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Manufactured Home Communities

Manufactured Home Community financing handbook

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Wells Fargo specializes in financing Manufactured Home Communities ("MHC"), offering various flexible lending programs to meet your needs. Our experience and dedication to this industry has made Wells Fargo a nationwide leader in MHC financing for more than 15 years.

Our products and services include:

  • Loan programs: Freddie Mac Multifamily, balance sheet, CMBS lending, correspondent lending.
  • Flexible terms: Typically 3- to 10-year terms, floating- or fixed-rate, with longer maturities available.
  • Amortization: Typically 30-year schedules. Interest-only available on a case-by-case basis.
  • Loan to value: Up to 80% for acquisitions; 75% for cash-out refinances.
  • Interest rates: Floating and fixed interest rates set at competitive spreads. Early rate lock typically available on fixed-rate loans.
  • Liability: Typically non-recourse to borrower, except for the standard carve-outs.
  • Closing process: Typically within 45 to 60 days from receipt of a complete loan application from borrower.

For more information on how Wells Fargo can help you finance manufactured home communities, contact one of our specialists, or contact us.