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Consumer Financing Loan Process

Triad Financial Services, a mobile and manufactured home finance company, makes your dream home purchase a breeze with our easy to navigate loan process. You can trust us to finance your new manufactured home, offering affordable monthly payments (use our mortgage calculator for mobile home) that won't strain your budget. In today's economy, financing is available, and as the industry's oldest and most trusted lender, Triad is here to assist you. Let us go to work for you and see your dreams of homeownership become a reality.

Check out our short video to learn more about the steps involved with our loan process!

Learn About the Purchase/Loan Process

Scroll over the cards below to read more about each step of the process

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PREPARE
Determine your budget, save for your down payment, and review your credit score
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FIND YOUR MANUFACTURED HOME
Visit your manufactured home retailer or community retailer to pick out your home.
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APPLICATION
Apply for your loan. Be prepared to provide a number of documents that will aid in the review of your Application
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DOCUMENTATION & CONDITIONS
You'll provide documents that prove income, employment, residency, identity. All of these documents help your processor to assess your application.
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LOAN ORIGINATION & UNDERWRITING
Once your loan processor advises you of your approval you will lock in your rate, continue through origination, underwriting, and prepare for your closing.
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CREDIT REPORT & SCORES
Here at Triad, we utilize your credit score to help determine loan program eligibility.  If you have been able to pay off debts or correct an error on your credit report and believe that your credit score has improved since your initial approval, you can request a one-time repull of your credit report and a reevaluation of your loan approval. An increase in your credit score may allow you to secure more favorable loan terms. Keep in mind that there is no guarantee that your credit score will increase, and it is possible it may decrease, so carefully weigh your options before requesting a credit repull.  For additional information on the rescoring process, please contact your loan originator.
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CLOSING DOCUMENTS
You're almost there! During this phase you'll sign your closing documents, pay closing costs (if any), and your title will be completed.
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FUNDS DISTRIBUTION
Loan funds will be distributed to appropriate parties.
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