We know Manufactured Home Financing!

Manufactured Home Loan Finance is our specialty, we are a mortgage banker which means we have our own money to lend, so we can fund our own loans. This cuts out the middleman and brings the savings home to you. Because our competitors are only loan brokers, their financing and refinancing options the can offer you are very limited. We simply offer the lowest rates and fees for financing around!

Our loan programs are made to finance chattel mortgages or home and land purchases. A chattel mortgage is when the land is not a factor in financing, the financing is only for the mobile home. Home and land purchases are different than a chattel mortgage, and we handle them accordingly. To learn about how we can finance a manufactured home loan in your state, call us today.

SDMTG can finance your manufactured home loan, or we can refinance your current mobile home loan. We only finance mobile homes and manufactured homes, they are 100% our focus. If your goal is to refinance your manufactured home to lower your interest rate, or shorten your term, then we can help. Apply today to finance your loan at the lowest rates in the nation. We can finance and refinance your manufactured home loan with the best rates and terms around.

Apply Online or Call Toll Free (800) 882-1999

Common Questions about Manufactured Home Finance

How does my Credit Score effect getting a Mobile Home Loan?
When looking for financing for a Mobile Home Loan, it is a good idea to know your credit score. When you complete your free Manufactured Home Loan Application we will pull credit report. Lenders require your credit score to meet a certain mark, but it helps greatly if your score is above 700. However, If your score is below 700, we will work with you to research your financing options, or to build your credit.

If I have a Bankruptcy can I finance a Mobile Home Loan?
Around the turn of the year, it was possible to get financing for a mobile home with a bankruptcy over two years old, and a good rebuilding effort. But now, with the financial industry in a distressed state, they are generally unwilling to lend to anyone with a bankruptcy within 4-5 years.

What is the difference between a Manufactured Home and a Mobile Home?
Mobile Homes were built before 1976 before HUD code construction and safety standards. A Manufactured Home is a home built after 1976, with the Federal standards applied to the construction. From the perspective of finance, manufactured homes are easier to finance because they were built to federal standards, and the lender sees the manufactured home as a lower risk.

What is the difference between a Manufactured Home and a Site Built Home?
A Manufactured home is entirely built in a factory, and transported to the site to be assembled. A Site Built Home is constructed on site, using traditional building methods.

Is Financing Offered on homes that were built prior to June of 1976?
Many homeowners are under the assumption that financing is not available for their home, if it was built prior to June of 1976. This is a common misconception. We absolutely offer competitive financing for homes built prior to this date.

How do I know I am getting the best rate on my Mobile Home Financing?
If you are looking for more information on different ways to finance a manufactured home loan and how to deal with the application process, please browse our website, or give us a call. We are happy to help, especially if you seek seasoned and honest advise from a mobile home loan finance and refinance expert.

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