Compadre Mortgage in Carlsbad (NMLS 296451, DRE 02037371) operates from Faraday Avenue in the 92008 zip code as a DBA of MH Services Corporation, specializing in manufactured-home lending alongside conventional site-built mortgage products. The Faraday Avenue office underwrites Fannie Mae MH Advantage and Freddie Mac ChoiceHome programs for factory-built homes on permanent foundations, and its construction-loan division coordinates HUD-code installation with builders including Lunasol Construction for foundation and set-up phases. Compadre's manufactured-home product menu includes conventional conforming, FHA, VA, FHA 203(k), and Fannie Mae HomeStyle renovation loans, with in-house underwriting that eliminates the manufactured-home pricing surcharges some wholesale lenders impose. The brokerage holds a separate DRE license under Compadre Brokers (DRE 02037371) for real-estate sales, creating an integrated purchase-and-finance workflow for buyers acquiring manufactured homes in Carlsbad's mobile-home parks and land-owned parcels. Manufactured-home purchases on leased land require a chattel-mortgage structure and a Section 1 pest-inspection clearance, and the brokerage's pre-closing checklist routes wood-destroying-organism reports through operators including Thrasher Pest Control before funding. Compadre's FHA manufactured-home program accepts down payments as low as 3.5% with automated underwriting to a 580 FICO threshold, and its 2% Down Payment Advantage Program covers a portion of the buyer's upfront cost on qualifying purchases.