Homes in Parks
Mobile Home Park Financing
Financing for manufactured and mobile homes in parks, communities, and leased-lot neighborhoods. You own the home. You lease the land. We know how to finance that.
Buying in a park is different from buying land.
When a manufactured home sits in a mobile home park or manufactured home community, the home is usually financed as personal property. That means a standard mortgage is often the wrong tool.
MH Services specializes in chattel loans for this exact situation: homes in parks, communities, co-ops, and leased-lot neighborhoods where the borrower owns the home but not the land underneath.
You do not need to explain your transaction to a bank that treats manufactured homes as an exception. This is the center of our business.
Park homes we can review
Every lender has property and community requirements, but these are the common scenarios our team reviews every day.
A park-home process built for speed.
From first click to lender submission, the workflow is designed around the details that matter for leased-land manufactured homes.
Tell us about the home and park
We look at the home, community, lot rent, state, and whether you are buying or refinancing.
Start with a soft credit check
You can see what programs may fit without affecting your credit score.
Match with the right lender
We compare available chattel loan options from lending partners that understand park homes.
Upload documents securely
Your loan officer explains exactly what is needed and keeps the process moving.
Close on your manufactured home
Most complete files close in about 25 to 30 days, depending on lender and property requirements.
This is not a side product for us.
Manufactured home financing in parks has been our lane since 1994. We understand community approvals, lot rent, HCD/title details, lender overlays, and the questions borrowers actually have before they apply.
NMLS #296451 | Equal Housing Lender | AZ, CA, TX
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.