Nicole Luu, VP Finance
Clients Rave Reviews
"Working with Nicole on our financing brought so much clarity and joy as she walked us through each step we had to take and how long each phase would go I can’t thank Galaxy Homes enough." -- Michele G.
"As first-time homebuyers, we were overwhelmed, but Aaron and Nicole from Galaxy Home made our experience incredibly smooth and successful. They were exceptionally nice, patient, and accommodating, guiding us through every step and answering all our questions with genuine enthusiasm. They consistently made us feel like a top priority." - Miriam N.
"Our family had an outstanding experience working with Ron and Nicole from Galaxy Homes. They made the home buying process very seamless and smooth. They were always professional and always just one phone call away to answer questions and address any concerns we had along the way. Highly recommend Galaxy Homes to anyone looking for a home!"- Joe Suh
"I had a wonderful experience working with Nicole and Aaron at Galaxy Homes. They were both savvy, knowledgeable, quick to respond and genuinely cared about me and kept me updated at all times which definitely made the entire process of buying a home smooth and stress-free. I highly recommend them to anyone looking to buy or sell a home!" - Irene
"5 star service, Aaron Okola and Nicole Luu are an amazing team to work with, they exceeded all my expectations. I highly recommend them. The entire staff was also extremely helpful in guiding and advising on next steps to close on time." - Michelle G.
Manufactured Home Loans & Financing in Southern California
How Manufactured Home Financing Works in Southern California
Financing a manufactured home is different from a traditional mortgage — and knowing your options upfront makes the process much smoother. At Galaxy Homes, our VP of Finance Nicole Luu guides every buyer through the right loan type for their situation.
Types of Loans We Work With
Chattel Loans (Personal Property) The most common loan type for manufactured homes in mobile home parks. The loan is secured by the home itself — not the land — making it faster to process and more accessible for buyers in leased-space communities. Chattel loans typically require a lower down payment and have a shorter approval timeline than real property loans.
Real Property Loans If you're placing a manufactured home on land you own — or purchasing land and home together — a real property loan treats the home and land as a single asset, similar to a conventional mortgage. These loans often come with lower interest rates and longer terms.
What to Expect: Loan Requirements
While every buyer's situation is unique, here's a general overview of what lenders typically look for:
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Credit score: Most chattel loan programs start at 580–620; better rates are available at 680+ 📖 Related: How Your Credit Score Affects Manufactured Home Financing in California
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Down payment: Typically 5–20% depending on loan type, credit profile, and whether the home is new or pre-owned
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Income verification: Lenders will review pay stubs, tax returns, or bank statements
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Home age and condition: Some loan programs have restrictions on older homes — Nicole can help you identify which programs work for the home you have in mind
Not sure where you stand? Nicole can review your situation and tell you exactly which programs you qualify for — with no obligation.
About Nicole Luu
Nicole Luu is an expert in mobile home financing on both new and pre-owned homes. She has fantastic people skills and is loved by all her customers. She helps clients navigate the difficult and sometimes frustrating process of getting a home loan. Nicole is also a licensed HCD sales agent, a licensed real estate agent and a licensed Mortgage Loan Originator.
Nicole Luu, VP Finance
