Find the financing conversation that fits your home.

Begin with the property

Financing may take the form of a real-estate mortgage or a home-only personal-property loan. The land arrangement and title classification matter. A manufacturer, seller or website cannot establish your approval simply by identifying the home as manufactured.

What to bring to an initial conversation

• The listing link or address and the asking price.
• Whether land is included, owned separately or leased.
• The year, manufacturer, size and any known relocation history.
• Your intended use and approximate purchase timeline.
• Your questions about available funds, payments and next steps.

Compare written offers

For mortgage offers, compare the loan amount, rate, term, lender charges, cash to close and full monthly payment on the Loan Estimate. Ask which taxes, insurance or assessments are outside that payment. Compare equivalent scenarios, not just headline rates.

Ask Erik

Use the short inquiry form for general questions. Do not send Social Security numbers, bank statements or identity documents through it. If you decide to apply, use the secure application reached from Erik’s official Patriot Home Mortgage profile. Program availability and property eligibility require individual review.