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


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!”

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!
The office personnel was very helpful and friendly. Thank you for the courteous service.
Your office staff was so supportive and accommodating. Pass on the same caring service to someone else like you did to us!
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!