Financing
Financing that fits the home and the land
We work with lenders who finance manufactured homes every day, in a park, on your own land, or with land you're still buying. Call the lot and we'll quote the full delivered-and-set price the same day, then point you to the right program.
Loan programs we work with
Traditional Land-Home Loan
- Designed for purchasing a home and land together
- Also works if you already own land that still has a payoff
- Typical down payment requirements are around 5%
- Loan terms up to 30 years
- Property development costs can be included in the loan
- Combines the home, land, and site development into one financing package
Chattel (Home Only)
- Ideal for homes placed on family land, in a park or community, or on your own private property
- Requires a small cash down payment toward the purchase of the home
- Keeps the land separate from the home financing
- Flexible loan terms up to 25 years
- Lower fees than many traditional financing options
- Typically the quickest and simplest closing process
- Property development costs may be included in the loan, up to approved limits
Land-In-Lieu of Down Payment
- Use land you already own as collateral instead of making a cash down payment
- May allow you to purchase your home with no money down
- Enjoy financing terms up to 30 years
- Include property development costs in your loan
- The land must be deeded in your name
- Land may be gifted to you prior to closing
FHA, VA & USDA Loans
- Government-backed financing options with low down payment requirements, typically ranging from 0% to 3.5%
- Can be used to purchase both the home and land together
- Can also be used if you already own the land
- May offer more flexible debt-to-income requirements than some conventional loan programs
- Specific property, borrower, and program requirements must be met
- A great option for qualified buyers looking for lower upfront costs
What to bring
- Photo ID for everyone on the loan
- Two recent pay stubs or two years of tax returns if self-employed
- Rough idea of monthly debts (car, cards, child support)
- Where the home is going, address, park name, or the parcel number
Pick the home, then we'll quote it
Browse the lot by beds, baths and section type, then call for a same-day price with your options and setup included.
Browse all homes