Kerman Mobile Homes, Inc. Goshen Sales Center

08/26/2026

HELOCS 4 PARKS!

For many mobile and manufactured homeowners, building equity has not always meant having easy access to that equity. Homeowners in mobile home parks and manufactured home communities often face a financing gap when their home is located on leased land or rented space rather than owned real estate.

Sonoma Federal Credit Union is helping close that gap with a pilot Mobile Home Equity Line of Credit, for eligible mobile and manufactured homes in California parks and communities where residents don’t own the land their home sits on. This service is designed to help qualified homeowners access the value they have built in their homes without selling; which is historically the only option for accessing that built up home equity.

Available as a California Pilot Program
For now, this mobile and manufactured home equity line of credit is being piloted only in California. It is intended for qualified homeowners in eligible mobile home parks and manufactured home communities where the homeowner pays monthly space rent.

Eligibility depends on the home, the park or community, the lease or rental agreement, credit profile, income, debts, monthly space rent, insurance, and valuation of the home. While not every park, community, or home will qualify, Sonoma Federal Credit Union reviews each application individually.

Homeowners in parks can learn more directly from Sonoma Federal Credit Union’s page:

A Mobile Home Equity Line of Credit from Sonoma Federal Credit Union allows you to turn your equity into a flexible, reusable source of funds. Whether you’re planning improvements, consolidating debt, or preparing for unexpected expenses, your home can help power what comes next.

08/11/2026

🏡 One of our most popular floor plans — the KM-4564B!

This 4-bedroom, 2-bath home offers 1,493 sq. ft. and is part of our Kerman Mobile Homes Signature Series, featuring up to $12,000 in included upgrade savings.*

Signature Series upgrades include exterior elevation enhancements, higher roof pitch, exterior dormers, lap-siding accents, upgraded kitchen features, glamour bath upgrades and more.

DISPLAY MODEL: KM 4564M
COLOR: Navy Blue & White
SERIAL #: 7599

📍 ON DISPLAY NOW AT OUR VISALIA SALES CENTER

Give us a call to schedule a tour!

(First exterior image is a conceptual/generated image for illustration purposes, although the 🌴🌴's do look similar..Second image shows the actual display home)

08/04/2026

🏡 Thinking about buying a manufactured home—but not sure what you qualify for?

You’re definitely not alone! Financing can feel confusing, but this quick video helps explain what lenders typically look at and gives you a better idea of where to start. 💰✅

🎥 Watch here:
https://youtu.be/HMvgUIvacPo

Then come see us at Kerman Mobile Homes! We’ll help you explore your options, find the right home, and guide you through the process from beginning to end—without leaving you to figure everything out alone. 🙌

📞 559-651-0700

Your new home may be closer than you think! 🏠✨

Santiago Financial, Inc. is the leader in manufactured home loans a...

06/04/2026

https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB996

(May 26, 2026)

SACRAMENTO – Today, the California State Senate approved Senate Bill 996 by Senator Steve Padilla (D-San Diego). The bill would allow manufactured homeowners to title their homes as real property, allowing access to more favorable financing options and opportunities to build generational wealth.

Manufactured homes are a low-cost, but underutilized, form of housing; however, finding affordable financing options for these homes has historically been challenging. Under current California law, a manufactured home can only be classified as real property for tax purposes when it is affixed on a permanent foundation. Instead, homeowners are required to title their homes as personal property, similar to an RV or car.

According to research by the Pew Charitable Trusts, inability to classify their homes as real property causes many manufactured-home borrowers to rely on high-risk contract financing with very high interest rates and limits access to other real property benefits. For example, high-cost loans available for personal property have interest rates anywhere from 8-12% while conventional mortgage financing rates are around 5-7%.

Analysis by the Pew Charitable Trusts shows that a “$100,000 mortgage will save a typical borrower roughly $49,000, compared with home-only financing, over the life of the loan.” This is a significant saving for California families and could move the needle on making homeownership a more realistic dream for all.

“Expanding access to homeownership is a vital step in supporting affordability and wealth building for working class households,” said Senator Padilla. “Manufactured homes are a part of this solution, but currently a legal technicality has made affordable financing on manufactured homes unnecessarily difficult and expensive, effectively creating a tax on working families. We need to align our policies to make owning a manufactured home more affordable for Californians.”

SB 996 would create an opt-in process allowing homeowners to title their home as real property. This bill is a meaningful step toward ensuring that the millions of Californians who plant roots in manufactured homes have access to the same financial tools and options as any other homeowner.

SB 996 is supported by a broad coalition of housing and community advocates and is sponsored by Neighborhood Partnership Housing Services and Resident Owned Communities USA.

"Since 1980, California has taxed Manufactured Homes, also called ‘mobilehomes’ as they do all other real-property homes. But on paper, we've "titled" the home as personal property, rather than real property, which means legally, these folks aren't recognized as homeowners because they do not own the land under their home” said Clemente Mojica, President and CEO of NPHS. “SB 996 expands safe, strong, and fair financing options for all of California's manufactured homeowners."

SB 996 passed the Senate on a vote of 37-0. The bill now heads to the Assembly.

05/05/2026

"Today’s manufactured homes showcase award-winning designs and leading-edge energy efficiency, all while offering high-value affordable solutions to prospective homebuyers nationwide. If you’re in the market for an outstanding home, you’re in the market for a manufactured home."

Follow the link to learn why...

Manufactured and mobile homes for sale from Champion feature high-level quality and craftsmanship at an affordable price for homebuyers.

05/04/2026

https://www.youtube.com/watch?v=CKla6Tr6dZg

Take a tour of the Creekside Manor 4603D.

3bd/2ba 26'8 x 57'/60' 1560 sq/ft.

175 likes, 5 comments. "Napa Estates CM-4603D - Manufactured Home by Redman Homes"

04/21/2026

🏡 Buying your first home comes with a lot of questions—but you don’t have to figure it out alone.

If you’ve been considering a manufactured or mobile home, our latest blog breaks down what first-time buyers should know—from affordability to what to expect during the process.

It’s a great place to start if you’re exploring your options and want to feel more confident moving forward.

Read more here: https://www.21stmortgage.com/web/21stdigest.nsf/blog/mobile-and-manufactured-homes-for-first-time-buyers.htm



21st Mortgage does not discriminate on the basis of race, color, religion, s*x, disability, familial status, national origin, or any other prohibited basis.

04/06/2026

Manufactured homes have long been cast as the lesser version of the American housing dream: cheaper to buy and rarely seen as wealth-building assets.

But that stereotype misses the fact that these homes can generate substantial equity—just not on equal terms, new research from Realtor.com® finds.

Between 2019 and 2026, manufactured homes sold with land appreciated 70.1%, outpacing the 58.6% gain for single-family homes, according to the report. Manufactured homes sold without land appreciated, too, though less sharply, at 51.6%.

Follow the link below for more information...

https://www.realtor.com/news/trends/mobile-homes-affordability-report-march-2026/

New data shows mobile homes can build equity, especially with land. One family’s story shows why the payoff is more conditional.