Buying a manufactured home in a California park? Credit from 550, down payments as low as 5% for qualifying buyers — and a real answer on your loan before you ever make an offer.
Call or Text Mike
Chattel loans for manufactured homes in parks — for buyers who plan to live in the home.
Buyers with challenged credit can still get a clear answer.
5% down for qualifying buyers with 600+ scores. 15% may apply below 600.
Loan amounts up to $450,000, with terms to 25 years.
Both new and pre-owned homes qualify — built on or after June 1976.
The buyer must occupy the home. No rentals or investment properties.
Maximum DTI up to 50% in qualifying programs.
Three steps, and you shop for your home knowing exactly where you stand.
Call or text Mike and tell him about the home you're looking at — no commitment, just a conversation.
Mike takes your full application and submits it to a real credit underwriter — not a guess, not a worksheet.
Approval back in 24–48 hours, before you make an offer — so you and the seller both know it's a solid deal.
You don't need an accepted offer to get started. Send me your buyer before there's an offer — I'll get them credit-qualified so you and your seller know it's a solid deal before you ever go under contract.
Call or Text MikeYou deal directly with Mike — not a call center.
Mike Richardson has been in the lending business for over 20 years — a mortgage broker since 2008. Through The Mortgage Marketplace, he helps California buyers finance manufactured homes in parks: credit from 550, real underwriting, and straight answers with no runaround. When you call or text, you get Mike himself — not a call center, not a handoff to someone who's never seen your file.
Call or text — you'll reach me, not a call center. Questions about a home, your credit, or the program, just reach out.
Call or Text Mike