Your Financing Options

YES! Financing is STILL out there for both used and new homes! Excellent to Good Credit? As one of the premier manufactured homes dealers in the state, Preferred offers sound advice on getting the best financing for your needs. Unlike many retailers who leave you on your own to find lenders, we will connect you with the right banks to solve your financing needs. Call us today to see what we can do for you!

Piece of mind a priority with Preferred, one of the top manufactured homes dealers in the state.

Our credit analysis will answer:

  • What type of financing options are available
  • What to expect for a down payment
  • What loan value you could be approved for
  • What monthly payment range to expect

Credit Problems?

There are loan options for many different credit situations. Call us today to see what we can do for you! (Most lenders do like to see scores around 670 or higher. Depending on the loan, however, some will go as low as 580. Remember – the lower the score, the higher the required down payment!)

Unsure of what your credit is? Like other manufactured homes dealers, Preferred offers free credit analysis! Our credit analysis will answer these four important questions about financing a manufactured home- with absolutely NO obligation!

Please note: If you have filed bankruptcy, manufactured homes dealers require you to have been discharged for at least two years with re-established credit to apply for a loan. If you have had a foreclosure or a short-sale, you will need to wait at least three years before applying for a mortgage. The most important thing to do after either of these is to reestablish your credit. Go to your local bank and start with a secured loan if you are unable to obtain other forms of credit.

After pre-approval, start gathering the following documents:

Driver’s License

2 Months bank statement for the account that your down payment is coming from

W2’s (for each applicant for past 2 years, self-employed need 2 years complete federal tax info)

Pay Stub (dated after the application date) or Awards Letters (must receive child support or any other fixed income for at least 3 years to use for financing purposes)

Piece of mind a priority with Preferred, one of the top manufactured homes dealers in the state.

If the home is going on private property, please also gather:

Copy of Property Deed

Site Bid Quotes

Survey

If the land is NOT in your name and you are doing a “Home Only” loan, you will need written permission from property owner

If the home is going into a park, you will need:

Signed Park Lease

Signed Park Incentive Form (If park offers move-in incentive!)

“We are the Financing Experts!”

My wife and I purchased a home from Preferred to place on land. The experience was fantastic and the home is beautiful. Everyone from the Sales person, Rose, and the other office girls, Mary & Sherri, through the Set-up, Service, Drywall crews and the owner went above and beyond in every area! I would HIGHLY recommend Preferred to everyone I know and if we ever planned to move again we would order from Preferred and do it over again.
John
Matt, Rose and the staff at Preferred Mobile Homes do an excellent job getting back to me when I contact them about our mutual clients. Their service is always top notch and professional. I would recommend Preferred Mobile Homes to everyone I know. Great job team!
Nick
We are currently in the process of having our new home finished with Preferred Homes. It has been delivered and the outside has been put together and finished. We are still in the process of having the inside done. So far we are really happy with Preferred and all the crews that they have had do work for us. We would recommend purchasing from them. The sales (Rose) was very helpful in dealing with the factory and us. We did a custom floor plan and they were very accommodating with the living arrangement we were looking for.
Maxine
Totally amazing staff!!!! Homes were staged JUST LIKE HOME!!! Never seen anything other mobile home store like it!!!! Amazing place. Would definitely recommend. Thank you especially to Rose for your knowledgeable help!!!!!
Kelly
We absolutely love our home. We had a thunderstorm a couple of weeks ago and our dog is big time afraid and shakes, well we couldn't even hear the thunder in our house!!!!! I could not believe it. Built very solid.
Julie
I have personally know Kim Arnold since the late 70's. You are not going to find a more honest person to deal with or to buy a home from. My family has been in the manufactured home business since 1961. We have always referred people to Preferred if and when they need something we can't help them with. They have hauled dozens of homes for us over the last 40 years. Always with a handshake and a smile. If your looking for a new manufactured home, go see Rose, Mary or Kim. Tell them Bill sent you..
Bill
We currently are going thru the process with them and it has been awesome. Really good customer service...right before we closed on the house I ended up going into labor and had a baby. They sent flowers and a teddy bear to the house we are currently living in. Extremely thoughtful!!!! Has gone above and beyond would extremely recommend them. Even some bumps in the road we have hit they always make it right...awesome people!
Abby
We just toured homes and signed papers for purchase of one yesterday! Tim was so helpful, and didn’t try to push us to purchase. He was very knowledgeable about the homes we viewed, and I’m looking forward to working with the rest of their staff in completing our journey in purchasing our new home!
Candace
Rosie, Mary & Sheri were all so amazing! Thanks for getting us into our dream home!
A Satisfied Customer
Your office staff was very helpful. The set-up crew was very careful and conscientious to detail. Thank you for helping us get a beautiful home! It was a pleasure working with you all!
Lori
The office personnel was very helpful and friendly. Thank you for the courteous service.
Norman
Your office staff was so supportive and accommodating. Pass on the same caring service to someone else like you did to us!
Kim
Thank you all for your help! The delivery crew did a great job and were so nice. We will be back in the future if we do this again!
Rachel