About Compadre Mortgage
Compadre Mortgage is a California-focused mortgage platform built to serve both traditional residential buyers and manufactured home owners—without the confusion, limitations, or one-size-fits-all lending approach common in the industry.
We offer one of the most comprehensive manufactured and mobile home loan platforms in California, including in-park chattel loans, land-owned homes, condominium-style parks, cooperatives, and specialty scenarios. Our programs support purchase, refinance, renovation, and construction, along with a full range of conventional residential mortgage options.
Founded by experienced real estate, mortgage, and systems professionals, Compadre Mortgage was designed to combine modern digital efficiency with personal, knowledgeable guidance. We believe broker-based lending creates the most transparent, competitive environment for financing real estate, especially when properties fall outside the “easy box” many lenders rely on.
Our loan products are underwritten in-house first, allowing for greater pricing control, clearer options, and the flexibility needed to handle complex properties and borrower scenarios. Every loan includes a no-fee option, giving buyers and homeowners a clearer view of their true costs and choices from the start.
Based in North San Diego County, we proudly serve clients throughout California. Whether working directly with our team or through one of our trusted industry partners, your experience matters. By integrating the real estate and financing process when appropriate, we help streamline transactions, saving time, reducing friction, and improving outcomes.
Technology plays a central role in how we operate, offering clients secure digital access to documents, updates, and milestones. Just as important, experience allows us to communicate clearly, educate effectively, and guide clients with confidence at every step.
Compadre Mortgage is backed by a long-standing commitment to real estate and affordable factory-built housing in California.
Compadre Mortgage is an affiliate of Compadre Brokers and Compadre Manufactured Homes and operates as a DBA of MH Services Corporation (NMLS 296451).
Rory Manning is a California Real Estate Broker (DRE 01959728) and Licensed Mortgage Originator (NMLS DFPI 1007484) with thousands of closed manufactured home and residential loan transactions.
Frequently Asked Questions
What types of loans does Compadre Mortgage specialize in?
Compadre Mortgage specializes in both manufactured and traditional residential home loans in California. This includes financing for land-owned manufactured homes, select communities, and standard single-family residences, along with purchase, refinance, renovation, and construction loan options.
Do you only offer manufactured home loans?
No. While manufactured homes are a core specialty, Compadre Mortgage is a full-service residential mortgage provider, offering a wide range of conventional and government-backed loan programs for many types of properties and borrower scenarios.
How is Compadre Mortgage different from a bank or retail lender?
We operate using a broker-based lending model, which allows for greater transparency, competitive pricing, and access to multiple loan programs rather than a single in-house product menu. This approach is especially valuable for properties or situations that don’t fit a narrow lending box.
Do you work with real estate agents and industry partners?
Yes. We regularly collaborate with real estate professionals and industry partners across California. When appropriate, integrating the real estate and financing process can help reduce delays, improve communication, and create a smoother overall transaction.
How do I get started?
You can start with a quick application if you’re ready, or explore available homes to better understand your options. Either way, we’re here to help guide the process.