CSL Financial Joins Next Step Network

Manufactured housing lender to participate in SmartMH program


Contact: Grant Beck, Marketing and Communications Manager
Phone: (202) 851-7550
Email: g.beck@nextstepus.org

LOUISVILLE, KY – July 9, 2019 – Today, Next Step Network is pleased to announce that CSL Financial, one of the fastest growing lenders in the manufactured housing space, has joined Next Step’s efforts to promote the use of affordable, energy-efficient factory-built homes to increase homeownership opportunities.  

“CSL Financial’s expertise in manufactured home lending is a welcome addition to our growing network,” said Stacey Epperson, president and founder of Next Step Network. “Their participation in the SmartMH program will provide a path to sustainable, affordable homeownership for hardworking individuals and families.” 

CSL provides straightforward loan programs to home buyers across the greater southeastern United States. As a part of their system of Common Sense Lending, CSL specializes in lending for the manufactured housing market, providing one-on-one service, attention and compassion for home buyers.  

“Purchasing a home is the biggest financial decision that most individuals will make in their lives.  At CSL Financial, we want our customers, both present and future, to be fully informed about the loan program that they will be using to finance their home purchase.  This is why all of our loans charge no origination points or origination fees,” said Aaron Waters, Vice President of CSL Financial.  “We feel that a partnership with Next Step Network will further our commitment to consumer education and help more families experience the benefits of affordable home ownership.” 

Next Step members are a part of a national network of individuals, business and organizations that believe that manufactured housing is a viable, affordable, environmentally responsible solution to help solve America’s affordable housing crisis. Our members benefit from Next Step’s work to transform the manufactured housing industry. Network members are dedicated to: delivering education, removing barriers to housing, changing the image of manufactured housing, and advancing policy changes around manufactured housing finance and Duty to Serve that better benefit home buyers and communities.  

Next Step’s SmartMH program connects educated homebuyers with financial institutions and manufactured home retailers to increase access to affordable, ENERGY STAR® manufactured homes with fair financing. Freddie Mac has partnered with Next Step to expand the program, while improving access to credit for prepared, manufactured homebuyers.  


About Next Step® Network, Inc.  
Next Step® Network, Inc. is a national, nonprofit housing intermediary that works to promote expanded use of factory-built housing as a viable solution to address housing affordability. Our organization mobilizes a national network of mission-driven nonprofits, leaders in the manufactured housing industry and lending institutions serving home buyers and homeowners in their communities. Next Step’s system – Manufactured Housing Done Right® – connects responsible financing, comprehensive homebuyer education and delivery of high-quality, ENERGY STAR® manufactured homes at scale, creating a model that brings more value to the homeowners and communities. Learn more at www.nextstepus.org.  
About CSL Financial  
CSL Financial, based in Birmingham, Alabama, is a privately held lender providing retail chattel finance programs through its retail partners across the Southeastern U.S.  Since its formation in 2012, CSL Financial has experienced tremendous growth due to its focus on providing the highest level of customer service combined with unique, home only loan programs not offered through most lenders.