Below is more information about the types of loan products & programs that are offered for manufactured homes in Washington. It’s a good idea to have some of the information listed below before calling in. Every applicant is unique, and having this information handy makes for fast and easy service tailored to your specific needs.
Program(s) you’re interested in (purchase, refinance, debt consolidation)
A brief understanding of your credit history (if available)
If you live in Washington and need financing for your manufactured home you’ve come to the right place. We are your locally owned loan source for mobile homes, manufactured homes and conventional home mortgages. Our Fastand Easy loan process designed to save you time and money.No login required!
In-Park or Leased Land, Private Land Not Owned by the Borrower or Home-Only
- Non-conforming, Lender Portfolio Personal Property Loans
Land and Home (Title eliminated, Non-Title eliminated, Permanent Foundation, Non-Permanent Foundation)
- FHA and VA (Double and Triplewides only on Permanent Engineered/Certified Foundation)
- FNMA (Doublewide and Triplewide only on Permanent Foundation)
- Non-conforming, Lender Portfolio (Doublewide/Triplewide only no foundation/title elimination required)
Pre-qualification fees: No Upfront Application or Credit Bureau Fees to obtain pre-qualification.
Rate Products: We offer Fixed, Variable and Step Rates. Some restrictions may apply based on State.
Interest Rates: Range from 5.0% to 12% depending on overall credit quality, age of home, collateral type, loan amount, loan-to-value and type of interest rate program selected. Your rate will be determined and outlined on your Pre-Qualification letter.
Home Only: Up to 25 years, based on age of home and loan amount and program. Land and Home: Up to 30 Years, based on age of home, loan amount and program.
Home only Purchase: 5% based on excellent credit. 10%-20% down based on good to average credit history. Land and Home Purchase: FHA 3.5% down, FNMA 20% down, Non-Conforming 10% down, all based on credit history and age of home and program selected
Occupancy: Owner occupied only - No rental, Investment, Buy-for Family/Friends or Co-signer programs.
Second or Vacation Homes in resort/recreational locations are acceptable
Minimum Loan Size:
Home Only: $15,000 (singlewide, doublewide and triplewide) Land and Home: $60,000 (Doublewide and Triplewide only)
Age of Home:
Singlewide: 1994 or newer Doublewide and Triplewide: 1976 or newer POST-HUD (exceptions available in CA)
No Prepayment Penalties: Pay-off your loan early, make additional payments or refinance without a penalty.
Bank Repossessions/HUD Foreclosures: We do not offer financing for repossessions or foreclosed properties.
Our professional, informed, and friendly loan specialists are waiting to discuss your financing options. Simply give us a call at (800) 238-9202 or fill out the short form below and we'll be in touch with you right away.
Washington Mobile Home Loans By Financial Services Unlimited is an Equal Housing Lender. NMLS #3242
Our Fast, Easy & Secure online application process is designed to save you time and money. We have no upfront application fees and quick loan processing.
I was a little hesitant at first going on-line, but your company performed flawlessly.
R. Oakes (Los Angeles, CA)
We reduced our rate 2.75%, consolidated $23,000 in debt and lowered our payments by over $500 per month.
D. Mills (Canoga Park, CA)
Your company was very attentive to our situation. I would recommend your services to anyone.