Michigan mortgage lender

Manufactured, modular and mobile home loans

With or without land. In-park financing too.

The terms

Down payment
As low as 3.5% with FHA
Structure
One-time close, construction-to-perm
Land
With or without land
In a community
In-park financing available
  • The down payment can also count toward the land purchase
  • FHA does not require as stringent a credit qualification as other one-time close mortgages
  • Refinancing for manufactured homes

Quick application

One minute. No Social Security number.

For manufactured, modular and mobile home loans we ask:

  • New or existing home
  • On your land or in a park?
  • Purchase price
  • County

We reply within 24 hours. Or call (586) 786-5500.

How it works

From one minute to the closing table.

    1

    Quick application

    Loan type, a few numbers, and whether you have a Realtor. It takes about a minute. No registration, no login, no Social Security number.

    2

    We reply within 24 hours

    A loan originator calls with the programs that fit and what each one needs. Fast pre-approval if you're buying.

    3

    In-house processing

    Your file is processed here, with e-signatures and automated disclosures to shorten the time to close.

    4

    Closing, anywhere in Michigan

    Loan closing agents cover every city and county in the state.

Google reviews

5.0 across 146 reviews.

5.0
146 Google reviews
Elizabeth Pastue
a month ago · Google
★★★★★
My husband and I just worked with Marina to purchase our first home. And I cannot recommend her enough. She was knowledgeable, got things done quickly, stayed in contact with me while she was on vacation, helped my anxiety along. Above all else she's a sweetheart who will make sure you're in the best position possible for purchasing your new home!
Olivia Saputo
2 months ago · Google
★★★★★
Working with Marina at Capital Lending was so amazing! She is so great at her job! As a first-time homebuyer, the process of getting a mortgage was new to me. Marina was always so helpful, would walk me through everything, and would answer any question I had. She is professional, friendly, and kind. I would recommend her to anyone needing a mortgage. She will get stuff done for you faster than I have ever seen anyone work!
Angelic Drake
2 months ago · Google
★★★★★
Where do I begin! It was a long 2 months of being on an emotional rollercoaster with all the request from the underwriters! Marina was there to lead me every step of the way, prompted and quickly! She informed me throughout the whole process! Making sure I was aware of everything that was needed! She educated me on the do's and don't and helped me quickly whenever I made mistakes! She will do her best to get you the best deal while also saving you money and time! She has so of the best references also for everything you need! I would definitely recommend her as a lender to any future buyers I come across! Does great work!
Heriberto Morales
3 months ago · Google
★★★★★
Working with Suzan was an amazing experience. As a first-time homebuyer, I had many questions, and Suzan was always patient, knowledgeable, and responsive throughout the entire process. She helped me qualify for a 0% down payment program, which made homeownership possible for my family. She explained every step clearly, kept me informed, and made what could have been a stressful experience feel smooth and manageable. I truly appreciate all of her hard work and highly recommend Suzan to anyone looking for a trustworthy and knowledgeable lender!
Chad Nedbal
3 months ago · Google
★★★★★
Worked with Marina on getting our new home. She was great and always attentive to making sure we were aware of what was happening in the market while going through the steps. She even checked in on us and was working during the World Cup games in Boston to help us finish closing on our house. We would recommend capital lending to anyone!
Natalie Isner
5 months ago · Google
★★★★★
I don’t think I could truly express how grateful I am for Marina! She went above and beyond for me and my partner to help us get our dream home! Truly could not have hoped for a better person to work with!
Alfie O
7 months ago · Google
★★★★★
Marina was a godsend!! She was so friendly, professional, and reassuring throughout the entire process. I really appreciated how communicative and organized she was, it made everything so much easier. I am so grateful for all her help in buying our dream home and would recommend her, and Capital Lending, to anyone looking to buy their dream home, too! 🫶💕
Brenda Martinez
7 months ago · Google
★★★★★
Suzan Stojanovski at Capital Lending was outstanding to work with. She helped us secure a DSCR loan and made the entire process smooth and efficient. Her communication was excellent — she was always responsive, clear, and proactive in keeping things moving forward. Suzan truly understands investor needs and timelines. Her guidance and support gave us confidence throughout the process. I highly recommend her to anyone looking for a knowledgeable and reliable lending partner. — Brenda Martinez
Erick Garcia
7 months ago · Google
★★★★★
I had a great experience working with Suzan at Capital Lending. She was professional, responsive, and made the entire loan process smooth and easy to understand. She was always available to answer any questions and kept me informed every step of the way. I truly appreciate her support and would highly recommend her to anyone looking for a reliable and knowledgeable loan officer.
Daniel Villalba
9 months ago · Google
★★★★★
Suzan made purchasing my home an easy process with her quick answers and helping me understand the whole process. She made the impossible happen with a deadline that seemed hard to hit but she was persistent and helped me close on my house before the holiday break. Super helpful and if you decide to work with Capital Lending, you'll be in good hands!
Eder Gonzalez
9 months ago · Google
★★★★★
Suzan was very attentive and kind, providing us with advice and all the necessary information in a timely manner. Excellent service! And even better, when we met her, we found her to be a very pleasant person. It was a pleasure working with and getting to know Suzan.
Christian Nadolski
9 months ago · Google
★★★★★
Where do I even start? Chris and Marina at Capital Lending are truly the best! They make the whole home buying process as easy as possible, with all of your best interest in mind.
Gerardo Valadez
a year ago · Google
★★★★★
I had an excellent experience with Capital Lending Inc. Suzan went above and beyond to make the process smooth and stress-free. I would give her 6 stars if I could!! Highly recommend.
Malynn Kosnik
a year ago · Google
★★★★★
MARINA is awesome. She went above and beyond for me and and my fiance to close on a house in 2 weeks starting from complete scratch. She knows what shes doing and has an answer to any question. She really valued us as clients and gave us the best deal she could! Thank God I found her before I got screwed with this other company!!!!
Ximena Perez Zertuche
a year ago · Google
★★★★★
I highly recommend Capital Lending services! Suzan was with us all the time! Supporting every question we had a as first time home buyers! The process was easier with all of her experience and her enthusiasm was also the best part of this experience!!!
Emily Milatz
a year ago · Google
★★★★★
Marina was AMAZING. She helped us every step of the way. Being first time homeowners everything is new and she always took the time to throughly explain everything to us. will 100% be referring her to friends and family :)
Martin Sanchez
a year ago · Google
★★★★★
I highly recommend Capital Lending! They were very helpful throughout the whole process of buying a home. Both Marina and Suzan answered every question we had and I know we couldn’t have found anyone better to work with. They treated us like family the entire time. They are very knowledgeable and will be there for you through anything you need. They made our buying process so smooth and easy! Such amazing people! Thank you both again! Love, Tayler and Martin
Jocelyn Jarvis
a year ago · Google
★★★★★
Marina did a fantastic job of ensuring a smooth lending process. She was very patient and advocated very well for us! I could tell that she was definitely working on our behalf and cared about making sure we got into our new home without a hitch!
Jenny Kukula
a year ago · Google
★★★★★
We used capital lending as we were first time home buyers. Our lender, Chris, was beyond amazing. He made the process so smooth and was there with us every step of the way! He made sure to answer all of our questions and ensured that we were in good hands. I couldn’t recommend them enough! Truly made the process of buying our house easy!
Andrew Briggs
a year ago · Google
★★★★★
Me and my wife worked with Marina and she was EXCEPTIONAL! Super detail oriented and was on top of it every step of the way through our home loan process!
Millan Millano
a year ago · Google
★★★★★
Capital lending is very professional organized and time oriented company. They deliver what they promise... Kind personality, always on the top of the game. From start to finish excellent communication, transparency, timing respected and smooth process. Really, really impeccable service.
Dejan Radisavljevic
a year ago · Google
★★★★★
I would like to thank Snezana and her team for going above and beyond by providing the best service for our realeastate needs. She truly takes care of her clients and would definitely use her agian in the future. If you are in the market do yourself a favor and give her and her team a call.
Lindsey Klein
a year ago · Google
★★★★★
Chris was phenominal to work with! As a first time home buyer with many questions, Chris was there throughout the entire process for anything I needed. I highly recommend working with him and cannot wait to use Capital Lending in the future! Thanks Chris!
Ismael Sanchez
a year ago · Google
★★★★★
From my wife and my self we wish the best for this company thanks for everything you done for us thank you Aldo Gutierrez and your coworkers

Mortgage questions

Asked before most applications.

Short answers to the eight we hear most. If yours isn't here, a loan originator will answer it on the phone.

Ask a person

(586) 786-5500
24 hrs
reply to every application
No SSN
to see what you qualify for
1 min
to fill it out
01Do I need to give my Social Security number to see what I qualify for?

No. You can safely apply to find out if you qualify without disclosing your Social Security number. No registration and no login either.

02What is a VA home loan?

VA loans are for military veterans, service members, and eligible spouses. They are guaranteed by the VA and carry very competitive interest rates.

03What is a USDA home loan?

USDA Rural Development loans help low and moderate-income families buy a home with no down payment. Household income must not exceed program limits, and the property must be USDA-eligible, which is determined primarily by its location.

04What is an FHA home loan?

FHA purchase loans are low down payment loans. They only require 3.5% down, which makes them popular with first-time home buyers, and the guidelines permit down payment gift funds from family members, employers and housing grants.

05What is a Conventional 97 loan?

A low down payment (3%) loan for first-time home buyers. There is no income limit, and the mortgage must be a fixed rate.

06What is a jumbo loan?

Jumbo loans exceed conforming loan limits. Because they are bigger, qualifying is tougher than for government-insured or conventional mortgages, and larger down payments are expected.

07What is a streamline refinance?

A faster refinance of an existing VA or FHA loan into a new one with reduced documentation. The purpose is to reduce the monthly payment and save money over the life of the loan.

08How fast will I hear back?

Fill out the quick application and we reply within 24 hours. Construction loan pre-qualification typically takes 3 to 5 business days.

Ready to talk about manufactured, modular and mobile home loans?

No Social Security number. We reply within 24 hours.