Paying a Dealer Rate? You May Be Able to Refinance.
If you bought a manufactured home through a dealer, you may have been placed into a higher-interest loan than necessary. I help homeowners explore refinance options that can lower the rate, payment, or both—based on your home and land setup.
No obligation. This is an education-first eligibility check—not a commitment to lend.
Why Are Dealer Rates So High?
Dealer-arranged financing is often set up for speed and convenience—not long-term affordability. Many buyers don’t realize refinancing may be possible once the home is titled correctly and meets loan requirements.
What you might be in now
Dealer/chattel-style financing with a higher rate and less flexibility.
What we try to move you to
Traditional mortgage options (program-dependent) with better long-term structure.
Check Manufactured Home Refinance Eligibility
Answer a few quick questions and I’ll confirm whether refinancing is possible for your home and land setup.
When a Refinance May Be Possible
- Home is on a permanent foundation (or can be)
- You own the land (or are purchasing it with the home)
- Home was built after June 15, 1976 (HUD code)
- You’ve made on-time payments and want to explore better options
Every loan program has its own guidelines. I’ll tell you yes, no, or not-yet—and exactly why.
What Refinancing Can Do for You
- Potentially lower your interest rate
- Reduce your monthly payment
- Move out of dealer/chattel-style financing when eligible
- Create a more stable long-term mortgage structure
How It Works
- Step 1: Complete the eligibility form
- Step 2: I review your home + land setup and current loan
- Step 3: We map the best refinance path (program-dependent)
- Step 4: Clear next steps with a simple document checklist
Want to see if refinancing is possible?
If your current rate feels too high, let’s check your options the right way.