How many years of payments can be as long as 25 years. Of course, the shorter the term, the higher the payment. Interest rates can be fixed or adjustable, and payments can include taxes and insurance (generally at your option).

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CA Mobile Home Loans

Fixed Rate Program

A fixed-rate program has an interest rate that does not adjust but remains fixed for the life of the loan. In addition, the principal and interest payment does not change. At the end of the loan term, the balance is paid to zero.

Hybrid Rate Program

Many buyers prefer a fixed interest rate for the term of the loan, but need a lower payment for the first few years. We offer a hybrid option that has  a lower rate and fixed payment for the first five years, then resets to a new interest rate and payment for fixed remaining term of the loan. 

Refinance

You can refinance your existing home to either reduce the payment, reduce the interest rate, and/or get cash out as long as there is sufficient equity in the house. Equity is the difference between the current appraised value of the home and the current loan balance.

Loan Process

Our 6-step loan process is simple and designed to keep your loan application on schedule for a smooth closing. We will update you on the status as we hit the major milestones during the process.

Contact us for a simple and easy pre-approval after you decide to find a home or refinance. We ask questions to get the necessary information and find the best financing option available for you.

Once we have pre-approved you for a new home purchase, it’s time for you to find your new dream home! We can refer you to a top local Realtor who can help you with your specific needs.

Once you’ve made an offer, and it’s been accepted, let us know right away, and we will ensure we get you to the closing table as soon as possible.

After finding your new home, it’s time to get your paperwork in order and get your new financing underwritten and approved. There are different loan programs available, and the documentation we need from you depends on your transaction details. We will guide you through the requirements to simplify the loan process and help you finalize the financing you need.

We work closely with clients to gather additional information required by your loan programs so that we are ready to close within your schedule.

Once we have the final underwriting approval on your new home financing, it’s time to get your documents prepared for the closing. 

When we are ready to close your loan, we manage the process of working with the title company or the loan closing agent to ensure that all the documents are prepared. We will ensure that all your last-minute questions are answered, and you know what you need to bring to closing, including any cash.

When you finish signing your documents, you are ready to move into your new home, or begin putting your refinancing funds to work!

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