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CIS Home Loans

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LAST UPDATED: June 3rd, 2022

CIS Home Loans is a full-service mortgage bank with over 25 years of experience in the industry— CIS stands for Character, Integrity, and Service. The company works to help its customers achieve their goals of homeownership in 49 states and Puerto Rico.

CIS Home loans specializes in manufactured and modular home financing, but also offers financing services for traditional, site-built homes.

To see what others are saying about their experience, jump to CIS Home Loans Reviews below.

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The Good

  • Wide Selection of Loan Products
  • Loan Options for Manufactured Homes
  • Online Account Management

Wide Selection of Loan Products

CIS Home Loans offers several home loan options for its customers to choose from, including:

  • Fixed-rate mortgages
  • Adjustable-rate mortgages
  • FHA loans
  • VA loans
  • USDA loans

Borrowers can go online and get pre-qualified for a loan as well as apply for its down payment assistance program. Down payment assistance is not always offered by mortgage lenders, CIS Home Loans can greatly benefit those that are first time or low-income homebuyers. Assistance is not guaranteed, speak with one of its representatives for more information on its qualifications.

Loan Options for Manufactured Homes

CIS Home Loans is one of the few mortgage lenders that offers financing options specifically for manufactured and modular homes. The three loan options are USDA, FHA, and conventional loans.

It is difficult to secure a traditional home loan for a manufactured home so hving three financing options to choose from for a manufactured home loan is a huge bonus to those looking for this type of home.

Online Account Management

Borrowers can access and manage their mortgage accounts online. Through the online account management system customers can:

  • Make payments
  • View loan balance
  • Request payoff statements
  • View escrow accounts
  • Access 1098 forms

This feature is a huge bonus, borrowers will not have to stay in the dark when it comes to their mortgage. Everything will be accessible online, helping build transparency and trust between borrowers and CIS Home Loans.


The Bad

  • No Mobile App 

No Mobile App 

Although the company does have an online account management system, there is no company-specific mobile app available at this time. Some competitors offer apps that allow customers to find loan officers, contact local real estate agents, and manage their mortgage on-the-go. 


The Bottom Line

CIS Home Loans is an approved Fannie Mae, Ginnie Mae, FHA, VA and USDA loan lender that provides a wide selection of loan products. However, it does not provide any interest rate estimates or ranges online, making it difficult to compare its affordability with other mortgage companies.

Those that are in the market for manufactured homes will find CIS Home Loans to be especially beneficial. Use its online mortgage calculator or talk to a representative to see if CIS Home Loans is right for you.

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13 Reviews

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Tony M Cropper Stony Creek, VA

I haven’t had any problems with this mortgage company. VA loan and payment comes direct from my bank account each month plus escrow

3 years ago