Since 1994. 25,000+ Families. One New Standard.
Certainty starts here.
Mobile home loans and manufactured home financing for homes in parks, communities, and leased-land neighborhoods. Start online with a soft credit check and a team that treats your closing like it's their own.
Soft credit pull only. Checking your options will never affect your credit score.
Numbers That Drive Certainty
Experience that gets you home.
We didn't just join the industry — we defined it. With over three decades of mastery and 25,000+ success stories, we've engineered a financing powerhouse built for one thing: your move.
Three decades navigating the complexities most lenders overlook.
A legacy of trust, built one front door at a time.
Start your story with a minimal upfront investment.
Flexible loan structures designed to fit your monthly lifestyle.
Expertise where it matters most.
At MH Services, we don't just offer loans; we've revolutionized the manufactured home journey. While others treat these homes like an afterthought, they are our only thought. Every system we've built, every process we've engineered, and every specialist on our team is dedicated to one mission: Getting you home.
The Power to Move Fast
Soft Credit Check
Explore your options with zero risk.
We lead with a soft pull—always—so you can shop with confidence without hurting your score.
As Low as 5% Down
Your dream home is closer than you think.
Our low-down-payment options are designed to get your family through the front door sooner.
Close in 25–30 Days
Move at the speed of life.
From application to keys, we’ve stripped away the red tape to outpace traditional lenders.
24/7 Borrower Portal
Total control, right in your pocket.
Track your status, upload docs, and message your elite support team any time, day or night.
Why settle for a generalist when you can have a Specialist?
Traditional banks get tripped up by the details. We thrive in them. Whether it's navigating California HCD escrow or securing the perfect insurance quote, we handle the complexity so you can focus on the memories.
One elite team. Zero friction.
We believe financing your manufactured home should be simple — not stressful. Whether you're buying your first home or refinancing, we're here to guide you every step of the way.
Why juggle three different companies when you can have one powerhouse team handling it all? We've engineered a One-Stop Shop for escrow, insurance, and financing — all designed to move at the speed of your life.
Expert Escrow
Master the complexity.
We handle the HCD title transfers, tax clearances, and park coordination so you don't have to.
Instant Insurance
Coverage in minutes.
Secure a policy that meets every lender requirement, quoted instantly across three states.
Fast-Track Financing
Move with certainty.
Secure a chattel loan with as little as 5% down, a 25–30 day close, and a soft credit pull that protects your score.
Our Guarantee
One Team. One Timeline. One Goal.
From click to keys.
Engineered for speed. Built for certainty. We've stripped away the red tape — from your first tap to your final signature.
Start Your Story
Fuel your future in under 5 minutes.
Complete a lightning-fast application from your phone. Share the basics — your info, your property goals, and your income — and let our tech handle the rest.
Discover Your Match
Instant power. Zero risk.
We execute a secure soft credit check to unlock the elite lender programs for your profile. Your credit score stays 100% protected while we find your perfect fit.
Seal the Deal
The finish line is closer than you think.
Upload documents through our secure 24/7 portal while our specialized team handles the heavy lifting. Closing that moves at the speed of your life.
30 years of expertise. Digital-first precision. Three steps to your front door.
Our Loan Programs
Two programs. One mission.
Specialized chattel financing for manufactured homes in communities and parks. No land required.
Own Your Home.
The fastest way through the front door.
We match you with the elite lender for your specific situation — financing built specifically for chattel homes.
- As little as 5% down
- Terms up to 25 years
- Close in 25–30 days
Own Your Future.
Put your home to work for you.
We make refinancing your manufactured home effortless — even if your current lender said "no."
- Lower your monthly payment
- Secure a better rate
- Cash-out options available
Built for manufactured homes in parks.
Most banks still try to fit manufactured homes into mortgage rules that do not match leased-land communities. MH Services was built around the way this industry actually works.
Mobile Home Park Financing
Financing for homes in mobile home parks, manufactured home communities, senior parks, and leased-lot communities.
Explore park financingChattel Loans
Personal-property loans for manufactured homes when you own the home but lease the land underneath it.
Understand chattel loansPurchase or Refinance
Start with a soft credit check, compare lender options, and move toward closing with a specialist who knows park homes.
See loan programsHomes We Finance.
Real homes for real families. Across AZ, CA, and TX.
From single-wides in family parks to brand-new double-wides — we finance the manufactured homes that real families live in. While other lenders overlook community living, we've built our entire engine to power it.
Whether it's New Construction, Pre-Owned, or a Park Community, we have the specialized programs to match.
Modern Double-Wide
Spacious. Modern. Finished.
Experience 1,200–2,400 sq. ft. of comfortable living space featuring open floor plans and high-end finishes.
Classic Single-Wide
Affordable. Efficient. Attainable.
The perfect launchpad for first-time buyers or downsizers seeking quality community living.
Community Parks
Neighbors who become friends.
We specialize in family-friendly parks featuring pools, clubhouses, and playgrounds.
Upgraded Living
Rivaling site-built quality.
Today's manufactured homes offer covered patios, carports, and professional landscaping that redefine the standard.
The Chattel Advantage
Own the home. Skip the land.
Financing engineered for modern community living.
A chattel loan is your fast-pass to homeownership. Unlike traditional mortgages that tie you to a specific piece of land, a chattel loan finances your home as personal property — the home you love without the requirement of land ownership.
Community Ready
The perfect solution for homes in leased-lot communities and professional mobile home parks.
Maximum Flexibility
Focus your investment on the structure you live in, not the ground beneath it.
Streamlined Certainty
Designed for manufactured homes, cutting out the red tape of traditional real estate.
Certainty in every classification.
Whether you're moving into a luxury community or a quiet park, we provide the specialized financing that traditional banks overlook.
Explore My OptionsFinancing reimagined. Certainty delivered.
We believe financing your manufactured home should be simple — not stressful. Whether you're buying your first home or optimizing your current one through refinancing, we've engineered a journey that replaces confusion with clarity. At MH Services, we don't just process applications; we guide you through every milestone with the expertise that only 30 years of specialization can provide.
Guaranteed Simplicity
We've stripped away the red tape to create a streamlined, stress-free experience.
Guidance at Every Step
From your first click to the moment you get your keys, our elite team is in your corner.
Built for You
Whether it's your first front door or a strategic refinance, our mission is to get you home faster.
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.