State Bank of Southern Utah
Janiece Seeley
Our local lender. Finances land, home and site work in Utah and Arizona, with offices inside our sales area.
Financing
Most banks do not understand manufactured home loans. We know who does.
Walk into a branch with a plan for a manufactured or modular home and a lot of loan officers will not know what to do with the application. That is not a reflection on you or the home, it is just a different kind of loan than the one most banks write every day. We have spent thirty years pointing customers at lenders who write these loans regularly, and we keep the same five relationships because they keep closing them.
We cannot quote you a rate, a payment or an approval timeline here, none of that is published and it changes lender to lender and week to week. What we can do is tell you which of the five routes below tends to fit which situation, so you walk into that first phone call already speaking the right language.
Five routes, not one
The lenders we actually send people to
Each of these five has closed manufactured or modular home loans for our customers before. Talk to us first and we will tell you which route usually fits a situation like yours.
America First Credit Union
Daniel Foerster
Land and home loans in Utah, with as low as 5% down.
Premier Mortgage
Kyle Torgerson, Cedar City, UT
VA loans, land plus home packages, construction loans and manufactured housing.
21st Mortgage Corporation
Finances all credit scores. Will finance home-only on park or rented land, or land and home with site work. Our dealer number 1977-1 needs to be on the application.
1st Tribal Lending
For Native American buyers. The 1st Tribal team has closed thousands of HUD Section 184 loans across the country.
Which route fits
Land and home, or home only, points you different directions
Buying land and building the site, too
If you are financing the land, the pad, the water, the power and the home as one package, State Bank of Southern Utah and Premier Mortgage both write that combination locally, and 21st Mortgage will also finance land and home with site work included. This is the most common route for customers who are starting from bare ground.
Home only, on rented or park land
If the home is going on land you rent or a lot in a park rather than land you own outright, 21st Mortgage Corporation finances home-only loans across all credit scores. Their dealer number, 1977-1, has to be on the application, and we put it there for you when we help you apply.
Buying for the first time, or with limited down payment
America First Credit Union writes land and home loans in Utah with as low as 5% down, which is the route we usually mention first to customers who are buying their first home and do not want to wait to save a large down payment.
Native American buyers
1st Tribal Lending handles HUD Section 184 loans, a federal program built specifically for Native American and Alaska Native buyers. Their team has closed thousands of these loans across the country, and it is worth asking about even if you already have a bank relationship elsewhere.
VA loans and construction loans run through Premier Mortgage in Cedar City. If none of these categories sound quite right, tell us your situation and we will point you at whichever of the five actually fits.
Want a feel for the number first
See what is actually on the lot before you call a lender
We do not publish rates or payments, but we do publish real prices on real inventory. Walk the current lineup so you know roughly what range you are financing before you sit down with any of the five lenders above.
See homes and pricesDealer number 1977-1
If you go the 21st Mortgage route, that number has to be on your application. It is the kind of detail that quietly costs people a fortnight, so we put it in front of you rather than in a drawer.
Free estimates and quotes
Tell us your situation, we will point you at the right lender
Land you own, land you are buying, or a lot you are renting, the route changes. Call the lot or send us the details and we will tell you which of the five fits.
1875 S Hwy 89A, Kanab, UT 84741 · Mon-Fri 9am-5pm, Saturday 10am to 2pm