Most of these companies offer financing for folks with not-so-perfect credit; and remember, our easy long-term leases with purchase option programs can make your dream come true even if you’ve always been turned down before! There’s no reason to wait any longer to move your family into a home of their own. The following lenders specialize in lending on manufactured homes in mobile home communities, where the borrower owns only the home and not the land. This type of lending is called “Personal Property Lending” or “Chattel Lending.”