California Mobile Home Refinancing

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

Mobile Home Refinance in California

There is so much to know when looking for Mobile Home Refinancing in California, that you are well-served to contact us to draw upon our 53 combined years of industry knowledge. Call us toll-free to get pre-approved on your Mobile Home Refinance today: (800) 882-1999

Mobile Home Refinancing is used to finance a mobile home only, without financing the land into the loan. Usually, a family with Mobile Home Refinancing pays spacerent on their plot of land. The price of spacerent depends on the mobile home park, and they vary quite a bit. We are Mobile Home Refinancing specialist, and we work exclusively with mobile homes. This means that we know the specifics about manufactured home transactions, which translates to a smooth transaction every time. Many realtors and mortgage brokers take on manufactured home deals to make a little money, and their inexperience in the mobile home market makes all involved in the transaction work much harder. Inexperienced mortgage brokers have even cost their customers hundreds of dollars in needless appraisals. We know the mobile home market intimately, and we can get you the best rate on your Mobile Home Refinance.

California Mobile Home Loan Resources

A Chattel Mortgage in California is a home-only loan, so there is no loand involved in the purchase transaction. On the other hand, Manufactured Home Loans are just like a Mobile Home Mortgage in that they do include the land in the purchase. Mobile Home Loans can be refinanced just like a site-built home, but Mobile Home Refinancing is a much different process than for a site-built California mortgage, so it is wise to work with a mobile home specialist.

Mobile Home Refinance Resources:

Wikipedia - The purchaser borrows funds for the purchase of movable personal property (the chattel) from the lender. The lender then secures the loan with a mortgage over the chattel.

California Manufactured Housing Institute - a non-profit professional and trade association representing builders of factory constructed homes, retailers, financial services, developers and community owners and their supplier companies.

Manufactured Housing Institute - MHI is the national trade organization representing all segments of the factory-built housing industry. MHI serves its membership by providing industry research, promotion, education and government relations programs, and by building and facilitating consensus within the industry.

Office of Manufactured Housing Programs - A national HUD program established to protect the health and safety of the owners of manufactured homes through the enforcement of the federal manufactured home construction and safety standards and administration of dispute resolution.

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