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Invest with Tammac.
Shaping the future together.

Investor partnerships with Tammac

Our mission is to provide accessible and affordable financing solutions for consumers seeking to purchase or refinance manufactured homes.

We are committed to helping our customers achieve their homeownership dreams by offering flexible lending options, personalized service, and transparent processes. We strive to foster long-lasting relationships with our customers, industry partners, and communities, while upholding the highest standards of integrity, fairness, and social responsibility. Our ultimate goal is to be the trusted and preferred lender for manufactured housing, making homeownership more attainable and enriching lives along the way.

  • Why partner with us?
  • Why manufactured homes?
  • Investor opportunities

Why partner with Tammac?

A premier MH lender enabling customers to achieve their dream of home ownership while providing investors strong risk adjusted yields.

  1. Few players in the space; five larger national competitors are at scale and have institutional investors in place, while Tammac is adding to our partner network to support growth plans.
  2. Opportunity to work with a company that has a demonstrated 100%+ YoY growth for the last two years and expects similar growth over the next few years.
  3. Prospect of designing a portfolio based on your desired loan characteristics, including credit profile, geographic mix, ticket size, CRA needs, and other parameters.
  4. Underwriting focus on credit review and the borrower’s ability to repay combined with a strong and established Loan Servicing & Collection Team results in improved loan performance on recent vintages.
  5. Company solves the needs of consumers to address the affordable housing crisis.

Why invest in manufactured homes?

  1. Market presence
    Manufactured housing is growing nationwide with federal and state regulators actively promoting manufactured homes.
  2. Recession resistant
    Affordability of manufactured homes allows the sector to be less impacted by price and interest rate changes.
  3. Key sector
    An increase in manufactured home supply contributes to solving the affordable housing dilemma.
  4. Higher APR
    MH loans average 300-350 bp higher for comparable FICO bands versus residential mortgages.
  5. Reducing variance
    The higher volume of loans in manufactured housing reduces inherent risk compared to an equal dollar-sized mortgage security.
  6. Investment opportunity
    Large underserved market that provides strong asset-backed credit adjusted yields.

Investor opportunities

Two different transaction types for investors are offered as opportunities to partner with Tammac.

Type

Common objectives

Loss adjusted yield
Whole Loan Sales
$5-50M+		 Opportunity for investors to meet CRA requirements and investment goals (among other benefits) while having higher yielding assets in the portfolio. Varies depending on the interest rate environment in which the loans were originated.
Forward Flow Opportunity for investors to dollar cost average thus reducing investment risk (e.g., rising interest rates) while building a higher yielding portfolio. Typically ~350-350 bps higher than 30-year-fixed mortgage rate for similar FICO

Contact us

For an immediate response, contact Theresa Mann at tmann@tammac.com, or fill out the form. Fields marked with an asterisk * are required.

Or, contact us directly at:

Theresa Mann
(484) 889-2410
tmann@tammac.com

480 Swedesford Road, Suite 200
Wayne, PA 19087

NMLS#2336

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