In-park mobile home loans—commonly referred to as chattel loans—are designed for manufactured or mobile homes located on leased land within a manufactured home park. Unlike traditional mortgages, chattel loans finance the home itself, not the land, making them a specialized form of lending that many lenders do not offer.
At Seattle Mortgage Pros, we specialize in chattel loans for in-park mobile homes, helping buyers and homeowners secure financing when others are unable to do so.
A chattel loan is a type of financing used for manufactured and mobile homes that are not permanently affixed to owned land. These loans are commonly used for homes located in mobile home parks where the homeowner leases the space from the park owner.
Chattel loans typically apply when:
Because the land is not included, chattel loans follow different underwriting guidelines, title requirements, and lender criteria than traditional mortgages.
Financing an in-park mobile home with a chattel loan requires working with lenders who understand manufactured housing on leased land. Seattle Mortgage Pros works with specialized lenders that offer chattel loan programs for eligible homes and borrowers.
We assist with:
These loans are commonly used for primary residences within mobile home parks and may have specific requirements related to home age, park approval, lease terms, and space rent.
Chattel loans are often misunderstood, leading many borrowers to be incorrectly told they cannot finance or refinance their in-park mobile home. Our experience allows us to identify viable solutions quickly.
We routinely help with:
Our team understands how to align lender requirements with park guidelines to keep transactions moving smoothly.
Seattle Mortgage Pros is a trusted resource for chattel loans and in-park mobile home financing throughout Washington. We focus on clarity, speed, and realistic solutions—especially for loan scenarios that fall outside traditional mortgage guidelines.
If you’re buying or refinancing a mobile home on leased land, Seattle Mortgage Pros provides the expertise and lender access needed to help you move forward with confidence.
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