Start your application.

Before you start — have these 3 things ready
💵
Proof of Income
If you're a W2 employee: most recent (2 or 4) pay stubs. If you're self-employed: most recent (2) years of tax returns. If you receive Social Security or similar: most recent benefit verification statements — depending on your income type.
🪪
Photo ID
Driver's license or government-issued photo identification
💳
Credit or Debit Card
To order your soft credit report — a separate step after your application is submitted

Follow these steps

Four steps from start to pre-qualification. We'll walk you through each one.

1

Click Apply Now (purple button at bottom of page) and you'll be taken to our secure application portal. Create a login with your email and a password — this is how you'll access your application and track its progress going forward.

🔒 Bank-level encryption — your information is secure
2

You'll fill out a standard mortgage application covering your personal information, employment, income, and the manufactured home you're looking to finance. Take your time — you can save your progress and come back if needed.

⏱ Plan for about 30–40 minutes with your documents in front of you
3

Once your application is submitted, a secure document portal will be created for you. You'll see a list of documents — don't let it overwhelm you. Despite what the portal shows, only two things are required at this stage: proof of income and a copy of your photo ID.

📋  You'll also receive an email confirming that only proof of income and your photo ID are needed to move forward.
4

After submitting your application you'll receive an email with a link to order your credit report through our credit partner. This is a soft pull only — it does not affect your credit score. There is a cost involved which is paid directly to the credit reporting service.

⚠️  Important: This credit report link arrives via email after you've submitted your application — it is completely separate from the application itself.

Ready to apply?

You'll be taken to our secure application portal. Have your documents ready and plan for 30–40 minutes.

⏱Time to complete30–40 min
📊Credit impactSoft pull
💳Credit report feePaid after application submission
📄Documents neededIncome + Photo ID
Apply Now →

You'll create a secure account on our application portal. Your information is encrypted and never shared without your consent.

Prefer to talk first?

We're happy to answer questions, walk you through the process, or just talk through your situation before you apply. No pressure.

📞 Call (586) 894-8585
Mon–Fri 9am–5pm ET  ·  We answer every call.
Quick answers
No. We use a soft credit pull only — no impact on your credit score. You'll order it separately via email after submitting your application. The cost is $27 paid directly to the credit reporting service.
Yes. Once you've created your account, your progress saves automatically. Log back in at any time to pick up where you left off.
Once your application and documents are received we'll review everything and reach out — typically within 1–2 business days. We'll walk you through what you qualify for in plain English.
Absolutely. Call us at (586) 894-8585, Mon–Fri 9am–5pm ET. We're happy to walk you through the process, answer any questions, or just talk through your situation before you start.