Dove Financial

What Dove Financial does

Dove Financial is a privately held California mortgage broker founded circa 1985, specializing in in-park mobile home and manufactured home loans. The company operates exclusively in California (Los Angeles, Orange, San Diego, Santa Barbara, and Ventura Counties) from a single headquarters in Tustin, CA, and holds NMLS ID #353000 and California DRE #01417390. Its primary product offering is mobile home and manufactured home financing for buyers in mobile home parks, including purchase, refinance, cash-out, and rate-reduction programs for single-wide, double-wide, and triple-wide units, including older pre-HUD homes. Bob Berthiaume is the named mortgage broker and primary customer contact, reflecting a relationship-driven, consultative sales model executed via direct phone contact and an online application hosted on the formsite platform.

The company's revenue model is transaction-based, earning origination fees and yield spread premiums from wholesale lenders when loans close. In addition to its core mobile home specialty, Dove Financial offers a portfolio of supporting loan products: construction-to-permanent loans (min $100k, up to 95% LTV, single closing), conventional mortgage programs including FHA, VA, jumbo, and self-employed borrower programs with alternative documentation (bank statements, stated income), commercial real estate loans up to $5 million, and private money loans ranging from $50,000 to $20,000,000. The technology stack is standard industry tooling with no disclosed proprietary platform; the company's differentiators are domain specialization and program flexibility rather than technology. Marketing relies primarily on the company website (dovemhloans.com), organic SEO for California mobile home loan queries, and direct broker outreach, with no visible social media or paid advertising presence.

Dove Financial serves five identified customer segments: in-park mobile home buyers (primary), general residential homebuyers, self-employed borrowers, commercial property investors, and credit-challenged borrowers recovering from bankruptcies or short sales. Pricing is quote-based, varies by borrower profile and loan scenario, and carries no application fee. The business appears to be founder/independently owned with no institutional investors, no disclosed parent company, and no M&A activity in the available record. Its long operating history and specialized niche position it as an established but small-scale regional broker rather than a scaled platform.

Name

Dove Financial

Legal name

Dove Financial

Website

https://dovemhloans.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Dove Financial is a privately held California mortgage broker founded circa 1985, specializing in in-park mobile home and manufactured home loans, with complementary conventional, construction-to-permanent, commercial, and private money loan products for retail borrowers and small commercial investors.

Ownership category

akta.pro rank

Headquarters

HQ city

Tustin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Loan Origination & Mortgage Brokerage: As a mortgage broker, Dove Financial earns revenue through origination fees and yield spread premiums from lenders when originating loans. The company pairs borrowers with appropriate loan programs from its network of lending partners, earning commissions on successful loan closings. Revenue is transaction-based, driven by loan volume across mobile home, conventional, construction, and commercial loan products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Dove Financial is a California-based mortgage broker specializing in in-park mobile home and manufactured home loans, with over 40 years of industry experience. The company matches borrowers with loan programs from its network of wholesale lenders, offering purchase, refinance, cash-out, and rate-reduction financing for mobile homes in parks. In addition to its core mobile home niche, the firm provides construction-to-permanent loans, conventional residential mortgages (FHA, VA, Jumbo, self-employed programs), and commercial loan products including private money lending.

Product overview

Dove Financial is a California-based mortgage broker with over 40 years of experience specializing in mobile home and manufactured home loans in parks. The company offers a portfolio of loan products centered around Mobile Home & Manufactured Home Loans (their primary specialty), complemented by Construction to Permanent Loans, Conventional Mortgage Programs (including FHA, VA, Jumbo, and Self-Employed sub-products), and Commercial Loan Programs with Private Money options. The core offering is the Mobile Home & Manufactured Home Loans program, which provides in-park financing for purchase, refinance, and cash-out needs with various down payment options and FICO requirements. Supporting products include construction-to-permanent financing and conventional residential lending, creating a comprehensive mortgage brokering service focused on California's mobile home market.

Differentiator

Problem solved

Functional benefit

Products and services

• Mobile Home & Manufactured Home Loans Specialized in-park mobile home and manufactured home financing for California borrowers, covering purchase, refinance, cash-out refinance, and interest-rate reduction programs. Supports single-wide, double-wide, and triple-wide homes; finances older pre-HUD homes (before June 13, 1976); offers stated-income programs for self-employed borrowers; and accommodates credit-challenged applicants with recent bankruptcies, short sales, or repossessions. Minimum loan $50,000 with down payment options of 5%, 10%, 15%, or 20%.
• Construction to Permanent Loans Combined construction and permanent financing for manufactured homes placed on private land, wrapped into a single loan that converts to a real-property mortgage upon completion. Minimum loan $100,000, 30-year term, up to 95% LTV, no mortgage insurance, no FHA inspections, and one-time closing.
• Conventional Mortgage Programs Residential mortgage programs including conventional conforming loans, FHA loans (purchase up to 96.5% LTV, cash-out to 80%, min FICO 620), VA loans (100% LTV, no money down, fixed 10–30 year terms), jumbo loans up to $3,000,000, and self-employed borrower programs using bank-statement or alternative documentation (FICO as low as 620, DTI up to 50%). Includes Fresh Start equity programs for borrowers rebuilding credit after bankruptcy, short sales, or repossessions.
• Commercial Loan Programs Commercial real estate financing for office, retail, automotive, and 1–4 unit residential properties, with 15-year amortization and 30-year interest-only options. Includes portfolio lending up to $5,000,000 for apartments and 1–4 unit properties, private money loans ($50,000 to $20,000,000), and stated-income programs for multi-family, commercial, industrial, and medical properties in California.

Quantifiable outcome

• Online pre-approval process can be completed in approximately 15 minutes
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Direct peers

• Cascade Financial Services: Manufactured and modular home lender with programs for both personal property and real estate financing. Closely comparable to Dove's specialty mobile home loan offerings.
• 21st Mortgage Corporation: One of the largest U.S. manufactured and mobile home loan specialists, financing homes in parks and on private land. Highly comparable to Dove's in-park mobile home financing focus.
• Triad Financial Services: Specialty manufactured home lender offering chattel and real estate mortgages for manufactured homes in land-lease communities. Direct overlap with Dove's in-park mobile home loan programs.
• CountryPlace Mortgage: Specialty manufactured home financing division focused on chattel and mortgage lending for manufactured housing. Similar niche specialization to Dove Financial.

Emerging players

• NewRez (Shellpoint Mortgage Servicing): National mortgage lender with manufactured and chattel home loan programs. Comparable niche overlap with Dove's manufactured home focus, but with significantly broader scale.
• CU Members Mortgage: Credit union-affiliated mortgage lender with specialized mobile and manufactured home loan programs. Comparable niche to Dove with a different funding/governance structure.

Broad incumbents

• loanDepot: National retail and wholesale mortgage lender with extensive conventional, government, and specialty loan programs. Competes broadly with Dove's residential and specialty book.
• Caliber Home Loans: Large national mortgage originator offering conventional, FHA, VA, jumbo, and specialty products including manufactured home financing. Overlaps with Dove across multiple product lines.
• Rocket Mortgage: National direct-to-consumer mortgage lender with broad FHA, VA, conventional, and jumbo offerings. Competes with Dove's conventional/residential book but at massive scale and digital-first.

Regional players

• VIP Mortgage: California-headquartered mortgage broker with multiple branches across the Southwest. Competes with Dove in the California residential and specialty lending market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/dove-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dove Financial