Arizona Mobile Home Loans
& Manufactured Home Financing
Arizona has one of the most active manufactured-housing markets in the country — from 55+ communities in the Phoenix metro to family parks in Tucson and rural properties across the high desert. The Mobile Home Guy focuses exclusively on manufactured and mobile home financing, and Sandy Hawkshaw helps Arizona buyers navigate loans for homes in communities, on leased land, and on private property. Whether you are looking at a snowbird retreat in Mesa or a year-round home outside Prescott, Sandy will walk you through the financing options that fit — no pressure, no jargon.
2,000+
Loans Funded
20+
Years Experience
24hr
Pre-Approval
Why Arizona Buyers Choose Sandy
Manufactured Home Financing, Done Right
Mobile Home Specialists
Manufactured & mobile home financing is all we do — not a side product.
Low Down Payments
Arizona programs with down payments as low as 5%, some with zero down.
Fast Pre-Approvals
Get pre-approved in as little as 24 hours so you can shop with confidence.
Competitive Rates
Access to multiple lenders means the right program at the right rate for you.
Mobile Home Financing in Arizona
Financing a manufactured or mobile home in Arizona is typically a different process than getting a mortgage for a site-built house. The right loan depends on the property type, whether the home is in a park or on land you own, how the home is titled, the age and condition of the unit, where it is located, and which financing programs are available for that property.
Arizona has a large number of manufactured-home communities — including many age-restricted 55+ parks — as well as homes on leased land and manufactured homes on privately owned property. Sandy Hawkshaw works with buyers across all of these situations.
The goal is to help you understand your financing options before you make an offer, so you can shop with a clear picture of what may be available and avoid surprises once you find the right home.
Financing Mobile Homes in Arizona Parks
A large share of Arizona’s manufactured homes are located inside mobile-home parks and manufactured-home communities, where the buyer owns the home but leases the space beneath it. This is especially common in the Phoenix and Tucson metros.
Because the land is not part of the purchase, these transactions generally require financing designed for manufactured housing rather than a conventional real-estate mortgage.
Sandy helps Arizona buyers explore financing for eligible manufactured homes in parks and communities across the state. Learn more about financing mobile homes in parks and the programs that may apply.
Arizona Chattel Loans for Manufactured Homes
A chattel loan is financing secured by the manufactured home itself — used when the home is financed separately from the land beneath it.
In Arizona, this type of financing is frequently used for homes in parks and leased-land communities, where the buyer owns the structure but not the lot.
Because the right financing depends on the property and the program, it helps to review your specific scenario with a manufactured-home specialist.
Sandy focuses on manufactured-home financing and can help Arizona buyers understand whether a chattel loan or another option is the right fit. Explore our chattel loan programs to learn more.
Manufactured Homes on Private Land in Arizona
Manufactured homes on privately owned land can have different financing options than homes inside parks.
The loan structure may depend on how the home is titled, whether the land is part of the transaction, how the home was installed, the characteristics of the property, and the requirements of the financing program.
Sandy can review your property and financing scenario to help determine which options may apply. Not every home qualifies — the property should be reviewed before assuming eligibility.
Arizona Mobile Home Purchase Loans
If you are preparing to buy a manufactured home in Arizona, getting financing information early can help you understand your budget and avoid surprises once you find the right property.
Sandy works with buyers purchasing in parks, leased-land communities, 55+ communities, and other eligible manufactured-housing situations. Start your mobile home loan application to get pre-qualified.
Arizona Mobile Home Refinance Options
Manufactured-home owners in Arizona may have refinance options depending on the home, property, current financing, equity, and available loan programs.
If you own a mobile or manufactured home and are considering refinancing, Sandy can review your situation and help identify which options may be available. Talk with a manufactured home loan specialist to explore your refinance scenario.
Single-Wide, Double-Wide & Manufactured Home Financing
Manufactured homes come in a variety of configurations, including single-wide, double-wide, and larger multi-section homes.
Whether a particular home qualifies for financing can depend on the age, condition, installation, location, title status, property type, and the requirements of the specific financing program.
Rather than assuming a home will or will not qualify, reach out to Sandy with the property details so the scenario can be reviewed.
How Arizona Mobile Home Financing Works
Get Pre-Qualified
Tell Sandy about your financing goals, the type of manufactured home you are considering, and whether the home is in a park or on private land.
Review the Property
Once you identify a home, we review the property information and determine which financing options may be available.
Complete the Loan Process
Our team helps guide the financing process and works with the parties involved to collect the information required for the loan.
Complete Your Purchase
Once the loan requirements are satisfied and the transaction is ready to close, you can complete the purchase of your manufactured home.
Mobile Home Financing Throughout Arizona
The Mobile Home Guy works with manufactured-home buyers throughout Arizona. We help customers explore mobile and manufactured home financing in communities across the state, including:
and surrounding Arizona communities.
Arizona Manufactured Home Financing Specialists
Licensed Mortgage Professionals
Preferred Mortgage, LLC, DBA The Mobile Home Guy — NMLS #2475985.
Manufactured-Home Focus
Mobile and manufactured home financing is our specialty — not a side product.
Licensed in Arizona
Our team is licensed to serve Arizona manufactured-home buyers.
Statewide Service
Helping buyers across Arizona explore manufactured-home financing options.
Get Started in Minutes
Your Path to a Arizona Mobile Home
Four simple steps stand between you and the keys to your new home. It starts here.
Submit Your Info
Fill out the 2-minute form below — no credit pull, no commitment.
Sandy Reviews & Calls
Sandy personally reviews your situation and calls you to discuss options.
Get Pre-Approved
Receive your pre-approval letter and start shopping Arizona mobile homes.
Close & Move In
We handle the loan from application to closing day. You get the keys.
Get Pre-Approved
Complete your application in just a few minutes.
Your Arizona Specialist
Sandy Hawkshaw
Mobile Home Specialist
Sandy has helped hundreds of Arizona families finance their mobile and manufactured homes. As a specialist who focuses exclusively on manufactured housing, Sandy knows the Arizona market, the parks, the lenders, and the programs that get deals closed — fast.