u/swiftreader20

For context, we are in CA and all applicants have 700+ credit scores with enough income to pay the loan. We applied with US Financial Network and First Pacific Loans. Seems like they both used 21st mortgage. The picture came from US Financial Network, but today I got an approval from First Pacific with a 9.49 rate for a $270,000 purchase price.

Anyone else in CA have experience with 21st mortgage or think I should explore another lender? I’ve seen Triad Financial Services also does chattel loans. I know chattel loan have higher rates, but anyone have success with negotiating to bring the rate down?

Thanks!

*Edit: this is for a home on leased land in a community park!