Specialized financing for pre-HUD mobile homes built before June 15, 1976. Separate from manufactured home loans, with chattel programs and park or land-home options.
Susanne Bell, Loan Consultant
Empire Home Loans
Phone: (916) 802-8917
Email: [email protected]
NMLS# 2534795
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Specialized financing for pre-HUD mobile homes built before June 15, 1976. Separate from manufactured home loans, with chattel programs and park or land-home options.
LOAN PROGRAMS
Pre-HUD 1976 Units
Specialized financing for mobile homes built before June 15, 1976. These units are classified separately from HUD-code manufactured homes and are processed as personal-property loans, not standard real-estate mortgages.
Before June 15, 1976, factory-built homes were not constructed to HUD code. Those units are legally mobile homes. They do not carry a HUD certification label, and adding a foundation or converting the title does not make them eligible for FHA, VA, USDA, or conventional manufactured-home programs.
We place these files with personal-property (chattel) programs that underwrite the unit, park or land placement, remaining useful life, and title through HCD or DMV. Terms, rates, and down payments differ from a site-built or HUD-code mortgage — and the intake fields below are what let us process the right product.
Built before June 15, 1976. No HUD label. Processed as chattel.
Built on or after June 15, 1976? Use the Manufactured Home loan program .
*Chattel terms, remaining useful life, and park overlays apply. This is not a commitment to lend.
These fields confirm the unit is pre-HUD and tell us whether we are processing a park, leased-land, or land-home chattel loan.
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