{"id":70,"date":"2026-10-14T09:00:00","date_gmt":"2026-10-14T09:00:00","guid":{"rendered":"https:\/\/www.teddypendergrasscapital.com\/blog\/?p=70"},"modified":"2026-10-14T09:00:00","modified_gmt":"2026-10-14T09:00:00","slug":"chattel-mortgages-finance-movable-property","status":"publish","type":"post","link":"https:\/\/www.teddypendergrasscapital.com\/blog\/2026\/10\/14\/chattel-mortgages-finance-movable-property\/","title":{"rendered":"Chattel Mortgages Finance Movable Property"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/teddy-pendergrass-ii\/chattel-mortgage-explained-remotion-videos-e932\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>When it comes to financing movable property\u2014think manufactured homes or equipment\u2014a chattel mortgage can be a strategic solution. In fact, about 42% of manufactured home purchase loans use this type of financing, according to a federal bureau. Unlike traditional real estate loans, chattel mortgages allow borrowers to own the asset immediately, while the lender retains collateral rights. The agreement itself hinges on a few essentials: the borrower\u2019s rights to the asset, clear lender value, a precise description of what\u2019s being financed, and a signed agreement.<\/p>\n<p>It\u2019s important to note that chattel loans typically carry higher costs, shorter terms, and fewer consumer protections than standard mortgages\u2014but the speed of closing can be a real benefit. If you\u2019re financing a home that\u2019s permanently attached to land, a traditional mortgage is generally the right fit. However, for movable property\u2014especially assets used for business\u2014chattel financing can offer additional benefits like interest and depreciation tax advantages.<\/p>\n<p>My approach is always about finding the right loan structure for your unique needs, whether that\u2019s a traditional or a more specialized option. Navigating these choices is what I do best as a multi-state mortgage specialist focused on personalized service and results.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to financing movable property\u2014think manufactured homes or equipment\u2014a chattel mortgage can be a strategic solution. In fact, about 42% of manufactured home purchase loans use this type of financing, according to a federal bureau. Unlike traditional real estate loans, chattel mortgages allow borrowers to own the asset immediately, while the lender retains [&hellip;]<\/p>\n","protected":false},"author":482,"featured_media":71,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-70","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/posts\/70","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/users\/482"}],"replies":[{"embeddable":true,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/comments?post=70"}],"version-history":[{"count":1,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/posts\/70\/revisions"}],"predecessor-version":[{"id":72,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/posts\/70\/revisions\/72"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/media\/71"}],"wp:attachment":[{"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/media?parent=70"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/categories?post=70"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.teddypendergrasscapital.com\/blog\/wp-json\/wp\/v2\/tags?post=70"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}