Making affordable home ownership dreams a reality for more than 30 years.
Affordable housing looks very different now than it did when we got started in 1991, but one thing hasn’t changed: we’re still passionately devoted to helping people realize the dream of home ownership.
The process of buying a home and securing a loan can be intimidating—and even overwhelming. That’s why we’re committed to providing personalized care, attention and guidance every step of the way.
Manufactured home and chattel loans are easier with experts by your side.
In our 30+ years of experience, we’ve discovered one constant: it’s all about relationships. Whether you’re a prospective buyer or a retailer looking for finance options, you’ll find our entire process fast, friendly and mercifully simple.
Pre-Qualify for a Chattel Loan
Whether you’re looking to purchase a new manufactured home or refinance your current one, our friendly experts will shepherd you through the entire process from start to finish. And because our team utilizes an all-in-one service model that allows us to make all key decisions in-house, that means we can approve your loan fast.
Become a Retailer Affiliate
If you’re a manufactured home retailer, working with CIS is an ideal way to help your customers secure financing. Our effortless application process and rapid response times make the whole process relatively quick, easy and seamless. Plus if you ever have any questions or need any support, our friendly experts are on call, waiting to help.
How We Do It
As Easy As 1, 2, 3
Get pre-qualified quickly and apply for the loan from the comfort of your own home.
Meet with one of our professional team members, one on one to help you pick the best option.
Own a home you love, with the loan you love.
Learn More About Our Manufactured Housing Loans
Apply for a chattel loan today. The process is completely digital, and we have some of the most competitive rates on home-only loans and loans for homes plus property. Best of all, you’ll know quickly if you’re approved, so you can start making real-life decisions.
Want to get more information about our home loans for manufactured homes or establish a dealer partnership? View our Manufactured Home Loans page or View our Chattel Loan Information page and you can message us any time day or night through our contact form.
Experienced Manufactured Home Lenders
We want to change the way you view mobile homes. Modern manufactured homes provide an affordable path to homeownership and offer many advantages. Due to high structural standards and the use of quality materials, manufactured homes provide you with peace of mind, an opportunity to make a long-term investment and an attractive place where your family can grow.
CIS Home Loans has experience as a manufactured home lender dating back nearly five decades. We’ve been around for a while, helping people in cities and rural areas obtain affordable financing and work toward achieving their version of the American Dream. Let us show you how we can help you move into your new manufactured home with a fast, easy and enjoyable buying process.
Our Manufactured Home Loan Programs
Trying to secure a loan from a manufactured home financing company may seem like a big step forward, especially for a first-time homebuyer. At CIS Home Loans, we offer two loan programs to fit your needs.
Home Only Program
If you’ve found the home of your dreams but don’t own the land you want to put your manufactured home on, CIS Home Loans’s Home Only program is for you. Our Home Only loan program, traditionally known as a chattel loan, is for a moveable piece of property such as your manufactured home. With our Home Only program, you can place your manufactured home on family land or in a manufactured home community and start enjoying life as a homeowner.
Some benefits of choosing us as your chattel loan lender include:
- Applicants can structure repayments over a range of terms
- Lower interest rates
- Option of a fixed or variable rate
- You own your manufactured home upfront, and it will appear as an asset on your balance sheet
Land In Lieu Program
For those who own land and need financing to purchase their dream home, our Land In Lieu program is for you. With our Land In Lieu program, more traditionally known as land-in-lieu financing, you use your land as a down payment.
Benefits of our Land In Lieu Program include:
- Depending on the value of your land, you will have to contribute little to no additional cash to obtain financing
- You do not need to survey the land or build a permanent foundation to qualify for the loan
- You have the option to include closing costs, fees and site improvements into your loan to reduce out-of-pocket expenses