Low fees
We won’t nickel and dime you. We keep our fees as low as possible so your loan is as inexpensive as it can be.
A HomeFi program built for manufactured homes
Manufactured home loans, simplified.
Fast pre-approval. Real people. A loan program built for the home you’re actually buying — not a workaround for a mortgage that wasn’t.
Equal Housing Lender · NMLS #1804455 · Apply in under 10 minutes
min
To apply online
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FICO scores welcome
closing
Not two — we close up front
States licensed & lending
Why SimpliClose
Manufactured home financing isn’t a stick-built mortgage. We treat it that way.
Streamlined process
Apply in under 10 minutes. Upload documents from any device. Same-day pre-approvals when we have what we need.
Exceptional service
A real person with a phone number that’s actually theirs — from application to closing, the same team.
How SimpliClose works
Six steps from first application to your front door
Designed around how manufactured homes actually get built and financed — so the money is ready before your home is.
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Pre-approval
Apply in 10 minutes. Get same-day pre-approval and know exactly what you can afford before you start shopping.
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Select your home
Visit your dealer and pick the manufactured home that’s right for you. You bring us the details — we put together the loan.
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Close your loan
We close your financing up front, so funding is in place before your home goes in. One closing — not two.
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Build your home
Your dealer builds and installs your home on its foundation. Typically 30 to 60 days, and your loan is already taken care of.
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Lock in long-term financing
Once your home is set, we modify your loan to your permanent terms. No new closing, no extra cost — one signature and you’re locked in.
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Move in!
You’re home. We coordinate the final details with your dealer and hand over the keys.
Loan options
How we finance manufactured homes
Real-property loan options designed for the way people actually buy a manufactured home.
Land & home
Buying land and the home together? We offer construction-to-perm loans that bundle them into one mortgage — and a good portion of the closing costs can be financed.
Home for someone else
We have options that let you purchase and finance a manufactured home for someone else — a parent, an adult child, or whoever you’re helping into a home.
Land-in-Lieu
Already own your land? Use it as your down payment. In many cases, no cash is required up front to make your purchase happen.
From our borrowers
More like friends than just our mortgage people
“They actually understood manufactured home financing. One closing, no surprises, and someone picked up the phone every single time I called.”
“We used our land as the down payment and didn’t bring cash to the table. I had no idea that was even possible until SimpliClose walked us through it.”
“Pre-approved the same day I applied. By the time we picked our home, the financing was already done. Easiest part of the whole move.”
For dealers & retailers
A lending partner that closes — so your homes don’t sit on the lot.
SimpliClose gives your buyers fast pre-approvals and one-closing financing built specifically for manufactured homes. Fewer fall-throughs, faster move-ins, happier customers.
Same-day buyer pre-approvals
Send a customer in the morning, get them qualified by the afternoon. We keep your floor moving.
One dedicated team
Your buyers work with the same people from application to closing — and so do you. No call-center roulette.
Programs built for your inventory
Land-and-home, land-in-lieu, and construction-to-perm — financing that fits the homes you actually sell.
FAQ
Questions, answered
What types of manufactured homes do you finance?
We finance singlewide, doublewide, and modular manufactured homes — both newly built and pre-owned — through real-property loans and land-and-home packages.
Do you finance the land along with the home?
Yes. Many borrowers buy the home and the land it sits on together — we offer land-and-home loans that bundle them into a single mortgage with one payment.
What credit score do I need?
We work with FICO scores as low as 580. Programs vary by score, but if you’re in that range — or close to it — tell us about your situation and we’ll walk you through what’s possible.
How much down payment is required?
Depends on the program. Some loan types allow as little as 5% down; others may require 10–20%. We’ll spell out your specific options when you apply.
How long does the process take?
Same-day pre-approval when we have your documents. From application to closing is typically 30–45 days, depending on how quickly the home is ready and how fast paperwork comes together on your end.
What does my home need to qualify?
SimpliClose finances manufactured homes that are titled as real property — meaning the home sits on land you own (or are buying) and is set on a permanent foundation. The home should be HUD-tagged and built to current manufactured housing standards. If you’re not sure where your situation falls, tell us and we’ll walk you through it.
Can I refinance my manufactured home?
Yes. If your manufactured home is titled as real property, we can help you refinance — rate-and-term refinances to lower your payment, or cash-out refinances to tap into your equity.
Do I need to have a home picked out first?
Not at all. Many buyers get pre-approved first so they know their budget before they shop. A pre-approval also makes dealers and sellers take you more seriously when you’re ready to make an offer.
Still have a question? Call (850) 424-7277 — a real person answers.
Your home is waiting. Let’s get you approved.
Apply online in under 10 minutes and get a same-day answer. Real people, low fees, one closing.
Equal Housing Lender · NMLS #1804455 · Not a commitment to lend.