their needs.

This means that borrowers have access to favorable interest rates while being afforded the flexibility to choose a loan term that aligns with their individual financial objectives.

By considering these factors, borrowers can confidently approach the process of obtaining a mobile home loan tailored to their unique requirements and financial position.

How They Work with Different Credit Levels

When it comes to getting a mobile home loan, your credit score plays a significant role. But what if you have less than perfect credit? That's where Smart Money Mortgage specialists come in. They understand that not everyone has an impeccable credit history, so they work with clients across different credit levels to provide the right guidance and support.

If you're concerned that your credit score might hold you back from securing a loan, don't worry. Smart Money Mortgage has resources and expertise to help you improve your credit score. They can assist in addressing any credit-related challenges you may have encountered, enabling you to work toward qualifying for the best financing options available.

For example:

"We all go through financial ups and downs. It doesn't mean you should be denied the chance of owning a home. With the right support, we help individuals improve their credit scores and guide them through the process of obtaining a loan that fits their unique financial situation," says one of the lending specialists at Smart Money Mortgage.

Furthermore, Smart Money Mortgage doesn't believe in a one-size-fits-all approach. They understand that each person's financial situation is unique. This is why they offer customized loan solutions based on specific needs and credit profiles. Everyone's circumstances are different, and it's crucial to have access to financing options that align with those unique situations.

Imagine this: You're someone who has gone through some tough financial times but is getting back on track. Smart Money Mortgage takes into account your individual journey and helps tailor a mortgage solution that fits your current financial state. You could end up with a loan program specifically designed to suit your unique needs.

It's clear that working with Smart Money Mortgage means having your financial well-being taken care of, no matter where your credit level currently stands. Their approach involves personalized assistance that focuses on helping you navigate your financial situation while providing access to suitable financing options tailored to your specific needs.

For expert financing tailored to your unique financial situation, look no further than Smart Money Mortgage. Their dedication to providing personalized assistance and access to suitable financing options make them the ideal choice for those seeking mobile home loans in California.

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

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