Mobile Home Loan

Santa Cruz Community Credit Union believes affordable housing should be a right, not a privilege. We provide opportunities to increase homeownership for Santa Cruz County and northern Monterey County residents.

SCCCU offers low-rate mobile home loans. We create partnerships with programs that provide down payment assistance and create more affordable financing. Our goal is to provide a solution that is beneficial not only today, but for the life of your loan.

The Basics
  • Competitive rates
  • Local decision-making
  • Loans from $20,000 to $250,000
  • First time homebuyer program for manufactured homes
  • Lower interest rates
  • Loans up to $325,000*
  • Down payment assistance
  • Available if you have not owned real estate in last 3 years
  • Pre-approval available for better buying power
  • No pre-payment penalty
  • Customized personal service at every step
  • Mobile Home Refinance available

All residents of Santa Cruz County and northern Monterey County may apply for a loan from Santa Cruz Community Credit Union.

Santa Cruz Community Credit Union partners with South County Housing Corporation and Santa Cruz County. We utilize the CalHome Down Payment Assistance Program for first time homebuyers.

*Based on 70% loan-to-value ratio (LTV).