Mobile Home Loans for Home Improvements, Debt Consolidation, or to Cash Out

There are a lot of reasons you, as a mobile home owner, might want to turn some of the equity you have in your home into cash. Home improvements and debt consolidation are two of the most popular reasons. And we’re here to help.

To help you get started, we have several different loan packages depending on the year your home was built and your Fico credit score.

Program I
Home Built:	1990 or newer
Fico Score:	750 minimum
70% ltv	unlimited cash out
Based on today’s values

Program II
Home Built:	1990 or newer
Fico Score:	700 minimum
70% ltv	unlimited cash out
Based on today’s values

Program III
Home Built:	1977 - 1989
Fico Score:	675 minimum
70% ltv	unlimited cash out
Based on today’s values

Program IV
Home Built:	1970 - 1976
Fico Score:	650 minimum
60% ltv	unlimited cash out
Based on today’s values

Loan terms vary between 10 to 25 years depending upon amount financed and qualifications.

Mobile/manufactured home loans with real estate are subject to escrow and title costs. All approved loans are subject to a loan fee, Department of Housing transfer fee, and processing fee. There is no appraisal fee in most cases. No up front costs are charged to potential borrowers at the time your application is being processed. Loan costs are only charged when your loan has closed.

 

Getting Started

To start the application process, feel free to give us a call or stop by our Fig Garden Village branch in Fresno. We'd be happy to help you in person, answer any questions and discuss current interest rates.

Or you can print the Mobile Home Application form using the link below. The form is an Adobe Acrobat document that will open on your computer. To print the form, after it opens click on "File" and select "Print" option from the menu. Then you can fill out the form and fax or mail it to us. However you choose to get started, we look forward to hearing from you!

Mobile Home Application

All loans must be supported by tax returns and verification of income. We do not offer "No Doc" loans.