Cascade Financial Services

Cascade Financial Services: mortgage financing for manufactured homes

Cascade Financial Services is an entity dedicated to extending credit in the form of home loans, with a focus on the manufactured, mobile, and modular housing segment. Its activity is aimed at facilitating the purchase and refinancing of this type of housing in the United States, with programs tailored to the particularities of these properties.

Loan products and programs

The company's offering includes loans for the purchase of manufactured and modular homes, as well as refinancing options. Among the available programs are those backed by the FHA, VA loans for veterans, and the mobile home modality known as chattel, which finances the home without including the land. The company also offers flexible construction programs and home-only loans.

Application process and support

The process begins with a request for a quote or loan estimate, which according to the company usually takes about 30 minutes. Subsequently, the client selects the home and the program that best suits their needs with the help of manufactured home specialists. Finally, Cascade coordinates with dealers, inspectors, foundation experts, and title providers to approve the loan and deliver the home.

Profile and track record

Founded in 1999, Cascade Financial Services presents itself as one of the most reliable lenders in the manufactured home financing sector. The company highlights its in-house underwriting performed by specialists with experience in this type of housing and its commitment to the manufactured home owners community, which extends for more than twenty years. It holds an A+ rating from the Better Business Bureau (BBB), according to its own information.

Coverage and legal structure

The company operates throughout the United States, although its website clarifies that it is not authorized by the New York State Department of Financial Services and that loan applications for properties located in that state cannot be processed through the website. Cascade Financial Services is a trade name of Southwest Stage Funding, LLC, and operates as Cascade Land Home Financing in Washington, Oregon, Pennsylvania, and Delaware. It is licensed by the California Department of Financial Protection and Innovation under that state's Residential Mortgage Lending Act.

Services for existing customers

For current borrowers, the company offers service channels to make payments, inquire about service transfers, obtain tax documents, and manage escrow payments for taxes and insurance. The site indicates that annual tax documents are available on the website before January 31 of each year and that, if the interest paid exceeds $600, Form 1098 is sent by mail.

Location and contact

2290 E. Yeager Drive, Suite #250, Chandler, AZ 85286 · Phone: (480) 539-5230