MANUFACTURED & CONSTRUCTION HOME LOANS
Build or Buy with Confidence
Whether you're planning to purchase a manufactured home with our specialized financing options or build a new one from the ground up using our construction loan, we're here to help you find the perfect financing solution that's right for you. Both loan types are supported by an experienced team dedicated to providing personalized service so that you have the resources and support necessary to successfully navigate the home buying or building process.
New Construction Loans
We offer new construction loan for VA, FHA and USDA Loans. These programs are good for customers that can't find an existing home to purchase.
Secure the Perfect Land
Have you found the ideal spot to build your dream home? With our program, you can finance the land or lot for your new house with various loan terms available.
Refinancing Options
Increase your investment's profitability by refinancing to a lower interest rate or different loan terms.
Cash Flow Based Lending
We offer loans that focus on the cash flow of the property, rather than solely on your personal income, making it easier for investors to qualify.
What’s the difference?
Chattel Lending vs. Manufactured Home Financing
When exploring manufactured housing, it’s helpful to understand how chattel lending differs from manufactured home financing that includes land — and how each may impact long-term ownership.
Chattel lending is typically used when a home is not permanently attached to land. In these cases, the home is treated as personal property, similar to a vehicle or RV. This option is often used for homes placed on leased land and can offer flexibility, but resale may require moving the home or selling it separately from the land.
Manufactured home financing with land treats the home and land as a single real estate purchase. When a home is permanently affixed to owned land, financing more closely resembles a traditional mortgage and is often better suited for long-term ownership.
Choosing the Right Option
Both financing paths serve different needs, but buyers focused on long-term roots, resale simplicity, and ownership continuity often find that manufactured home financing with land aligns better with their goals.
Understanding the difference early helps ensure the financing structure supports not just today’s
purchase — but tomorrow’s plans.
CONSTRUCTION-TO-PERMANENT
Financing for your Home
Our Construction-to-Permanent financing is able to provide financing for both the purchase of your lot and construction of your home on that lot. On the other hand, if you already own a lot, this program can be used to finance construction costs. Additionally, if you have an existing mortgage on the lot which you are paying on already, you may be able to roll it in with the Construction-to-Permanent financing from Stockton.
Confidence
Know that the financing for your home is approved before you begin.
Efficiency
With only one loan qualification and one closing you save both time and money.
Ease
Take up to 9 months for the construction of your home, and during construction the interest only payments are paid out of an escrow account funded by loan proceeds.
Customizable
Include lot financing or build on your own lot. Choose a fixed rate loan type based on eligibility, as your permanent financing.
Start Your Journey to Homeownership
Unlock the door to your new home with guidance every step of the way. Fill out the form to speak with a licensed mortgage loan originator. We're excited to help you make informed decisions about your home financing options.
This is not a commitment to lend. By clicking 'Submit,' you agree that Stockton Mortgage and its employees may call or text you, including through automated means, at the number provided. You understand that you are not required to consent as a condition of qualifying for a loan.