Business Details
Trusted Manufactured Home Financing Solutions in Portland
At Fast Mobile Home Loans, we specialize in providing tailored financing solutions for manufactured, mobile, modular, and tiny homes. Our streamlined six-step process begins with a user-friendly online estimator to help clients understand their budgetary parameters. With decades of combined experience, our team of seasoned professionals guides clients through every phase of the loan application, from pre-qualification to closing. We offer financing options for properties in mobile home parks, leased land, and private land across Oregon, Washington, and Arizona. Our commitment to personalized service ensures clients receive expert guidance on documentation, underwriting, and compliance requirements.We maintain transparency throughout the process, clearly explaining loan terms, interest rates, and eligibility criteria. Our team's expertise spans FHA Title I and II programs, USDA loans, chattel mortgages, and conventional financing options. We prioritize client education, helping borrowers understand credit requirements, debt-to-income ratios, and down payment strategies. Our operations are built on a foundation of accessibility, with loan officers available to answer questions and provide support throughout the financing journey. We continuously update our services to meet evolving industry standards while maintaining a focus on affordability and customer satisfaction.
Services
Manufactured Home Loans
Mobile Home Loans
Loans on Own Land
FHA Loans
USDA Loans
Chattel Mortgages
Conventional Mortgages
Loan Pre-Qualification
Credit Counseling
Documentation Support
Highlights and features
- We offer specialized expertise in manufactured home financing with a 6-step streamlined process
- Our team includes loan officers with 20+ years of industry experience
- We provide personalized pre-qualification guidance and documentation support
- We offer FHA, USDA, and conventional loan options for multiple property types
- Our digital tools help clients estimate payments and understand budget parameters
What people say
Quick response
Excellent service
Buyer-friendly
Highly recommend
Available support
Services
Manufactured Home Loans
We provide specialized financing for manufactured homes built after 1976 that meet HUD safety standards. Our loans accommodate single-wide, double-wide, and multi-wide configurations on various property types. Our experienced team helps clients navigate the unique requirements for financing these energy-efficient, durable housing solutions.
Mobile Home Loans
Our financing options cover pre-1976 mobile homes typically classified as personal property. We assist clients with loans for properties in mobile home parks and leased land arrangements. Our experts explain the differences in financing requirements between mobile and manufactured homes.
FHA Loans
We offer FHA Title I and II programs with low down payment requirements starting at 3.5%. Our specialists explain loan limits, eligibility criteria, and insurance requirements for manufactured home purchases. We help clients understand the differences between FHA financing options.
USDA Loans
Our USDA loan program provides zero-down payment options for eligible borrowers in rural and suburban areas. We guide clients through the requirements for permanent foundations and property specifications. Our team ensures compliance with USDA's rural development guidelines.
Chattel Mortgages
We offer chattel loans for borrowers who don't own land, with 5% down payment requirements. Our advisors explain the higher interest rates and shorter terms compared to traditional mortgages. We help clients understand the collateral requirements for these vehicle-style loans.
People
Greg Downey
Managing Director
With a passion for helping first-time buyers, Greg leads our team in providing personalized home financing solutions. He focuses on assembling expert teams to help clients achieve homeownership goals through innovative loan products.
Charles Arnell
Executive Director
With 20 years of home loan experience and over 2,000 clients helped, Charles specializes in finding optimal loan terms. He focuses on delivering competitive rates and comprehensive financing solutions for manufactured home buyers.
Kristin Lord
Operations Manager
A UC Santa Barbara business graduate, Kristin specializes in building client relationships and solving financial challenges. Her sales and customer service background helps clients navigate the home loan process with confidence.
Mary Schefter
Loan Officer
With 30+ years in mortgage lending and prior real estate experience, Mary provides expert guidance on manufactured home financing. She brings extensive industry knowledge to help clients find suitable loan solutions.
Nate Hoffman
Loan Officer
Specializing in mobile and floating home loans since 1998, Nate offers deep expertise from his experience owning mortgage companies and handling complex debt negotiations. He provides practical financing advice based on decades of industry experience.
Questions
What types of homes can I finance?
We finance manufactured homes (post-1976), mobile homes (pre-1976), modular homes, and tiny homes located in parks, on leased land, or private property.
How do I start the loan process?
Begin with our online Fast Estimator tool to check affordability, then complete our pre-qualification application with basic personal and property information.
What credit score do I need?
Minimum credit score requirements vary by loan type: 500+ for FHA, 620+ for conventional, with better terms available for higher scores.
Which states do you serve?
We currently offer loans in Oregon, Washington, and Arizona, with California service coming soon through our network of licensed professionals.
What financing options are available?
We offer FHA, USDA, conventional, chattel mortgages, and personal loans with terms tailored to your specific property type and financial situation.
How much down payment is required?
Down payment requirements range from 0% (USDA) to 5% (FHA/Chattel) depending on loan type, with conventional options starting at 3% for qualified borrowers.
