Manufactured Home Investor Loans | Trophy Point Lending

From dealer payment to your final draw

We pay your dealer directly

We pay the dealer, including deposits before the home is set. You can plan the home purchase around direct lender payments rather than advancing the purchase out of pocket.

Coverage from set to sale

Our own insurance program covers your home from set to sale. Work with one team for financing and coverage, usually for less than shopping for insurance yourself.

24 to 48-hour draws

Draws are funded in 24 to 48 hours, at $150 per draw. Build that timing and cost into your project budget.

Your financing questions, answered

What do you finance?

The lot, a new manufactured home and all the site work in one loan. We also finance flips of existing manufactured homes on their own land.

How much do I need to bring?

As little as 20% down on the lot for experienced investors. We fund 100% of the approved home and site work budget.

Who pays the dealer?

We do, directly, including the deposits before the home is set.

Can you insure it?

Yes. Our own insurance program covers the home from set to sale, usually for less than shopping it yourself.

How fast are draws?

24 to 48 hours, $150 per draw.

What homes qualify?

Multi-section (double-wide or larger) HUD-code homes on land you own, on a permanent foundation. No single-wides, parks or leased land.

Who is it for?

Investors with prior flip experience and a 700+ credit score.

One loan for your lot, home and site work