Financing Manufactured Homes

Since 1988

Experience Matters

Established in 1988, we sought to create parity between manufactured lending with that of traditional site-built lending. Our founder and president, a nationally renowned manufactured home finance expert and a lifelong proponent of the manufactured housing industry, was compelled to serve this emerging market of homebuyers.

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Present day, we regularly participate with local, state and national industry associations dealing with manufactured home lending issues and guidelines. Our president currently sits on Fannie Mae’s Manufactured Housing Duty to Serve (DTS) Advisory Council. We have assembled a team of dedicated manufactured home finance experts whose sole focus is on manufactured home finance. This team of professionals average over 20 years of industry experience and are committed to serving the unique and ever-evolving manufactured home market. Click below to learn more about how we can help you with your manufactured home finance needs.

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We provide diverse funding options, an expert staff, and unparalleled customer service. Leaders in manufactured home finance, we offer services to those who are looking to finance their home and land simultaneously, or those looking to put a home on pre-owned land. Our line of products provide customers with the flexibility they need to achieve their dream of homeownership. We offer down payment assistance, industry leading credit flexibility, competitive rates, and co-signer and non-owner-occupied loan options.
    • • FHA 30-year fixed
    • • Conventional 30-year fixed


  • • VA 30-year fixed
  • • Manufactured; Construction to Perm
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Manufactured Housing Finance Explained

Manufactured homes, commonly mischaracterized as mobile homes, are homes pre-built in factories and transported to a leased or buyerowned lot. These homes are a critical source of affordable housing across the nation. The laws and regulations surrounding manufactured housing finance differ from those of traditional site-built financing. The difference centers around whether prospective buyers own or rent the land used with the home. Prospective buyers who own the land meet the requirements to apply for a conventional loan product. Conversely, prospective buyers who rent the land must use a chattel home loan, also known as a personal property loan. Click below to view a full list of our finance options or call today and speak with one of our dedicated manufactured home finance experts.

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Don’t Just Take Our Word for It

"I like the reverse mortgage because I can put money into my line of credit and it grows for me tax-free. I like the fact that I don’t have to make monthly payments, unless I want to."


Fresno, CA

"Our community-focused lending model is the key to our success. When a mortgage banker focuses on community relationships, borrowers make informed, smart decisions leading to sustainable community growth."

Angela Warren

VP of Business Development and Realtor Relations

"I’d like to thank you once again for the excellent way in which you helped me achieve my financial goals by making my reverse mortgage a reality. Your keen understanding of the products available, a most thorough knowledge of the reverse mortgage process, along with your easygoing nature made taking all the necessary steps a pleasure rather than an ordeal."

Tim M

San Diego, CA

"At Land Home, individuals are empowered to use their knowledge base and apply it where there is a need. Your job title isn't a limitation, it is an opportunity. Proactive, entrepreneurial attitudes are encouraged and rewarded. This is a corporation where you don't feel lost in the crowd, you feel like you have a voice and it matters."

Ryan Smith

Director of Communications

"I was extremely impressed with the level of customer service, attentiveness, timeliness and accuracy. I proceeded to do two additional home refi’s through Land Home Financial, and I must say, I was not disappointed! I am very happy with Land Home Financial, and wouldn’t hesitate to recommend them to a friend or family member!"



"Working for Land Home has been a life changing experience in that I have met many of my dear friends in between these walls. I love helping people, especially doing the little things that make their lives a little easier – on a daily basis. Life would not be the same without Land Home in it - I can’t even imagine it! Land Home is a huge part of my life and I am proud and grateful to be a part of the Land Home family with all my Land Homies."

Kathy Debiasi

Executive Assistant

"Land Home is a place I feel at home. I find pleasure in going to work and that is something I cherish. My time with Land Home has taught me the power of collaboration and management is to thank for that. Land Home is structured at its roots like a family – constant interaction, constructive feedback always with a welcoming/approving spirit. At Land Home, you are unchained from the shackles of the concept of work leaving you feeling like you are providing a valuable service to people who really care about you."

Mauricio Duran

IT Analyst

"I really enjoy working for Land Home for the professionalism in the environment. I’m not treated as a number, but as a part of the company. Each day at Land Home has proven to be a learning opportunity. I truly like the involvement of the owners, I appreciate that recognition is given when it’s deserved and help offered when needed. I enjoy all people that I work with and I feel empowered to make a difference."

Sara Faraji

Underwriting Trainer

In today’s lending environment, it is a good competitive advantage to offer products that few other lenders offer. Land Home Financial has provided me the opportunity to advance my career in the mortgage industry and become well-known name in the niche market of manufactured home lending.

Richmond Chester

Loan Officer

Riley is amazing! The seller wanted to close in 21 days and Riley closed the deal so quickly that the seller's realtor was in total shock. We had several twists and turns in our mortgage process, but Riley was always available and responded to calls and emails swiftly. He is incredibly positive throughout the process, even when things get tough. Simply put: Riley is an ALL STAR!

Fred S.


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