California has one of the largest manufactured-housing markets in the country — from 55+ communities in Southern California to park communities in the Central Valley and manufactured homes on private land across the state. The Mobile Home Guy focuses exclusively on manufactured and mobile home financing, and our team helps California buyers explore loans for homes in communities, on leased land, and on private property. Whether you are looking at a home in a Sacramento park, a property in the Inland Empire, or a manufactured home on private land in Northern California, we will walk you through the financing options that fit.
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Why California Buyers Choose The Mobile Home Guy
Manufactured & mobile home financing is all we do — not a side product.
California programs with down payments as low as 5%, some with zero down.
Get pre-approved in as little as 24 hours so you can shop with confidence.
Access to multiple lenders means the right program at the right rate for you.
Financing a manufactured or mobile home in California 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.
California 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. Our team 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.
A large share of California'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 common in Southern California, the Central Valley, and the San Francisco Bay Area.
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.
Our team helps California 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.
A chattel loan is financing secured by the manufactured home itself — used when the home is financed separately from the land beneath it.
In California, 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.
Our team focuses on manufactured-home financing and can help California buyers understand whether a chattel loan or another option is the right fit. Explore our chattel loan programs to learn more.
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.
Our team 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.
If you are preparing to buy a manufactured home in California, getting financing information early can help you understand your budget and avoid surprises once you find the right property.
Our team 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.
Manufactured-home owners in California 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, our team can review your situation and help identify which options may be available. Talk with a manufactured home loan specialist to explore your refinance scenario.
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 our team with the property details so the scenario can be reviewed.
Tell us about your financing goals, the type of manufactured home you are considering, and whether the home is in a park or on private land.
Once you identify a home, we review the property information and determine which financing options may be available.
Our team helps guide the financing process and works with the parties involved to collect the information required for the loan.
Once the loan requirements are satisfied and the transaction is ready to close, you can complete the purchase of your manufactured home.
The Mobile Home Guy works with manufactured-home buyers throughout California. We help customers explore mobile and manufactured home financing in communities across the state, including:
and surrounding California communities.
Preferred Mortgage, LLC, DBA The Mobile Home Guy — NMLS #2475985.
Mobile and manufactured home financing is our specialty — not a side product.
Our team is licensed to serve California manufactured-home buyers.
Helping buyers across California explore manufactured-home financing options.
Get Started in Minutes
Four simple steps stand between you and the keys to your new home. It starts here.
Fill out the 2-minute form below — no credit pull, no commitment.
Our team personally reviews your situation and calls you to discuss options.
Receive your pre-approval letter and start shopping California mobile homes.
We handle the loan from application to closing day. You get the keys.
Information about manufactured home financing in California is being prepared. Please check back soon or contact us to learn more.
Your California Specialist
Mobile Home Specialist
Our team has helped hundreds of families finance their mobile and manufactured homes. As specialists who focus exclusively on manufactured housing, we know the California market, the parks, the lenders, and the programs that get deals closed — fast.