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June 18, 2025
Affordable Homeownership
Suncrest Capital’s Response to Rising Mortgage Rates
These days, many people are finding the dream of owning a home increasingly unattainable. According to Moody’s Analytics, mortgage rates are expected to settle at 5.5% to 6% in the next 18 months, making it even harder for families already struggling with rising living costs to afford a traditional home. It’s a discouraging trend, especially for those with modest incomes or less-than-perfect credit scores.
At Suncrest Capital, we understand the emotional and financial weight that comes with trying to secure a home. That’s why we’ve made it our mission to provide attainable, affordable housing through alternative financing solutions, such as partnering with special mortgage lenders known as chattel lenders.
What truly sets Suncrest Capital apart is how we support our residents beyond the financing itself. We work closely with trusted lending partners and even personally guarantee many of these loans. That level of commitment helps our residents move from renting to owning a home in a community that supports them.
At Suncrest Capital, we’re not just building mobile home communities—we’re also building opportunities. By offering realistic and flexible financing options, we empower residents to own homes they once thought were out of reach. You don’t need an extremely high credit score. You don’t need tens of thousands in savings. All you need is a desire to own a home and build a future, and we’ll help you get there.
Because affordable housing isn’t just about the cost,
It’s about access, security, and a real sense of belonging.
As interest rates continue to rise, many are wondering whether homeownership is still a possibility...
At Suncrest Capital, our answer is a resounding yes. Through thoughtful partnerships, personalized support, and accessible lending options, we’re helping more people turn the goal of homeownership into something attainable for individuals, families, and the communities they’re part of.
At Suncrest Capital, we understand the emotional and financial weight that comes with trying to secure a home. That’s why we’ve made it our mission to provide attainable, affordable housing through alternative financing solutions, such as partnering with special mortgage lenders known as chattel lenders.
Why Chattel Loans Offer a More Accessible Path to Homeownership
A chattel loan is a type of financing used for movable personal property, making it a practical solution for manufactured home communities. But its real strength lies in how it opens the door for more people to own a home:-
Faster path to ownership: With loan terms between 7 to 15 years, residents can pay off their Suncrest mobile homes much sooner than with a typical 30-year mortgage, helping them build equity and stability faster.
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More inclusive approval process: Unlike traditional mortgages that often require a 720 credit score or higher, chattel loans have more flexible qualification criteria. Making them an option for people who might otherwise be overlooked by typical mortgage lenders.
- Manageable monthly payments: Even with interest rates typically 3–4% higher than traditional mortgages, monthly payments often fall under $1,000. This gives families the ability to budget more confidently while still working toward homeownership.
What truly sets Suncrest Capital apart is how we support our residents beyond the financing itself. We work closely with trusted lending partners and even personally guarantee many of these loans. That level of commitment helps our residents move from renting to owning a home in a community that supports them.
Why This Matters for Our Mobile Home Park Residents
At Suncrest Capital, we’re not just building mobile home communities—we’re also building opportunities. By offering realistic and flexible financing options, we empower residents to own homes they once thought were out of reach. You don’t need an extremely high credit score. You don’t need tens of thousands in savings. All you need is a desire to own a home and build a future, and we’ll help you get there.
Because affordable housing isn’t just about the cost,
It’s about access, security, and a real sense of belonging.
As interest rates continue to rise, many are wondering whether homeownership is still a possibility...
At Suncrest Capital, our answer is a resounding yes. Through thoughtful partnerships, personalized support, and accessible lending options, we’re helping more people turn the goal of homeownership into something attainable for individuals, families, and the communities they’re part of.
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