Specializing in Mobile & Manufactured Home Financing Since 1988

  • U.S. Financial Network, Inc. is the premier manufactured and mobile home mortgage company on the West Coast, focusing solely on finance programs for purchasing or refinancing such homes in California. Our specialization grants us access to unique lenders, enabling reduced down payments, monthly payments, and rates for you.

What Makes Us The Best

  • Experience

    Through decades of industry experience we have built a loan process that does not depend on AI or machine learning. Rest assured, our award winning staff will evaluate your application, not a machine. It’s loan processing done by people, for people.

  • Optimization

    From application to funding, we iteratively improve all our processes, keeping the best of the old and integrating the best of the new, optimizing for speed, efficiency and fairness.

  • Specialization

    By focusing exclusively on California, we’ve assembled a network of lenders and programs tailored to customers in every part of the state. This means lower down payments, lower monthly payments, and lower rates for you.

LoaN Programs For Every Situation

Beginning in 1988, our goal has been to find quality investors with interest in developing loan programs for virtually every facet of our business. We have programs to assist with financing in rental/lease parks, financing homes on private land, land/home combinations, condominium parks, and planned unit developments. Click on the categories to see an expanded summary of our most popular programs for the entire state of California, or contact us for even more options.

  • ✦ Pre-HUD as little as 5% Down ✦

    Home Only Rental/Lease Parks

    HUD and Pre-HUD Homes

    Single and Multi-section

    Second/Vacation Homes

    Investment Properties

    “Buy For” Program

    5% Down on Newer Homes

  • In-Park Loans

    Purchase & Refinance

    HUD & Pre-HUD Homes

    Park Models

    Single & Multiwide “Buy For” Program

  • Condominium Parks

    Land & Home Combinations

    Noncomforming

    PUDS

    Pre-HUD Homes OK

    Singlewide OK

    Buy For Program

    Permanent Foundation Not Required

  • Rate and Term Refinance

    Debt Consolidation Refinance

    Cash Out Programs

    Cash For Repairs

    Cash To Pay Bills

    Lower Payments

  • In addition to our many loan programs listed above, we have new options available for Orange County. Looking to purchase a mobile or manufactured home in Orange County? Need money to repair your home, cash to pay bills, or just want lower monthly payments? Call us today for information on our latest financing program created exclusively for Orange County, CA. Whether you are purchasing a home or looking to refinance, our new program is designed to save you money. Call U.S. Financial today for more information, or click below to apply online!

  • From the very beginning, my experience with U.S. Financial was smooth and easy. This was my first mortgage and I felt very ignorant with some of my questions. They assured me I was not, and answered my questions in terms I could understand. Super helpful, professional and made this process easy. I would recommend the company in a heartbeat!

    Sharon Viets

  • I have worked with U.S. Financial Network for the past twenty years. They go out of their way to take excellent care of their customers that are purchasing or refinancing a Manufactured Home. Joe, Doug, Cheryl, Robert, John, and Danielle are all great to work with. My go to person is Cheryl who goes the extra mile to help in anyway she can.

    Shela Holley

  • Thank you Robert Quinn and John Bohrer, and the whole U.S. Financial Network team for the outstanding services you provided to me on my very chaotic journey. Because of repairs and other issues I was forced to call it quits on two homes, but you supported me through it all, providing all the necessary updated documentation for all three houses, on time and in an absolutely flawless professional manner. Your patience helped me fulfill my dream of buying a new home and brought to life the saying “third time is a charm”! You are truly the best folks! I don't know how you did it, but magically you also succeeded to get me a better rate than estimated, and subsequently a lower monthly payment!

    Artur Larion

  • We have been doing business with U.S. Financial Network for over 5 years. We as brokers find their service to be exceptional and find their experience in the mobile home lending business to be very good. They do try and find ways to make a loan happen. We are very happy in using them for our mobile home loans.

    Don Baker

  • I’m a realtor in the Santa Cruz area and a big chunk of my clients are first time home owners, Spanish speaking. I’ve looked high and low, Murphy Bank or Bay Federal and this broker has the best rates and low downs for Pre-HUD homes or new mobiles, leased land. The team there is tight, they are family-owned and I’ve enjoyed working with the staff, as well as their president Joe Tobey who speaks Spanish. Overall I always recommend U.S. Financial Network because I know they will try their hardest to make things work for my clients and run different situations so my client has options.

    LC Kelly

  • First time buying a home and I honestly could not be any happier. Working with Johana Moreno at US. Financial has been an absolute pleasure! She is very professional, super nice, and made the process fast and easy! I will definitely be recommending U.S. Financial Network to friends and family.

    Jessica Lopez-Davis

  • My husband and I were searching for a mobile or modular home and the experience was a bit different from buying a condo or home. Danielle Hoskin at U.S. Financial was very prompt and very professional! We ultimately found the perfect place and I could tell that she and others in the company worked as fast as possible and kept us informed along the way. I recommend the company very highly. Thank you U.S. Financial team!

    Jeanie Shelton

  • The staff was very professional, attentive, and very quick getting back to me. The paperwork was processed quickly. Even after I had decided not to follow through with the purchase due to unforeseen circumstances, they were very understanding. The owner was very kind as well. Our initial conversation was friendly and he understood exactly what it was that I was looking for. Very kind people. 5 stars!

    Stefani Ramirez

  • I had three buyers writing offers on unique homes in different parks and with different financial needs. Within a few hours I had a very pleasant conversation with the owner Joseph. The quick and very professional service allowed me to write all three offers which were all accepted! All members of their team—application, appraisal, and loan processing—have been so responsive and on detail. I wish that I had found these folks earlier in my Real estate career! I happily refer them to all and look forward to working with them whenever I can!

    Rhonda Obert

  • First time buying a home, and honestly couldn't be happier with the help U.S. Financial gave me. Johana Moreno was the biggest help, even with changing the loan amounts a few times to see what payment would be best for me (sorry about that Johana)! Also, I shopped around and they found me the lowest interest rate! I highly recommend!

    Victor Orejel

  • Danielle Hoskin at US Financial Network was amazing. This was a very difficult transaction and loan, but Danielle continued to answer my calls, emails, and texts. I have been a Realtor for over 40 years, and I wish everyone was half as professional as they were, it would make all our transactions easier.

    Beverly Bower

  • John and Robert at U.S. Financial are fantastic and were there to help with everything and anything I needed. Jeanette was also very attentive and helpful, even when I called just minutes before closing. Thanks to them, I’m writing this from the comfort of my new home! I highly, highly recommend this company to anyone who is looking for a mobile home. You will not be disappointed.

    Oscar Echevarria

  • U.S. Financial is my go-to for my clients. I have been working with them 10+ years. Mobile home financing isn’t easy and there are few companies that have the experience that this company has. Doug, Cheryl, and John have helped me on several occasions fix a deal and close escrow. I recommend them to realtors and private buyers as well. Cheryl is usually the one who helps me and she is awesome.

    Valerie Acevez

  • U.S. Financial Network is dedicated to helping their clients find the right loan for their manufactured home. I most often work with John, Robert, and Danielle, and they are experts when it comes to this special type of financing. Do yourself a favor and make sure you give them a call when you are looking to purchase or refinance your manufactured home.

    Mike Guerrero

  • From the very beginning they over delivered on what was promised, so grateful that they were able to take my friends from a place of nerves to a place of celebration. I will continue to refer any client I know with a mobile home/manufactured need to U.S. Financial. Truly a great experience.

    Danny Herrera

  • Danielle Hoskin at U.S. Financial Network is amazing! Always prompt and replies even after hours...not what I expected...wow! She made the whole process smooth. Thank you!

    Thong Thao

  • Thank you U.S. Financial for your help! A big thanks to Johana Moreno for being very responsive and transparent throughout the whole process. She set the expectations and answered all questions within a timely manner. Thank you Johana!

    Gabriel Rodriguez

  • U.S. Financial was a true blessing. Robert Quinn, Cheryl and John were truly great. If you’re looking to finance a mobile home, make them your first call. From pre-qualification through loan funding, you will be doing yourself a favor. I was blessed to have them work for me.

    Mike Alexander

  • Love U.S. Financial - Cheryl, Danielle, Robert, and John are always friendly, professional and timely. Great job team US Financial!

    Margie Bogart

  • My experience with U.S. Financial has been very positive. The people are very nice, and responsive even during COVID. They have networks to lenders that others don't have.

    Ivan Tani

We Prequalify

No Upfront Application Fee

Fast Approval & Funding

We Take Credit Applications

Licensed Broker Inquires Welcomed

Ready to Apply?

Click below to start the application process in English or Spanish, and let our team get started on your loan today! If you have more questions, reach out and someone from our staff will be in touch.