Chattel Loan Specialists
Manufactured Home Chattel Loans with Rates You'll Love.
CIS Home Loans has been financing manufactured homes since 1991. Whether you're buying, refinancing, or exploring options — our Home Only chattel loan program makes homeownership accessible, fast, and affordable.
- No land ownership required
- Homes in communities, family land, or leased lots
- New and select pre-owned homes eligible
- Purchase, refinance, and cash-out options
- FHA, VA, and conventional programs available
See Your Personalized Rate
No credit impact - Takes 60 seconds
Enter your mailer code for your reserved rate.
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Built for Manufactured Home Financing
CIS isn't a big bank that happens to do manufactured home loans. It's at the core of what we do — and it has been since 1991.
From Application to Approval in 4 Simple Steps
CIS isn't a big bank that happens to do manufactured home loans. It's at the core of what we do — and it has been since 1991.
#1 Check Your Rate
Fill out the short form or call us. We'll give you a personalized rate quote with no impact to your credit score.
2 minutes
#2 Talk to Your Loan Officer
A dedicated CIS loan officer reviews your situation and helps you choose the right program for your needs.
Same day
#3 Get Approved
Submit documents through our secure portal. Our underwriting team reviews quickly — most decisions in 48 hrs.
24–48 hours
#4 Close & Celebrate
Sign your loan documents and start enjoying your manufactured home with the financing you deserve.
2–3 weeks total
See How Much You Could Save
Refinancing? Enter your current loan details to estimate your potential monthly savings with CIS.
Hear From CIS Home Loans Borrowers
Real families who trusted CIS to help them find their way home.
"The CIS team made our home buying experience quicker and easier than we imagined was possible! From working after hours to get our interest rate locked in to helping us understand how the process worked, they went above and beyond."
"By far the best experience. Handled every issue by email or text and great communication. They were very patient with all my questions and made sure I understood all my options. No hassle home buying. The way to go."
"I was paying a high rate through my dealer and didn't know I had options. CIS got me into a much better rate and the whole process took less than 3 weeks. I wish I'd called them sooner. Saving over $150 a month."
Chattel Loan FAQ
Everything you need to know about chattel loans for manufactured homes.
A chattel loan is a type of financing used to purchase or refinance a manufactured home that is classified as personal property rather than real estate. This is common when the homeowner does not own the land — for example, homes in manufactured home communities or on family land. At CIS, we call this our Home Only program. Chattel loans are typically simpler and faster to close than traditional mortgages.
No. That's one of the biggest advantages of a chattel loan. Whether your home is in a manufactured home community, on rented land, on family land, or on land you own — you can qualify for CIS's Home Only program.
Credit requirements vary by program. FHA-backed manufactured home loans may be available with more flexible credit standards. CIS evaluates your full financial picture — income, employment, down payment, and the property — not just a credit score. We encourage everyone to reach out so we can explore what's available.
A traditional mortgage finances real property (home + land together). A chattel loan finances the home as personal property, separate from the land. Chattel loans close faster, have simpler paperwork, and don't require a traditional appraisal. CIS offers both options — your loan officer will help you determine which fits your situation best.
Most CIS borrowers receive an approval decision within 48 hours. The full process from application to closing typically takes 2 to 3 weeks — significantly faster than a traditional mortgage. Your dedicated loan officer will keep you updated every step of the way.
No. Our initial rate check is a soft inquiry that does not impact your credit score. A hard credit pull only occurs if you decide to move forward with a formal application after reviewing your personalized rate.
Yes. If you have an existing chattel loan — especially one with a high interest rate from a dealer — CIS may be able to refinance you into a lower rate. Many of our refinance customers save over $100 per month. Use the savings calculator above to estimate your potential savings, or call us at 205-430-8250.