Mobile Home Loan Options: Which One Fits Your Situation?
Your Leading Mobile Home Finance Company: Solutions for Manufactured and Modular Home Dreams
Triad Financial Services, Inc. has specialized in mobile, modular, and manufactured home financing for more than 50 years. Whether you're buying a home or refinancing an existing loan, we offer mobile loan options designed to make manufactured homeownership more accessible.
Triad provides finance options for new and pre-owned manufactured homes, including single- and multi-section homes. With competitive rates, homeowners insurance options, and extended warranty programs, we can help you find a financing solution that fits your needs and goals.
Manufactured Home Financing Options for Buying or Refinancing
Buying a manufactured home or refinancing your current loan is a big financial decision. Triad makes the process easier by offering clear manufactured home financing options for both purchases and refinances.
Purchase/Loan Process: Learn how the financing process works when buying a new or pre-owned manufactured home, from application through closing.
Refinancing Process: Explore refinancing options that may help you improve your current loan terms, lower your interest rate, or better fit your financial goals.
Not sure which describes your setup? Call Triad at (800) 522-2013, or review the glossary of lending terms.
Home Finance Programs Available Across the United States
Triad offers home finance programs to consumers across a wide range of states, making manufactured home financing available to buyers in many parts of the country.
Direct consumer financing is currently available in:
Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, New Mexico, New York, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, West Virginia, and Wyoming.
Triad also offers direct consumer refinancing of principal and interest in select states. Homeowners interested in refinancing may be able to explore new loan terms and rates based on their current financial situation.
Refinancing is currently available in:
Arizona, California, Delaware, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Montana, Nebraska, New Jersey, New Mexico, New York, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Diverse Financing Solutions for Every Homebuyer
At Triad, we recognize that every homebuyer's situation is unique. Our financing solutions are designed to cater to a wide range of needs.
Navigating Qualifications: How to Finance a Manufactured Home
Your credit history and credit score are important factors when exploring financing options for manufactured homes. They can affect the interest rate, loan terms, and financing programs available to you.
If you're researching how to be eligible for a mobile home, lenders may also consider factors such as your income, debt, down payment, and the home you plan to finance. Triad can help you understand these requirements and what may be needed to move forward with your application.
Why Triad Stands Out in Mobile and Manufactured Home Finance
Triad has specialized in manufactured home financing for decades, helping buyers understand their options and navigate the lending process. Our team takes the time to review each borrower's individual situation and explain the financing options that may be available.
From comparing loan terms to getting approved for a manufactured home, Triad provides personalized guidance throughout the financing process, helping you find an option that fits your home purchase and financial goals.
Comprehensive Coverage: State-Specific Services
Our services are tailored to meet the specific needs of residents in the states we serve. This state-specific approach ensures that our financing solutions are in line with local market conditions and regulations, providing you with the most relevant and beneficial options.Long-Term Commitment: From Purchase to Ownership
Triad's relationship with clients extends beyond the initial loan process. We are committed to supporting you throughout your homeownership journey, offering advice and assistance as your housing needs evolve.
Why Financing a Manufactured Home Calls for a Specialist Lender
Specialized in manufactured home lending since 1959
Licensed in 47 states — NMLS #1063
Leadership with decades in manufactured housing finance
Getting Started with Triad
Mobile Home Loan Questions Buyers Ask Most
How Much Do I Need for a Down Payment?
There isn't one down payment amount that applies to every manufactured home loan. We look at your credit profile, the home you're financing, whether land is involved, and the loan program that fits your situation.
For qualifying primary residence purchases, Triad offers financing up to 95% loan-to-value (LTV). Some programs may also allow land you already own to be used in place of a cash down payment. We'll review the details with you and let you know what down payment, if any, applies to your loan.
What Closing Costs Should I Expect?
Closing costs depend on the type of loan and the state where the home is located, so there isn't one standard amount we can quote for every borrower. A Home Only loan, for example, may have different costs than financing that includes both the manufactured home and land.
Once we know the details of your purchase, we'll identify the closing costs that apply to your loan. Triad may also be able to finance closing costs into the loan, depending on the transaction.
Fixed Rate or Adjustable Rate?
Triad offers fixed-rate manufactured home loans. We do not offer adjustable-rate mortgages (ARMs).
With a fixed-rate loan, your interest rate does not change during the loan term, making the principal and interest portion of your payment more predictable. We'll review the available rate and loan terms with you based on your financing situation.
Can I Refinance Later?
Yes, refinancing may be available if your manufactured home and current loan meet Triad's requirements. Homeowners often explore refinancing when they want to lower their interest rate, change their loan term, or improve their overall financing situation.
Refinancing isn't one-size-fits-all, so we'll look at your current loan, home, credit profile, income, location, and other eligibility requirements to determine what options are available to you. Triad currently offers qualifying rate-and-term refinancing for manufactured home loans in the states where its refinance program is available.