MANUFACTURED HOME LENDING
Financing Your California Dream Home
Financing Your California Dream Home
Experience home ownership with California's trusted experts in manufactured home financing.
Built on Trust
0 Hidden Fees
TRANSPARENT PRICING
21-Day Closings
FAST APPROVALS
OUR PRODUCTS
Tailored Loan Programs
Land-Home Packages
Combine your California manufactured home and private land purchase into one streamlined loan process with a single closing.
- Single close financing
- FHA, VA, and Conventional
- Construction-to-perm options
- For private CA land or lots
Mobile Home or In-Park Loans
Specialized financing for manufactured homes located in leased-land communities and parks across California.
- No permanent foundation required
- Financing for older model homes
- Competitive in-park rates
- Fast & efficient CA closings
Refinance & Cash-Out
Tap into your manufactured home's equity or secure a lower interest rate to reduce your monthly obligations.
- Access cash for improvements
- Lower your interest rate
- Shorten your loan term
- Debt consolidation options
HOW IT WORKS
A Clear Path to Closing
01
Apply
Complete our simple, secure application.
02
Review
We match you with the optimal CA program.
03
Approval
Receive clear terms and a firm clear-to-close.
04
Funding
Funds are swiftly disbursed for your home.
Client Experiences
Stories from Homeowners
Dove Financial made financing my in-park manufactured home incredibly smooth. Bob and the team understood the unique requirements of park leases and walked me through every step of the process with complete transparency.
I was nervous about the home buying process and what I could truly afford. Bob was exceptionally patient, answered all my questions, and helped me secure a loan that fits my family's budget perfectly.
I needed to tap into my home's equity for some major renovations. The cash-out refinance process was straightforward, and they closed the loan faster than I expected. I highly recommend their specialized expertise.
ABOUT DOVE FINANCIAL
40 Years of Excellence
For over four decades, Dove Financial has been the trusted name in manufactured home lending. We understand that financing a home in a park or community presents unique challenges that traditional lenders often miss.
Our deep in-park focus means we know the nuances of space rent, park approvals, and chattel (home-only) financing inside and out. From your first application to final funding, our full-service support ensures a seamless, transparent experience.
QUALIFICATION NOTICE
California-Only Lending
To ensure the highest level of specialized service, Dove Financial exclusively originates loans within the state of California. By focusing our expertise regionally, we navigate local park regulations and state requirements faster than nationwide lenders.
If you are looking to purchase or refinance a manufactured home in the Golden State, our expert team is ready to guide you home.
TAKE THE NEXT STEP
Ready to Apply?
Complete our secure online application to start the process, or call us directly to speak with a California manufactured home specialist.
Ask for Bob • (714) 508-0780
Frequently Asked Questions
Buying & Financing
What types of loans does Dove Financial offer?
Dove Financial specializes in financing mobile homes and manufactured homes throughout California. We offer purchase loans, refinance loans, cash-out refinances, second home financing, manufactured homes on private land, construction-to-permanent financing, conventional home loans, and several specialty lending programs designed for unique situations.
Can I finance a mobile home located in a mobile home park?
Yes. Many lenders do not finance homes in leased-land parks, but Dove Financial offers loan programs specifically for in-park mobile and manufactured homes.
What is a chattel loan?
A chattel loan finances the manufactured or mobile home itself rather than the land beneath it. These loans are commonly used for homes in leased-land parks and have different terms than traditional real estate mortgages.
What is an in-park loan?
An in-park loan is financing for a manufactured or mobile home located in a leased-land mobile home park. Dove Financial specializes in these loans throughout California.
What is the Home & Land Combination program?
This program finances both the manufactured home and the land together under one mortgage, making it a real property loan.
Can I finance only the manufactured home if I already own the land?
Yes. If you own the land and only need financing for the home, Dove Financial offers loan options designed specifically for that situation.
What is the Buy For program?
The Buy For program allows a qualified borrower to purchase a manufactured or mobile home for someone else to occupy, such as a family member.
What is a HUD home?
Manufactured homes built on or after June 15, 1976 meet federal HUD standards. Homes built before that date are generally considered pre-HUD homes and may have different financing options.
Can I finance a pre-HUD mobile home?
Yes. There are no age limits.
Loan Process
How do I get pre-approved?
Complete our online application and we'll review your information to determine which loan programs may be available for you.
What documents will I need to apply?
Most applications require proof of income, bank statements, identification, and information about the property. We'll tell you exactly what's needed.
Does getting pre-qualified affect my credit score?
Sometimes a preliminary review can be completed without a hard inquiry. If a full credit check is needed, we'll discuss it with you first.
Can I use gift funds for my down payment?
Many loan programs allow eligible gift funds toward your down payment. Requirements vary by program.
How much money do I need for a down payment?
Down payment requirements vary by loan program, credit profile, and property. Some qualified borrowers may be eligible for as little as 5% down.
Can I refinance my existing mobile home loan?
Yes. We offer both rate-and-term and cash-out refinance options for qualified homeowners.
How long does the loan process take?
Every loan is unique, but providing requested documentation promptly helps keep the process moving efficiently.
Working With Dove Financial
Why choose Dove Financial?
Dove Financial focuses on manufactured and mobile home financing. With more than 40 years of lending experience, Bob Berthiaume provides knowledgeable, personalized guidance from application through closing.
How do I know which loan program is right for me?
We'll review your goals, property type, credit profile, and financing needs, then explain your options in plain language.
What if I've been turned down by another lender?
Don't give up. Different lenders have different programs. Because we specialize in manufactured home financing, we may have options others do not.
Do you work with real estate agents and mobile home dealers?
Yes. We regularly partner with real estate professionals, dealers, and park managers throughout California.
How long have you been helping people finance manufactured homes?
Bob Berthiaume has more than 40 years of mortgage lending experience and has helped countless buyers and homeowners secure financing.
Still Deciding?
What if I'm not sure whether I qualify?
Many people have more financing options than they realize. A quick conversation can help determine where you stand and identify programs that may fit your situation.
Still Have Questions?
Every manufactured home financing situation is unique. If you're unsure which loan program is right for you, contact Bob for a no-obligation consultation. He'll answer your questions, explain your options, and help you determine the best path forward.
14742 Plaza Dr, Ste 200, Tustin, CA 92780
Business hours: Mon-Fri 9:30am-4:30pm
Call us: (714) 508-0780 - Ask for Bob
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