Mobile Home Park Lending Solutions
At Sunwest Bank, we specialize in mobile home park financing—not as a side offering, but as a core area of expertise. Whether you’re purchasing a single home park, expanding a national portfolio of manufactured home communities, or refinancing an existing asset, our tailored lending solutions are built for your goals.
We work with owners and operators across the country, including RV park model resorts, to deliver smart, strategic capital through traditional loans, creative financing options, and specialized programs. With deep industry insight and flexible underwriting, we offer what few mobile home financing companies can: a true partnership.
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Understanding Mobile and Manufactured Home Communities
Mobile and manufactured homes are more than investments—they’re communities. Financing them requires experience with unique operational models, revenue sources, and ownership structures. At Sunwest, we:
- Include income from park-owned homes in our underwriting
- Offer second trust deeds for qualifying borrowers
- Understand the nuances of lot rent, tenant-owned vs. park-owned units, and long-term infrastructure planning
We proudly support the industry’s mission to provide affordable housing and sustainable community living through customized loan solutions.
Why Mobile Home Parks Matter
Mobile home parks and manufactured housing communities serve millions of Americans and represent a vital housing solution in today’s market. As trusted lenders for mobile homes in parks, we recognize their economic and social importance—and structure our financing options to promote long-term success and stability.
Mobile Home Park Financing Options
Our loan programs are designed to meet the full spectrum of borrower needs, from acquisition and renovation to refinance and solar installation.
Fixed and Floating Rate Loans
Purpose: Choose the structure that best fits your risk profile and market outlook.
Use Cases: Purchases, refinances, recapitalization, expansions.
Features:
- Fixed or floating interest rates
- Terms from 12 months to 10 years
- Amortization up to 30 years
- Leverage up to 70%
- Recourse and non-recourse options available
These loans are ideal for borrowers who need flexible structures to match their investment strategy and cash flow expectations.
Full-Spectrum Loan Programs
Purpose: Support all stages of the property lifecycle.
Use Cases: Purchases, refinances, recapitalization, expansions.
Loan Types Offered:
- Construction loans
- Bridge loans
- Mini-perm loans
- Permanent financing
- Chattel lending for personal property
- Infrastructure improvement loans
- Solar financing loans
We also provide seller financing options when available, and work closely with borrowers seeking conventional financing or alternative capital strategies. Our lending professionals can also help explore commercial mortgage backed securities or Fannie Mae options where applicable.
Competitive Interest Rates & Down Payment Flexibility
We offer competitive rates across all loan types with both fixed and variable interest options. Our down payment requirements are designed to suit varying credit profiles, making our solutions accessible to new entrants and experienced investors alike.
Whether you’re financing a mobile home park, manufactured home loans, or a trailer park financing deal, Sunwest ensures terms that support sustainable growth—not just approval.
| Loan Size | $1 – $40mm |
| Term | 12 mo – 10 yrs |
| Amortization | Up to 30 yrs with Interest Only periods available |
| Leverage | Up to 70% |
| Rate | Fixed or Floating |
| Prepay | Stepdown (Fixed) or Par (Floating) |
| Recourse | Recourse and Non-Recourse |
| Quality | 1-5 Star Communities |
| Types | Construction, Bridge, Mini-Perm, Perm. Chattel lending division. Infrastructure improvement or Renovations. Dedicated Solar financing division. |
Specialized Divisions to Support Your Community
We go beyond traditional lending with dedicated divisions to support specific needs within your mobile or manufactured home community:
- Chattel Lending: Financing for personal property such as park-owned homes or other movable assets
- Infrastructure Improvement: Loans for water systems, electrical upgrades, roads, and other vital infrastructure
- Solar Financing: Support for eco-conscious operators investing in solar energy installations across their properties
These programs ensure you can improve, modernize, and future-proof your communities with financing that aligns to each phase of development.
Communities We Support
We provide financing for a wide range of property types and quality levels:
- 1- to 5-star rated manufactured housing communities
- Single-site mobile home parks
- Multi-site national portfolios
- Rural or urban RV parks
- Seasonal and year-round park model resorts
No matter the scale or location, we have the expertise and capital to help you grow with confidence. We also offer property management tools like lockbox, scanners, and earnings credit analysis to streamline your operations and lower costs.
The Sunwest Bank Advantage
At Sunwest Bank, we’re more than a lender—we’re a strategic partner. Here’s what sets us apart:
- Decades of mobile home park lending experience
- Deep familiarity with mobile home operations and financing complexities
- Flexible terms, creative structures, and quick responses
- Regionally based experts in California, Arizona, Utah, Idaho, and Florida
- Access to both traditional loans and innovative financing strategies
Whether you’re seeking mobile home park loans, rv park financing, or working with a small home park ready to scale, we tailor our approach to your business model and growth stage.