Refinance
Refinance Your Manufactured Home
Lower your payment, reduce your rate, or access equity in your home. Chattel refinance programs for manufactured homes on leased land.
Reasons to Refinance Your Manufactured Home
If you already own a manufactured home and have an existing loan, refinancing could put money back in your pocket every month. Here are the most common reasons our borrowers refinance.
Lower Your Interest Rate
If rates have dropped since you took out your original loan, refinancing could lock in a lower rate and reduce your monthly payment.
Reduce Your Monthly Payment
Extending your loan term or securing a lower rate can bring your monthly payment down to a more comfortable level.
Shorten Your Loan Term
If you can afford a slightly higher payment, a shorter term means you pay off your home faster and save significantly on total interest.
Access Your Home's Equity
If your home has built equity, a cash-out refinance lets you access those funds for home improvements, repairs, or other needs.
Refinance Goal
Lower Monthly Payment
Best when cash flow matters most and you need breathing room in your monthly budget.
- Often achieved with better rate and/or longer term
- Soft pull to see eligibility first
- No obligation to proceed after review
Refinance Goal
Cash-Out or Term Strategy
Best when you are consolidating debt, funding improvements, or trying to reduce lifetime interest.
- Payment and payoff scenarios side by side
- Program matching by home and credit profile
- Support through required lender conditions
Understanding Your Options
How Chattel Refinance Works
A chattel refinance replaces your existing personal property loan on your manufactured home with a new loan — ideally one with better terms. Your home stays right where it is, and the process is straightforward.
Same Home, New Loan
Your manufactured home stays in its community. We simply replace your current loan with one that works better for you.
Personal Property Loan
Like your original loan, the refinance is a chattel loan secured by your home as personal property. No land ownership needed.
Streamlined Process
Because you already own the home, the process is often faster than a purchase. Less paperwork, fewer moving parts.
When Refinancing Makes Sense
Not every situation calls for a refinance. Here are some common scenarios where it can make a real difference.
Your Current Rate Is High
If you financed when rates were higher or your credit was different, today's rates through our lender network may be significantly lower. Even a small rate reduction can save you thousands over the life of your loan.
Your Credit Has Improved
Maybe you've paid down debt, built a stronger payment history, or cleaned up old accounts. Better credit can qualify you for better terms and a lower rate than what you currently have.
You Want a Different Term
Whether you want to shorten your loan to pay it off sooner or extend it to lower your monthly payment, refinancing gives you the flexibility to restructure your repayment schedule.
You Need Cash for Improvements
If your home has equity, a cash-out refinance lets you tap into it. Common uses include home upgrades, repairs, accessibility modifications, or consolidating higher-interest debt.
Refinance Program at a Glance
Our refinance programs are built for manufactured homes on leased land. We work with multiple lending partners to find the right fit for your situation.
Start My RefinanceRefinance Details
Refinance availability depends on your current loan, home value, and credit profile. We'll review your situation and let you know your options — no obligation. Soft credit pull only.
Five Steps to a Better Loan
Refinancing your manufactured home is straightforward. Here's how it works from start to finish.
Apply Online
Tell us about your current loan, your home, and what you are hoping to achieve with a refinance. The application takes about 5 minutes.
~5 minutesSoft Credit Pull
We run a soft credit pull to evaluate your options. Your credit score is not affected. You will hear back from us the same day.
Same-day responseLender Match
We compare programs from our lender network and present you with the option that makes the most sense for your situation — lower rate, lower payment, or cash-out.
1-2 business daysDocument Collection
Upload your documents through your secure borrower portal. We will need your current loan details, income verification, and home information. Your loan officer guides you through it.
At your paceClose & Save
We package your file, submit to the lender, and coordinate your closing. Your new loan pays off the old one, and you start saving right away.
25-30 daysWhat You'll Need
Having these items ready will help your refinance move smoothly. Don't worry if you're missing something — your loan officer will walk you through it.
Current Loan Information
Your existing loan account number, current balance, monthly payment, and interest rate. A recent statement works great.
Home Details
The make, model, year, and serial number (HUD label) of your manufactured home. This is usually on your title or registration.
Income Documentation
Recent pay stubs, tax returns, or proof of Social Security, pension, or other income sources. Your loan officer will specify what is needed.
Park or Community Lease
A copy of your current space lease or rental agreement with your manufactured home community or mobile home park.
Photo ID
A valid government-issued photo ID such as a driver's license or state ID for all borrowers on the loan.
Insurance Information
Your current homeowner's insurance policy details. If you don't have coverage, we can help you find an affordable option.
States We Serve
Licensed and actively lending in three states with strong manufactured home markets.
Refinance FAQs
How do I know if refinancing is worth it?
The best way to find out is to let us run a soft credit pull and compare your current loan terms to what is available today. If we can get you a meaningfully lower rate or payment, we will show you the numbers. If it does not make sense, we will tell you that too — no pressure.
Is there a cost to refinance my manufactured home?
There are typically closing costs associated with a refinance, similar to your original loan. These vary by lender and loan amount. Your loan officer will provide a clear breakdown of all costs before you commit to anything, so there are no surprises.
Can I do a cash-out refinance on my manufactured home?
Yes, if your home has built up equity. A cash-out refinance lets you borrow more than your current balance and receive the difference as cash. This is commonly used for home improvements, repairs, or consolidating other debt. Availability depends on your home's value and your lender program.
Will refinancing affect my credit score?
Our initial evaluation uses a soft credit pull, which does not impact your score at all. If you decide to move forward, the lender will run a hard inquiry as part of the formal application. Your loan officer will explain this before it happens.
How long does a refinance take?
Most refinances close in 25 to 30 days from complete file. Because you already own the home, the process is often a bit simpler than a purchase. The biggest variable is how quickly we can gather your documents and meet any lender conditions.
Helpful Refinance Resources
Explore our guides to learn more about refinancing your manufactured home.
How to Refinance Your Home
A step-by-step guide to refinancing your manufactured home loan.
Financing BasicsWhat Is a Chattel Loan?
Understand the loan type that powers manufactured home refinancing.
Credit & QualificationCredit Score Requirements
What credit scores lenders look for when refinancing a manufactured home.
HomeownershipInsurance Guide
What you need to know about insurance requirements for your refinance.
Industry BasicsLeased vs Owned Land
How your land situation affects your refinancing options and loan type.
Community LivingUnderstanding Lot Rent
How lot rent works and what to budget for in your community.
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.