Home Only Loans
Home Only (or chattel) manufactured and mobile home loans are a specialty product where the real estate is not offered as collateral. The homes can be located in manufactured home parks or sited on private property. 

Purchase Loans are available for as little as 5% down payment. We offer loans for both new and used homes (1970 and newer). 

Refinance loans can lower the interest rate, monthly payments and/or change loan terms. Cash-out and debt consolidation loans are available too.

All our home only loan products are fixed rate loans with terms up to 30-years. There are no prepayment penalties and generally all loan closing costs can be included in the loan.

We currently offer the following Home Only loans:

• Standard In-Park 
• Private Property           
• Pre-Hud (built 1970 - June, 1976)     
• Secondary/Vacation   
• Cal-Vet         
• Rate/Term Refinance
• Cash-Out Refinance
  
  

Real Estate Loans
The manufactured home and land are used as collateral with our Real Estate loans.

Most mortgage brokers and lenders look at manufactured homes as a "secondary product" not fully understanding the complexity of manufactured home lending. This is our only business!

MHM offers more manufactured home real property loan products than any other California lender. 

We currently offer the following Real Estate loans:

• Construction/Permanent (one-time close)
• Construction Only 
• Permanent/Take-Out (Conforming) 
• Permanent/Take-Out (Sub Prime) 
• Reverse Mortgage 
• FHA 
• Cal-Vet 
• VA
• Rate/Term Refinance 
• Cash-Out Refinance