California Lending
Manufactured Home Loans in California
Affordable manufactured home financing for California families. From the Inland Empire to the Central Valley, we help you find the right chattel loan.
Affordable Homeownership in California
In a state where the median home price is well over $700,000, manufactured homes offer a realistic path to homeownership for California families. Communities across the Inland Empire, Central Valley, and beyond provide quality housing at a fraction of the cost of traditional homes.
MH Services specializes in chattel loans for manufactured homes on leased land throughout California. We understand the state's unique regulatory landscape and work within DFPI and DRE requirements to ensure your loan is handled properly from start to finish.
California borrowers have access to additional lending partners through our network, giving you more options than borrowers in some other states.
California at a Glance
California Department of Financial Protection and Innovation and Department of Real Estate. NMLS #296451.
Multiple Lender Options for California
California borrowers have access to multiple lending partners through our network. More lenders means more options and better chances of approval.
National Lenders
Established manufactured home lenders with competitive purchase and refinance programs.
Credit Unions
Credit union partners with strong manufactured home lending programs and personal service.
CA-Only Partners
Additional lending partners available exclusively to California borrowers through our network.
CA OnlyCalifornia Markets
We finance manufactured homes in communities and parks across California.
Inland Empire
San Bernardino and Riverside counties have some of the largest manufactured home communities in California.
Central Valley
Affordable living in the heart of California, with growing manufactured home communities throughout the Valley.
Sacramento Region
The state capital area offers family and senior manufactured home communities with easy freeway access.
High Desert
Affordable manufactured home living in the Mojave Desert region, popular with commuters and retirees.
San Diego County
Manufactured home communities offer an affordable alternative in one of California's most expensive markets.
Coachella Valley
Desert resort communities popular with retirees and snowbirds, featuring 55+ manufactured home parks.
Chattel Loans for California Homes
Purchase and refinance programs for manufactured homes on leased land throughout California.
Buy a Manufactured Home
- As low as 5% down payment
- Terms up to 25 years
- Single-wide & double-wide
- Soft credit pull to start
- Multiple lender options
Refinance Your Home
- Lower your monthly payment
- Reduce your interest rate
- Cash-out options available
- No prepayment penalties
- Even if turned down elsewhere
An Affordable Path to California Homeownership
With California's traditional housing market out of reach for many families, manufactured homes in community settings offer quality living at a price that makes sense. Chattel loans make this financing possible without needing to buy land.
Minimum down payment to get started
Days from complete file to closing
Lending partners working for you
NMLS #296451 | Licensed by DFPI and DRE | Equal Housing Lender
Resources for California Buyers
Buying a Manufactured Home in California
HCD titles, lot rent trends, and what makes California unique.
Community LivingChoosing a Community
What to look for in a manufactured home park or community.
Community LivingUnderstanding Lot Rent
Typical costs, what's included, and how to budget for community fees.
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.