Business Details
22 Years
experience
Your Trusted Mortgage Broker in California
We are a premier California mortgage lender specializing in manufactured home loans and reverse mortgages. Since 2004, we have provided tailored financing solutions for diverse client needs, offering conventional, government, and private investor loan programs. Our expertise includes financing for homes built before 1976, space rent parks, and properties without permanent foundations. As a mortgage broker, we match clients with over 30 loan products, including FHA, VA, USDA, and HECM programs. Our team prioritizes hands-on service, competitive rates, and transparent communication throughout the lending process.We specialize in converting manufactured/mobile home financing challenges into accessible homeownership opportunities. Our reverse mortgage services since 2006 have helped seniors access home equity without monthly payments. We maintain California Department of Real Estate license #01408373 and NMLS ID 329381 for regulatory compliance. Client testimonials highlight our ability to work with credit challenges and provide personalized guidance.
Services
Manufactured Home Loans
Mobile Home Loans
Reverse Mortgages
VA Home Loans
Conventional Financing
FHA Loans
USDA Loans
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of specialized experience in manufactured home financing
- We provide access to 30+ loan programs including niche options for unique properties
- Our team holds active California Department of Real Estate licensing
- We pioneered financing for pre-1976 manufactured homes in space rent parks
- Our reverse mortgage specialists have served California seniors since 2006
Associations and certifications
- California Department of Real Estate
- NMLS (Nationwide Multistate Licensing System)
What people say
Very easy
Competitive interest rate
Face to face
Worked credit problems
No mortgage payments
Services
Manufactured Home Loans
We specialize in financing for manufactured homes built after 1976, including space rent park properties. Our programs offer 30-year terms, competitive rates, and options for low down payments. Clients can access conventional, FHA, VA, and USDA loan products tailored to manufactured housing requirements.
Reverse Mortgages
Our Home Equity Conversion Mortgages allow seniors aged 62+ to access home equity without monthly payments. These federally insured loans enable debt consolidation, home purchase, or emergency fund creation while maintaining property tax and insurance responsibilities.
VA Home Loans
We facilitate 100% financing VA loans for eligible veterans, including purchase and refinance options. Our services accommodate prior VA loan users and allow seller-paid closing costs, with specialized programs for manufactured home purchases.
Mobile Home Financing
We provide loans for mobile homes requiring permanent foundation installation. Our programs transform personal property into real estate through foundation upgrades, enabling financing for properties previously considered unfinanceable under standard guidelines.
Government Loan Programs
We offer multiple government-backed loan options including FHA's 3.5% down program, USDA rural development loans, and VA benefits. These programs feature flexible credit requirements and competitive rates for qualified applicants seeking various property types.
Questions
Do you offer loans for older manufactured homes?
Yes, we specialize in financing for manufactured homes built before June 15, 1976, including properties in space rent parks without permanent foundations.
Can I get a mortgage with credit challenges?
Our government loan programs and private investor options accommodate various credit situations while maintaining competitive interest rates for qualified borrowers.
What reverse mortgage options exist for seniors?
We offer HECM loans allowing seniors aged 62+ to access home equity without monthly payments, with proceeds usable for debt consolidation, home purchase, or emergency funds.
Are VA loans available for manufactured homes?
Yes, we facilitate VA loans for manufactured home purchases with 100% financing options and seller-paid closing cost allowances as permitted by VA guidelines.
How does mobile home financing work?
We require permanent foundation installation to convert mobile homes to real property status, enabling standard mortgage financing through our specialized loan programs.
What documentation is needed for loan approval?
We require standard mortgage documentation including income verification, credit history, and property details, with specific requirements varying by loan program type.
