Manufactured Home Loans

We offer a variety of options for borrowers/owners to purchase a manufactured home or refinance  an existing loan.

A “manufactured home” is any dwelling that is built on a permanent chassis and installed on a permanent foundation system (wheels, axles and towing hitch must be removed). Manufactured homes must meet the federal Manufactured Home Construction and Safety Standards of June 16, 1976 (the HUD Code).

Other factory-built housing (not built on a permanent chassis), such as modular homes, are not considered manufactured housing (MH) and are treated the same as site-built housing, and thus is not subject to the MH guidelines.

For information on our specialty program for mobile homes, single-wides, chattel, and pre-Hud manufactured homes CLICK HERE.

Property Eligibility:

  • Meet the model manufactured home installation standards (built after June 16, 1976)
  • Must carry a one-year manufacturer’s warranty if the unit is new
  • Be installed on a home site that meets established local standards for site suitability and has adequate water supply and sewage disposal facilities available
  • Home must be de-titled and taxed as real property
  • Homes must be permanently affixed

Borrower Qualifications:

  • Home must be used as the principal residence of the borrower, or second home (investment properties not allowed)
  • Home must be a multi-wide home, single wide homes are prohibited
  • No maximum acreage limit
  • Appraisal report required
  • Minimum loan amount: $50,000
  • Homes built prior to June 15, 1976 are not eligible

A borrower who meets the program specifications has a variety of loan programs through which to finance their manufactured home loan. Including (see below):

  • Term: 5-, 20-, or 30-years
  • Loan-to-Value: 80% maximum
  • Credit Score: 660 minimum
  • Loan-to-Value: 97% maximum
  • Credit Score: 660 minimum
  • No renovation allowed
  • Loan-to-Value: 96.5% maximum
  • Credit Score: 660 minimum
  • No renovation allowed
  • Loan-to-Value: 105% maximum
  • Credit Score: 680 minimum
  • Term: 25 year maximum
  • Loan-to-Value: 96.5% maximum
  • Loan-to-Value: 65% maximum
  • Credit Score: 680 minimum
  • Term: 20 years
  • Must have owned both the land and home for a minimum of 12 months
  • Investment properties are prohibited
  • Loan-to-Value: 80% maximum
  • Credit Score: 680 minimum
  • Term: 30 years or less (loans less than $80,000 require a term of 20 years or less)
  • Manufactured homes located in a flood zone are not eligible for FHA financing

Apply Now

Submit your loan application today! Track status and make modifications on-the-go. Easy, fast, and secure.

About the Loan Programs

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From our Clients:

“Good explanation of process and forms. Always kept up-to-date during the loan processing.”
Anthony and Kathleen Toscano, Morro Bay
“Communication through telephone and emails was excellent with updates…”
R. David and Helen Cantu, Atascadero
“The speed and ease of communication… always flexible to accommodate our schedule.”
Berkeley and Meghan Lindt, San Luis Obispo
“Our transaction was complex due to various family entities. It was difficult but successful. Great job!”
Donald and Elisa Cameron, Cambria
“This was a painless process and you succeeded where conventional banks failed me.”
Susan Manbeian, Cambria


We will close your home loan on time, on budget, with no surprises. Find out why we call ourselves “The Mortgage Experts.” About CCL
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Central Coast Lending Reach

We offer home loans / mortgages to the Central Coast and the entire state of California, including:

San Luis Obispo County:

Arroyo Grande, Atascadero, Avila Beach, Cambria, Cayucos, Creston, Grover Beach, Los Osos, Morro Bay, Nipomo, Oceano, Paso Robles, Pismo Beach, San Luis Obispo, San Miguel, San Simeon, Santa Margarita, Shandon, Templeton, and surrounding cities.

Santa Barbara County:

Buellton, Carpinteria, Goleta, Guadalupe, Hollister Ranch, Isla Vista, Lompoc, Los Alamos, Los Olivos, Mission Hills, Montecito, Orcutt, Santa Barbara, Santa Maria, Santa Ynez, Solvang, Cayuma, Vandenberg Village, Garey, Summerland,  and surrounding cities.

Kern County:

Bakersfield, Delano, Arvin, California City, McFarland, Ridgecrest, Maricopa, Taft, Oildale, Lamont, Rosamond, Rosedale, Greenfield, Shafter Lost Hills, Wasco, Bear Valley Springs, Boron, Frazier Park, Wofford Heights, Weedpatch, and surrounding cities.

Monterey County:

Carmel, Del Rey Oaks, Gonzales, Greenfield, King City, Marina, Monterey, Pacific Grove, Salinas, Sand City, Seaside, Soledad, Bradley, Castroville, Chualar, Las Lomas, Lockwood, Moss Landing, Elkhorn, San Ardo, San Lucas, Prunedale, Pajaro, and surrounding cities.

Real Estate Reports

Our quarterly reports on the Central Coast real estate market feature data on sales, pricing, foreclosures, and more.