Chattel Loans

Secure a personal property loan for a manufactured home that is not permanently affixed to the real estate.

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What are Chattel Loans?

Chattel Loans are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to the real estate. Chattel loans are usually used for home in manufactured home communities. Down payment requirements can be as low as 5%. Terms for these loans are usually capped at 20 years. The interest rates are typically 3-4% higher than the traditional mortgage loan.

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We Are CountryPlace Mortgage

CountryPlace Mortgage is the nation's premier lender for manufactured, modular, and mobile homes. We offer a one-time close construction loan for new homes. We make financing or refinancing your home simple and easy. If you own a manufactured or mobile home, or are thinking about purchasing a new or existing home, Countryplace Mortgage should be your lender of choice. We can finance your manufactured or mobile home whether it's tied to the land or in a mobile home park.

Founded in 1995, Countryplace Mortgage is a direct lender with both Fannie Mae and FHA. That means that we can offer you the most competitive rates, with down payments as low as 3.5%. When financing a manufactured, mobile, or modular home, it is important that you are working with a mortgage professional that understands these unique properties. Whether it's a chattel (home-only), land/home package, or construction loan we have the expertise to help you navigate today's challenging mortgage process. Many of our Loan Officers have several years experience originating manufactured and mobile home loans.