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I've never looked at owning a Mobile Home, but I found that they are so much more affordable than site-built houses.  Debbie and Bob were very helpful and were there every step of the way.  I am now the proud owner of a new home and couldn't be happier.  R. & A. McNamee

My husband and I have been renting an apartment for 6 years.  Our family is growing and it was time to buy our own home.  Since it was our first, we had a ton of questions, Ken and the team at Gold Coast were very patient and answered all of them.  We love our new home.  Y. & C. Maness

We listed our home with Debbie and Ken and within 2 weeks we had 2 offers.  Our home sold and the process was very quick and painless.  T. & J. Simonton

I like the fact that when I call, I get to talk to a real person, or they return my call very quickly.  Usually though, they call me first.  J. & G. Nicholls

I found my dream home.  I've been looking for 4 years and finally found it.  Everyone at Gold Coast was extremely helpful.  M. Washington


Financing Issues
We Are Here To Help You Secure a Loan

If you would like to receive pre-qualification on a home loan, please click on the Loan Application button, print the application, complete the application, and either fax it to our finance office at 951-684-3318, or contact Ken @ 951-684-4491.  It's fast, it's easy, it's secure.  Thank you.

Some Loan Guidelines

Factory-built homes are one of the most affordable types of housing - generally priced at about half the cost of new site-built homes.  

  • Gold Coast can offer loans with 5% down to qualified buyers.

  • Length of loans can vary from 5 years to 30 years based on loan amount and age of home.
         New homes = 25-30 year terms
         Used homes = 5-20 year terms

  • Gold Coast does have loans available for homes as old as 1968.
         (shorter terms, larger down payments, higher rates will apply)

  • Credit Scores below  600 are considered on a case by case basis.

  • Maximum DTI (Debt to Income Ratio) = 50%.

  • Minimum down payment required for a primary residence is 5 - 10%.
         (depending on credit worthiness).

  • Minimum down payment required on 2nd home (Vacation or Investment) = 20%.

  • Equity Programs available for applicants scoring less than 620. Minimum 35-40% down payment required.

Personal property loan ("chattel" loan): A factory-built home purchased separately from its lot is financed as personal property.  These loans, similar to those made on cars, boats and other major purchases, are a popular way to finance factory-built homes in communities or on rented or leased property. Interest rates are usually 2 to 3 percentage points higher than those for site-built homes. It is generally easier to get approval for this type of loan because it allows for a higher debt-to-income ratio.

 Things you’ll need to consider:

  • The down payment
  • Interest rates
  • Length of loan term
  • Loan qualification requirements
  • Age of home

Interest Rates will vary depending on:

  • Age of home
  • Equity
  • Credit Scores
  • Single Wide
  • Double Wide
  • or if land is involved.

Gold Coast Mobile Home Sales is not a Lender.
Information is subject to change without notice.