Business Details
32 Years
experience
Mobile Home Loans & Refinancing Experts
Since 1994, Curt's Mobile Home Service has specialized exclusively in mobile home financing for customers residing in parks, leased land, or family-owned properties. Our expertise lies in chattel mortgages, which focus solely on financing manufactured homes without involving land transactions. With over 30 years of combined industry experience, our team provides tailored loan solutions for qualified borrowers with good to excellent credit. We offer competitive rates, no prepayment penalties, and flexible terms ranging from 7 to 25 years. Our streamlined process delivers credit decisions within 24 hours and presents up to eight loan scenarios for informed decision-making.We require a minimum 5% down payment, though higher down payments yield better rates. Our refinancing options help reduce monthly payments and long-term interest costs while offering equity cash-out possibilities. We serve customers nationwide through a specialized focus on manufactured home financing, maintaining strict underwriting standards that include minimum credit scores of 660-680 and four-year credit history requirements. Our commitment to transparency includes no application fees and clear communication throughout the loan process.
Services
Mobile Home Loans
Manufactured Home Refinancing
Chattel Mortgages
Park Home Financing
Leased Land Loans
Details
- Year established: 1994
Highlights and features
- 30+ years of specialized experience in manufactured home financing
- Nationwide lowest rate and fee combinations available
- No prepayment penalties or application fees
- Credit decisions delivered within 24 hours
- Multiple loan scenarios presented for informed decisions
Services
Mobile Home Loans
We provide specialized financing for manufactured homes in parks or leased land. Our chattel mortgages focus solely on the home structure, requiring 5-20% down payments based on creditworthiness. Qualified borrowers receive competitive rates and terms from 7-25 years with no prepayment penalties.
Manufactured Home Refinancing
Our refinancing options help reduce monthly payments and long-term interest costs for existing manufactured home owners. We offer equity cash-out possibilities and debt consolidation options while maintaining strict underwriting standards for home condition and borrower creditworthiness.
Chattel Mortgages
Specialized loans for mobile homes not attached to land through deed or title. These mortgages focus exclusively on the home structure, with terms from 7-25 years and down payment requirements starting at 5%. Ideal for residents of mobile home parks or leased land communities.
Questions
What credit score is required for a manufactured home mortgage?
Minimum scores of 660 for purchases and 680 for refinancing are required, with four years of credit history. We consider exceptional cases below these thresholds.
Can I get 100% financing for a mobile home purchase?
No. Minimum 5% down payment is required, though higher down payments (10-20%) qualify for better rates. Multiple property owners now require 20% down.
Do you finance homes on owned land?
No. We specialize exclusively in mobile homes located in parks, leased land, or family-owned properties where land isn't deeded with the home.
How quickly can I get a credit decision?
Most credit decisions are delivered within 24 hours of application for both purchase and refinance transactions through our streamlined process.
Can I use a cosigner for my loan application?
No. All applicants must meet our credit requirements independently. Most mobile home parks require individual credit and background checks for residents.
Do you offer financing for new dealer-purchased homes?
Yes, provided the home is set up and livable before funding. We limit dealer commissions to 25% of the dealer's cost for new home purchases.
