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Manufactured home community at dusk

NMLS 2473327 · DRE 02076780 · California

Mobile home loans in park. In 47 states.

Manufactured and mobile homes, mortgages, BMR, commercial and non-QM — we make finding financing for your next home a breeze. Call us for a 5-minute EZ pre-qualification.

866-288-0003
Chattel · In-Park ITIN BMR REO Non-QM · DSCR Reverse Commercial R.E.
47States for mobile home loans
5% DownManufactured & mobile homes
5 MinEZ pre-qualification call
A–ZWe handle the whole file

Loan Programs

One lender. Every kind of file.

Commercial real estate, mortgage, BMR, ITIN, REO, non-QM and mobile home loans — if a bank told you no, start here.

01

Mobile & Manufactured Homes

New and used homes, in a park or on land. Chattel, property and mortgage financing options.

  • Down payment as low as 5%
  • No land required — in park
  • Permanent or non-permanent foundations
  • Fixed interest rates
02

Home Mortgage

Purchase and refinance for single-family homes, with programs built for buyers other lenders turn away.

  • Reverse mortgage
  • DSCR & non-QM
  • ITIN borrowers
  • REO purchases
03

BMR — Below Market Rate

Your approved lender for California below-market-rate programs, including HouseKeys and the City of Fremont.

  • BMR approval letters
  • Purchase, refinance, capital improvements
  • Help for current BMR homeowners selling
04

Commercial Loans

Commercial real estate financing with a straightforward three-step application package.

  • Commercial application
  • Financial statements
  • Real-estate-owned schedule
05

Insurance

Shop your coverage early so nothing delays your closing. Homeowner, commercial, bond, worker's comp and home warranty.

  • Homeowner insurance
  • Commercial / bond / worker's comp
  • Home warranty
06

Buy, Sell & Relocate

We buy, sell and finance mobile and manufactured homes — and we can take the stress out of moving.

  • Relocation while we prep your old home
  • Repair, clean and stage
  • Handled A to Z

Mobile Home Loans

Financing for homes inside the park.

Most lenders stop at the park gate. We finance new and used manufactured and mobile homes located within a park or community — chattel loans, property financing and mortgage financing, so you get the option that actually fits.

  • Down payment as low as 5% down
  • ITIN loans available
  • Fixed interest rates
  • No land required — in-park financing
  • Permanent or non-permanent foundations
  • New and used homes, 47 states
Apply for a Mobile Home Loan
Family in front of their manufactured home

Ask Us How

Your lenders say no. We say yes.

No credit?Let us show you what is possible.
No down payment?$0 down programs available.
No closing costs?Seller- and lender-paid options.
No cash?Get up to $500 cash at closing.
Mention code: FRIDAY828
Keys handed over a signed loan document

Below Market Rate

Your favorite California BMR lender.

The BMR program is designed to serve low- and moderate-income households, gives preference points to people who live or work in the city, and also helps current BMR homeowners refinance, make capital improvements or sell.

  • Complete steps 1–3 and we issue your approval letter
  • Spanish-language credit application available
  • Opt-out of prescreen first, so you don't get spam calls
  • HouseKeys and City of Fremont program guidance
Start My BMR Approval

For informational purposes: we are the approved lender. We are not affiliated with any housing agency.

Commercial & Investment

Commercial real estate, DSCR and non-QM.

Investor and commercial files get their own lane: a three-part package of application, financial statements and your real-estate-owned schedule, reviewed by someone who actually reads it.

  • Commercial real estate purchase and refinance
  • DSCR and non-QM programs
  • REO acquisitions
  • Reverse mortgage
Discuss My Scenario
Mixed-use commercial and apartment building at dusk

How It Works

Quick and easy online application.

Call for a five-minute EZ pre-qualification, then finish online. We take care of you from A to Z.

1. ApplyComplete the EZ application online — English or Spanish. It takes minutes.
2. UploadSend the documents we ask for, plus the credit-report authorization.
3. Get approvedWe review your options and hand you an approval letter you can shop with.

Common Questions

You probably have questions.

When is the best time to buy or sell? How much house can I afford? It might seem intimidating — our experienced group is here to help.

Can you finance a mobile home that stays in the park?

Yes. In-park financing is our specialty: chattel loans for new and used manufactured and mobile homes located within a park or community, with no land required, on permanent or non-permanent foundations.

How much do I need to put down?

Down payments start as low as 5% on manufactured and mobile homes, and there are $0-down options on some programs. Ask us which one your file fits.

Do you work with ITIN borrowers?

Yes — ITIN loans are available, and we have a Spanish-language credit application (Español crédito) for the whole intake process.

What is a BMR loan?

Below Market Rate programs serve low- and moderate-income households and give preference points to people who live or work in the city. We are an approved BMR lender and can issue the approval letter those programs require.

What do I need to get an approval letter?

Complete the application, upload the requested documents, and authorize the credit report. Most files are ready quickly once those three pieces are in.

Where are you located?

3345 Bixler Road, #1304, Discovery Bay, California 94505. Open Monday through Friday, 9:00am–5:00pm. Call 866-288-0003 or 415-424-2726.

Contact

Let's get you pre-qualified.

Tell us a little about the property and how to reach you. We'll call you back with the loan options that actually fit your file — usually the same business day.

Lender Friday
3345 Bixler Road, #1304
Discovery Bay, California 94505

866-288-0003  |  415-424-2726
[email protected]

Hours: Monday–Friday, 9:00am–5:00pm. Saturday and Sunday closed.

NMLS 2473327  |  DRE 02076780

Equal Housing Opportunity

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