Business Details
22 Years
experience
Trusted Mortgage Brokers in California
New Horizon Mortgage Concepts has been a trusted mortgage brokerage in California since 2004, specializing in manufactured home loans and reverse mortgages. Our team of experienced mortgage planners prioritizes personalized service, offering diverse loan products tailored to clients' unique financial needs. We maintain a hands-on approach, guiding borrowers through conventional, government-insured, and private investor financing options while leveraging decades of industry expertise.Our commitment to transparency and client education ensures borrowers receive competitive rates and terms, even for complex scenarios like pre-1976 manufactured homes. With two Southern California locations and a secure online application system, we combine local market knowledge with modern convenience to serve homeowners across the state.
Services
Manufactured Home Loans
Mobile Home Loans
Reverse Mortgages
VA Home Loans
Conventional Financing
FHA Loans
USDA Loans
Refinance Programs
Equity Conversion Mortgages
Seller Contribution Assistance
Details
- Year established: 2004
Highlights and features
- Specializing in manufactured home financing since 2004 with 30-year fixed terms
- Offering private investor loans for non-traditional scenarios
- Maintaining a hands-on approach with personalized loan status updates
- Providing government-insured programs with favorable credit requirements
- Enabling home purchases through reverse mortgage options
Associations and certifications
- California Department of Real Estate
- NMLS
What people say
Entire loan process very easy
Competitive interest rate
Face to face business
Credit problems resolved
Personalized service
Services
Manufactured Home Loans
Specialized financing for manufactured homes since 2004, including pre-1976 models and properties in space rent parks. We offer 30-year fixed terms, competitive rates, and flexible options for borrowers with varying credit profiles. Our expertise ensures access to conventional, government-insured, and private investor programs tailored to California's unique housing market.
Reverse Mortgages
Home Equity Conversion Mortgages allow equity conversion without monthly payments. Available for both refinancing and home purchases, these government-insured loans prioritize borrower equity over traditional income requirements. We've specialized in HECM programs since 2006, helping California homeowners access funds while maintaining property ownership.
VA Home Loans
Government-backed financing for military veterans with benefits including zero-down payment options and seller contributions up to 100% of closing costs. We assist veterans with initial purchases and subsequent loan uses after full repayment, providing lifetime mortgage benefits through the VA program.
Conventional Financing
Fannie Mae and Freddie Mac-backed loan programs with standard underwriting criteria. Ideal for borrowers seeking competitive rates with conventional lending requirements, including purchase and refinance options for manufactured homes and traditional properties across California's diverse housing market.
Private Investor Loans
Non-traditional loan products for scenarios outside conventional and government guidelines. These programs address unique property conditions or borrower circumstances that don't qualify through standard channels, providing flexible solutions for complex financing needs in California's manufactured housing sector.
Questions
What types of mortgage loans do you offer?
We offer manufactured home loans, reverse mortgages (HECM), VA loans, FHA loans, USDA loans, conventional financing, and private investor programs.
Can I get financing for older manufactured homes?
Yes, we provide financing for manufactured homes built before June 15, 1976, including those in space rent parks without permanent foundations.
Do you work with borrowers who have credit challenges?
Yes, our government-insured programs have flexible credit requirements, and we've successfully helped clients with credit issues obtain competitive loans.
How can I apply for a mortgage?
Apply through our secure online portal or contact our Redlands or Palm Springs offices directly for personalized assistance with your loan application.
What is a reverse mortgage?
A reverse mortgage allows homeowners to convert home equity into funds without monthly payments, available for purchase or refinancing scenarios.
