California Chattel Mortgage

Mobile home finance in California is a very specific type of loan. If you are trying to secure a loan for a chattel mortgage or purchasing a home as personal property, we are experts on the laws and paperwork involved with Chattel Mortgage.

Chattel Mortgage in California

There is so much to know when looking for a Chattel Mortgage in California, that you are well-served to contact us to draw upon our 53 combined years of industry knowledge. To get started on your Application, Please call us toll-free: (800) 882-1999

Finding the right lending options for a manufactured home loan in California depends on several factors. First, there is your financial history. If you have a bankruptcy within the past five years, then there are very few lenders that will offer you financing, and your best option is to rebuild your credit. If your credit score is above 700, then it will be much easier to get a Chattel Mortgage, but you may still get a loan with a lower credit score. The down payment and your debt ratio are also very important factors.

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.

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.

What is the difference between a Manufactured Home and a Modular Home?
Modular homes are assembled in smaller factory-built pieces, which makes them much more customized. Modular Homes are similar to Site Built Homes in appearance, and often stand alone anchored into a foundation. The pieces of a Modular Home are built in a factory around a floor plan designed by the future homeowner. Manufactured homes are customizable also, but in a different way. Rooms and floor plans can be customized in a Manufactured Home, but they are within a single or double wide pre-manufactured design. Manufactured Homes are usually in Parks, and aren't anchored into property.

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