Our Product
We offer fixed-rate, fully amortizing loans for manufactured/mobile homes located in park communities or on private property. Homes are eligible for funding subject to valuation and condition. Minimum down payments are 10% for homes in parks and 25% on private property. Availability, rate, and APR vary by State, borrower profile, and collateral; not all applicants will be approved.
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Loan amounts: $25,000–$100,000
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Terms: 10 years
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APR: 14–17%
FINANCING THE GAP
Scaling subprime manufactured-home lending to address America’s affordable-housing crisis.
Our Competitive Edge
We differentiate ourselves by being the most dependable lender in the subprime manufactured home space. Our value proposition is simple: fast credit decisions and predictable closings when buyers need certainty most. We build our pipeline through strategic point-of-sale partnerships with mobile home park owners, dealers, and real estate brokers, creating a referral network that drives consistent deal flow in each market.
We protect our investors through multiple safeguards: loan guarantees on every loan, mandatory home insurance requirements, and stringent underwriting criteria based on each borrower's current financial capacity—not just their credit history. This approach balances accessibility with risk management, ensuring sustainable returns.
Credit Guardrails
We recognize that subprime borrowers often have lower credit scores. Rather than relying solely on backward-looking metrics, we evaluate factors borrowers actively control: current payment behavior with existing vendors, debt-to-income ratios, and ability to meet down payment requirements. When additional risk factors are present, we require co-borrowers or co-signers to strengthen the loan profile. This proactive strategy enables us to support creditworthy borrowers that traditional lenders might miss, all while upholding the quality of our portfolio and ensuring consistent reliability for our dealer and park partners.
We’ve set up credit guardrails to reduce risk and make it easier for more prospects to access our services. We employ robust borrower screening protocols, including comprehensive income verification, debt-to-income ratio analysis, and employment status checks. These measures ensure that every loan originated meets our standards for financial stability, reducing the likelihood of defaults and protecting both our portfolio and investors.
Our Competitive Advantage
We have established our market position through three main advantages that traditional lenders find difficult to copy.
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We've developed deep expertise in subprime manufactured home lending with transparent credit guardrails that deliver credible approvals when borrowers need them most. By evaluating forward-looking factors borrowers can control—rather than relying solely on credit scores—we serve a market segment consistently overlooked by traditional financial institutions.
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Our sub-5-minute response discipline produces materially higher contact and closing rates in a market where speed determines conversion. This operational excellence, powered by AI automation and efficient processes, transforms inquiry momentum into funded loans while competitors lose deals to slow turnaround times.
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Our point-of-sale partnerships with park owners, dealers, and brokers generate repeatable deal flow at significantly lower customer acquisition costs than direct channels. These relationships don't just reduce marketing spend—they create a sustainable growth engine built on trust and proven reliability.
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We optimize our marketing toward funded loans—not just leads—by importing offline approvals and fundings into our attribution systems, ensuring every dollar spent drives actual revenue. Together, these advantages create a defensible position in an underserved market.
Our Product
We offer fixed-rate, fully amortizing loans for manufactured/mobile homes located in park communities or on private property. Homes are eligible for funding subject to valuation and condition. Minimum down payments are 10% for homes in parks and 25% on private property. Availability, rate, and APR vary by State, borrower profile, and collateral; not all applicants will be approved.
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Loan amounts: $25,000–$100,000
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Terms: 10 years
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APR: 14–17%
Revenue Engine
Our primary source of revenue comes from the interest earned in loans we finance. Our operational advantage lies in our AI-powered lending process that accelerates credit decisions and streamlines documentation. Through the integration of advanced automation, streamlined lead management, and thorough underwriting processes, we uphold portfolio quality and consistently achieve a time-to-fund cycle of 15–20 days.
Conversion
Engine
Speed determines conversion in subprime lending. We've replaced 24-hour response times with automated SMS acknowledgment and callback within 5 minutes during business hours. This approach delivers 2–3x better contact rates while preserving approval rates and accelerating deal flow.
Where Our Growth Comes From
Our growth strategy prioritizes high-converting channels that align with buyer intent and generate sustainable deal flow.
Relationship Distribution
We build our pipeline through strategic partnerships with mobile home park owners, dealers, and real estate brokers. These partners sit at the point of sale, creating repeatable referrals with significantly lower customer acquisition costs than direct marketing. We're game changers in the industry: every loan we finance includes a loan guarantee. Park owners serve as excellent guarantors—in the event of borrower default, they continue making monthly payments while managing eviction, refurbishing the home, and reselling the unit. This structure protects our portfolio while maintaining their rental income stream.
Our execution combines founder-led outreach with targeted social media advertising to property owners and managers, supported by proof-led case studies that demonstrate our reliability. We make partnership easy through simple intake processes and tight service-level agreements that protect our partners' reputations.
Borrower Demand
While partnerships drive our core pipeline, we complement this with targeted direct-to-borrower marketing that captures high-intent demand. Our borrower-facing website features AI-powered video explanations that walk prospects through the loan process, integrated with our CRM software to enable automated, continuous engagement throughout their journey. This creates a seamless, educational experience that builds trust and maintains momentum from initial interest to application completion.