KDM Manufactured Home Loans

KDM Manufactured Home Loans Kris McCullough | NMLS #1756904 DRE #01985953
Patriot Pacific Financial Corp. We make the hard loans happen.

📍PPFC is Licensed in 18 states and counting.

c 951.387.0037
[email protected]
www.KrisMcCullough.com
Equal Housing Opportunity 🏡 About KDM Manufactured Home Loans
We specialize in financing manufactured homes in parks, on leased land, and in unique situations most lenders won’t touch. Whether it’s a chattel loan, VA, FHA, or Conventional, the KDM Team is locked in and ready to close.

🎖 Founded by Kris McCullough, a retired Marine tur

ned Home Loan Specialist, we bring clarity, confidence, and custom solutions to homebuyers across the country—especially in the manufactured housing space.

💬 If you’ve been told “it can’t be done,” you’re in the right place. Let’s get you home.

📘 Find Me on Social Media!
📌 Facebook: Kris McCullough
📌 Instagram:
📌 YouTube:
📌 eBooks: KrisMcCullough.com/ebooks
📌 Mortgage Calculator:
https://krismccullough.com/mortgage-calculator/
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS #1756904 | DRE #01985953

Patriot Pacific Financial Corp
NMLS #1921615 | DRE #02103516

📌RE Blitz Clothing:
https://re-blitz.creator-spring.com/

📍 States PPFC Serves: CA, AZ, TX, CO, FL, VA, ID, TN, AL, SC, NC, OH, MI, SD, LA, WA, PA, MD

06/18/2026

🌟WHAT IS A CHATTEL LOAN?

If you're shopping for a manufactured home, you've probably heard the term "Chattel Loan" and wondered what it means.

In this video, I break down what a Chattel Loan is, when it's used, how it's different from a traditional mortgage, and why it's one of the most common financing options for manufactured homes in parks and on leased land. Understanding the difference between Chattel Financing and traditional real estate financing can help you make better decisions when shopping for a manufactured home.

Whether you're a first-time buyer, retiree, investor, or simply exploring affordable housing options, this is a topic every manufactured home buyer should understand.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H
📌 Agent List Reports:
https://www.listreports.com/kris.mccullough/nest/signup

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

🚨🚨 MARKET UPDATE 🚨🚨 THE BOND MARKET FOUND ITS COFFEE ☕📉After yesterday's Fed-induced meltdown, mortgage rates staged a p...
06/18/2026

🚨🚨 MARKET UPDATE 🚨🚨
THE BOND MARKET FOUND ITS COFFEE ☕📉

After yesterday's Fed-induced meltdown, mortgage rates staged a pretty respectable comeback today. 😎

Remember yesterday when the Fed walked into the room, dropped a "higher for longer" dot plot on the table, and the bond market immediately started flipping furniture? 😂

Well today, cooler heads prevailed.

🏦 Bonds recovered a good chunk of yesterday's losses
📉 Mortgage rates improved
✅ About half of yesterday's spike has already been erased

Here's what's happening:

The Fed still expects rates to stay higher than many investors were hoping. That part hasn't changed.

What's changing is that traders are realizing mortgage rates don't follow the Fed Funds Rate as closely as most people think. Mortgage rates are tied more closely to longer-term bonds, and those bonds recovered nicely today.

Meanwhile, the stock market is acting like yesterday never happened. 📈 Investors continue betting that the economy remains strong enough to grow, even if the Fed isn't in a hurry to cut rates.

What are we watching now?

👀 Inflation data
👀 Treasury yields
👀 Labor market reports
👀 Whether the Fed starts softening its tone in coming weeks

Bottom line:

Yesterday, the bond market looked like it got dumped via text message. 💔📱

Today, it got a "Hey... I've been thinking about us" phone call. 😅

Mortgage rates aren't back to where they were before the Fed meeting, but they're definitely headed in a better direction than they were 24 hours ago. 👊🏡📉

🇺🇸🏡 VIRGINIA, WE'RE READY TO LEND! 🏡🇺🇸From the mountains of Southwest Virginia to the coast of Virginia Beach, Patriot P...
06/18/2026

🇺🇸🏡 VIRGINIA, WE'RE READY TO LEND! 🏡🇺🇸

From the mountains of Southwest Virginia to the coast of Virginia Beach, Patriot Pacific Financial Corp is proud to help families achieve homeownership throughout the Commonwealth.

Whether you're buying your first home, upgrading to your forever home, building from the ground up, or financing a manufactured home, we've got loan options designed to fit your goals.

✅ VA Loans
✅ FHA Loans
✅ Conventional Loans
✅ Manufactured Home Loans
✅ Construction Loans

Ready to talk about your options? Let's build a game plan and get you moving toward homeownership.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H
📌 Agent List Reports:
https://www.listreports.com/kris.mccullough/nest/signup

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

🇺🇸🏠✨

🚨🚨 MARKET UPDATE 🚨🚨THE FED JUST THREW A WRENCH INTO THE PARTY 😬📉Well... that escalated quickly. 😂After spending the last...
06/17/2026

🚨🚨 MARKET UPDATE 🚨🚨
THE FED JUST THREW A WRENCH INTO THE PARTY 😬📉

Well... that escalated quickly. 😂

After spending the last week moving lower, mortgage rates got punched in the face this afternoon following the Fed announcement and new Fed Chair Kevin Warsh's first major press conference.

Top-tier 30-year fixed rates jumped back up to around 6.62%, wiping out about a week's worth of improvement. 👀

So what happened?

🏦 The Fed didn't raise rates.
🏦 The Fed didn't cut rates.
🏦 The Fed basically said, "We're still worried about inflation."

The biggest surprise came from the Fed's famous "dot plot," which showed Fed members now expect rates to stay higher longer than they did back in March.

Translation:

📈 Fewer future rate cuts
📈 Higher bond yields
📈 Higher mortgage rates

Then came Warsh's press conference... and instead of giving the bond market warm fuzzy feelings, he gave investors about as much guidance as a Magic 8 Ball with dead batteries. 😅

The bond market responded by selling off, and lenders started repricing rate sheets higher throughout the afternoon. Some lenders adjusted rates multiple times.

Meanwhile, the stock market actually held up fairly well. 📈 Investors seem to believe the economy remains strong enough to handle higher rates, even if the bond market threw a little temper tantrum.

What happens next?

👀 Inflation data
👀 Jobs reports
👀 Treasury yields
👀 Any hints from the Fed about future cuts

Bottom line:

The market spent the last week hoping the Fed would sound more friendly. Instead, the Fed showed up, crossed its arms, and said:

👉 "We're not done worrying about inflation." 😬

The bond market did NOT enjoy that conversation. 😂

🏡 FROM PARKS TO PRIVATE LAND 🏡 MANUFACTURED ARE WHAT WE DONot all lenders understand manufactured homes. We do.The KDM L...
06/17/2026

🏡 FROM PARKS TO PRIVATE LAND
🏡 MANUFACTURED ARE WHAT WE DO

Not all lenders understand manufactured homes. We do.

The KDM Lending Team specializes in Manufactured Home Financing and helps clients across the country with loan options that many lenders simply don't offer.

✅ Manufactured Homes in Parks (Chattel Loans)
✅ Land-Owned Manufactured Homes
✅ VA Manufactured Home Loans
✅ FHA Manufactured Home Loans
✅ Conventional Manufactured Home Loans
✅ Manufactured Home Construction Loans
✅ One-Time Close Construction Financing
✅ Manufactured Home Renovation Loans
✅ Replacement Home Financing (Out With The Old, In With The New)
✅ Investor Manufactured Home Financing
✅ Spec Build Financing
✅ Manufactured Home Infill Projects
✅ Manufactured Home Park Development Loans

Whether you're buying your first manufactured home, placing one on private land, building from the ground up, replacing an older home, or developing an entire community, we have the experience and loan programs to help make it happen.

💥 June 15th 1976 and Newer Financing 💥

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H
📌 Agent List Reports:
https://www.listreports.com/kris.mccullough/nest/signup

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

🏡🚜💥

🏔️ UTAH, WE'RE READY TO LEND! 🏔️From the Wasatch Front to the red rock deserts of Southern Utah, Patriot Pacific Financi...
06/17/2026

🏔️ UTAH, WE'RE READY TO LEND! 🏔️

From the Wasatch Front to the red rock deserts of Southern Utah, Patriot Pacific Financial Corp is proud to help homebuyers and homeowners across the Beehive State.

Whether you're buying your first home, upgrading, building, or financing a manufactured home, we've got options.

✅ VA Loans
✅ FHA Loans
✅ Conventional Loans
✅ Manufactured Home Loans
✅ Construction Loans

We specialize in the loan programs many lenders struggle with, especially Manufactured Homes, VA Loans, and Construction Financing.

📞 One team. Multiple loan options. Real answers.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H
📌 Agent List Reports:
https://www.listreports.com/kris.mccullough/nest/signup

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

🏔️🏡🇺🇸

🚨🚨 MARKET UPDATE 🚨🚨RATES JUST HIT THEIR BEST LEVELS SINCE MAY 14TH 😎📉Mortgage rates improved again today, with top-tier ...
06/16/2026

🚨🚨 MARKET UPDATE 🚨🚨
RATES JUST HIT THEIR BEST LEVELS SINCE MAY 14TH 😎📉

Mortgage rates improved again today, with top-tier 30-year fixed rates averaging around 6.54%. That's the lowest level we've seen in over a month. 👀

So what's driving it?

🕊️ The U.S./Iran peace deal continues to calm markets.
🛢️ Oil prices have moved lower.
📉 Inflation fears have eased.
🏦 Bond yields have fallen.

And when bond yields fall, mortgage rates usually follow. ✅

The stock market is also enjoying the ride. 📈 Investors are becoming more optimistic that lower energy prices and reduced geopolitical risk could help keep the economy moving without creating new inflation headaches.

Now before everybody starts doing victory laps through open houses... 😅

There is still some risk here. Markets are assuming the peace deal actually happens and sticks. If things go sideways, rates could easily give back some of these recent gains.

And tomorrow is a BIG one. 👀

🏦 The Fed announces its latest rate decision.

Nobody expects a rate cut or hike, but investors will be hanging on every word from new Fed Chair Kevin Warsh during his first major press conference. Translation: the market won't care what the Fed does... it'll care what the Fed says. 😂

Bottom line:

Mortgage rates are moving in the right direction, oil prices are behaving themselves, and the bond market is finally starting to relax.

The question now is whether this is the start of something bigger... or just the bond market's version of a honeymoon phase. 😎🏡📉

🤠🏡 TEXAS, WE'RE READY 🤠🏡 LETS GET YOU A HOME! Everything is bigger in Texas... including the opportunities to become a h...
06/16/2026

🤠🏡 TEXAS, WE'RE READY
🤠🏡 LETS GET YOU A HOME!

Everything is bigger in Texas... including the opportunities to become a homeowner. Patriot Pacific Financial Corp is proud to be approved to lend throughout the Lone Star State, helping families, Veterans, first-time buyers, and homeowners find the right financing solution for their goals.

⭐ We offer:

✅ VA Home Loans
✅ FHA Home Loans
✅ Conventional Loans
✅ Manufactured Home Loans
✅ Construction Loans
✅ First-Time Homebuyer Programs
✅ Land-Owned Manufactured Home Financing
✅ Manufactured Homes in Parks (Chattel Loans)
✅ One-Time Close Construction Financing
✅ Renovation & Replacement Home Financing

📞 If you're thinking about buying, building, or refinancing in Texas, let's put together a game plan and get moving.

KDM Lending Team
Financing Homes ⭐ Building Dreams

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS 1756904 | DRE 01985953

Patriot Pacific Financial Corp
NMLS 1921615 | DRE 02103516
Equal Housing Opportunity

📌 Facebook:
📌 Instagram:
📌 YouTube:
📌DIY Credit Repair:
https://www.creditbuilderiq.com/bus/?offercode=4375029H
📌 Agent List Reports:
https://www.listreports.com/kris.mccullough/nest/signup

📍 States PPFC Serves: AL, AZ, AR, CA, CO, DC, FL, HI, ID, IL, IN, KY, LA, MD, MI, MO, MT, NM, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

🤠🇺🇸🏠⭐

🚨🚨 MARKET UPDATE 🚨🚨 RATES HIT ONE-MONTH LOWS 😎📉Mortgage rates just dropped to 6.56%, matching the lowest levels we've se...
06/15/2026

🚨🚨 MARKET UPDATE 🚨🚨
RATES HIT ONE-MONTH LOWS 😎📉

Mortgage rates just dropped to 6.56%, matching the lowest levels we've seen in exactly one month. 👀

So did the Iran peace deal save the day?

Well... yes and no. 😅

The bond market is like that one guy who already knows the surprise ending to the movie. By the time the peace deal was officially confirmed, traders had already spent days pricing it into the market.

That's why rates didn't fall off a cliff today. Most of the improvement happened BEFORE the official announcement. 🏦📉

Still, this is good news:

✅ Oil prices have cooled
✅ Inflation fears have eased a bit
✅ Bond markets have improved
✅ Mortgage rates are at their best levels in a month

Meanwhile, the stock market is loving the calmer environment. 📈 Investors are betting that lower geopolitical risk means fewer economic surprises and a better path forward for growth.

Now before everybody starts high-fiving strangers at open houses... here's the reality check: 😂

While rates are at one-month lows, they're STILL near the high end of the last 10 months.

Translation:
✅ Better than recently
❌ Not exactly a bargain bin sale yet

What happens next?

👀 Inflation data
👀 Treasury yields
👀 Fed commentary
👀 Whether the peace deal actually holds

Bottom line:

Mortgage rates are moving in the right direction, and that's a win. But the bond market is still treating this relationship like someone who's been cheated on before... cautiously optimistic, but not ready to update its Facebook status just yet. 😂🏡📉

Address

39381 Los Alamos Road, Suite D
Southern, CA
92563

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