Mobile Home Financing

Made Easy

Flexible Financing, Boundless Opportunities

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Affordable Solutions for Your Homeownership Journey

Our Mobile Home Program offers tailored financing solutions for primary residences, secondary homes, and vacation properties. This program is designed to meet the needs of a wide range of borrowers, providing flexible terms, competitive rates, and fast approvals.

Key Benefits

Flexible Down Payments:

Minimum down payments as low as 5% for primary residences and 15% for secondary homes.

Credit Accessibility:

Minimum credit scores starting at 550 for primary residences, making it accessible to a wider range of borrowers.

High Loan-to-Value Ratios:

Financing up to 135% of the gross invoice for new homes, ensuring ample funds for your purchase.

Comprehensive Coverage:

Covers 100% of closing costs and buy-down points, with options to include set-up allowances and retailer-installed options.

Customizable Terms:

Loan terms up to 300 months, providing flexibility in repayment.

Low Closing Costs:

Reduced closing costs compared to traditional mortgage loans, making it easier to afford upfront expenses.

No PMI Required:

Avoid private mortgage insurance, which can save you money over the life of the loan.

Quick and Easy Process:

Streamlined application and approval process, with funding typically completed quickly.

Who Can Benefit from This Program?

First-Time Homebuyers: Ideal for those entering the housing market with lower credit scores and minimal down payments.

Homeowners Looking to Refinance: Great for current mobile homeowners seeking better terms or lower rates.

Investors and Second Home Buyers: Suitable for purchasing vacation homes or investment properties.

Self-Employed Individuals: Offers options for those with non-traditional income sources.

Terms and Conditions

Primary Residence:

Minimum Credit Score: 550-640 (varies by program tier)
Minimum Down Payment: 5%
Maximum Loan Amount: $750,000
Maximum Term: 300-360 months
Judgements and liens must be paid in full or set up on a payment plan within DTI guidelines.
No recent delinquencies on any open line of credit.

Secondary/Vacation Home:

Minimum Credit Score: 625-640
Minimum Down Payment: 15%
Cannot be within 50 miles of the primary residence (exceptions with management approval).
Maximum Buy Down: 4 points.

Disqualifiers:

Bankruptcy less than 36-60 months from discharge date.
Foreclosure less than 60 months.
No ITIN applicants.
No rental/investment or business property loans.

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Why Consider Our Mobile Home Financing Program?

This program is a fantastic option for those looking to purchase or refinance a mobile home.

With flexible down payments, accessible credit requirements, and comprehensive loan coverage, it offers an attractive solution for a variety of borrowers.

Whether you're a first-time homebuyer, looking to refinance, or interested in a vacation property, the Triad Financial Services Mobile Home Program provides the financial support and flexibility you need.

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