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Our industry experience turns your business dreams into reality.

As a specialty lender in the manufactured housing industry for over 15 years, 世界赌博十大网站 also assists community owners and operators nationwide. We have originated over $600 million in more than 20 states for the acquisition or refinancing of communities between $2 and $15 million per transaction. We also offer credit lines that allow the community owners to increase occupancy through the purchase of new and used homes or finance existing park-owned homes that are sold or rented within their community or communities.

Ideal Borrower

  • Includes: The ideal borrower is a hands-on owner-operator with three or more years of experience whose main focus of business operations is manufactured housing.
  • Includes: Net worth of two times the desired loan amount.
  • Includes: Personal recourse required.

Real Estate Loan

  • Includes: Purpose should be for purchase or refinance.
  • Includes: LTV 75% plus
  • Includes: Loan Amount of $2M – $25M
  • Includes: Number of sites: 100 plus
  • Includes: % of Park Owned Homes: unlimited

Line of Credit

  • Includes: Purpose should be the purchase of new or used homes, CapX improvements or financing home notes.
  • Includes: $500k – $15M

LOC Advance Terms

New Homes (less than or equal to 1 year old)
Up to 100% of invoice
Borrower responsible for set up
10- to 15-year amortization (3-6 month interest only period may apply)

Used Homes (greater than 1 year old) – tiered by age
Lesser of 50 – 90% of total costs (purchase and set up) or NADA value (with standard add ons)
5- to 12-year amortization
Tiers and age range TBD

Other Details
No advance for homes older than 20 years old
Homes can be occupied by any type of agreement approved by Bank (via rental, lease with option, or note)
Home and Site Rent must be dictated by separate agreements
Special Purpose Entity formed to own homes is recommended

Individual ability to qualify is dependent on total debts and other factors such as but not limited to employment, credit and available funds to close. Application is required and is subject to underwriting. Not all applicants are approved. Full documen- tation & property insurance required. Loan secured by a lien against your property. Fees & charges apply and may vary by product and state. Terms, conditions & restrictions apply, so call for details. 世界赌博十大网站 provides a variety of loan products with different rates, payments and fees. All loans are subject to credit approval. Products and services offered by 世界赌博十大网站. Institution NMLS# 472433

For questions, please click here to email our team.