Financing

Financing FAQs

1. I don’t have good credit. Can I still qualify? Yes! We work with lenders who offer financing options for a range of credit scores.
2. What is the required down payment? Down payment varies based on the loan program and your credit profile.
3. Can I purchase property in a loan package with a home? Yes! Many lenders offer land-home packages.
4. I don’t have money saved but I own my land. Can I qualify? Absolutely! Your land may be used as equity, reducing or eliminating upfront cash.
5. Can I qualify if I'm self-employed? Yes! You may need to provide additional documentation such as tax returns.
6. How do I start the loan application process? The first step is to fill out an inquiry form and speak with our team.
7. I had a car repossessed. Is there a loan program for me? Yes! Past credit issues don't automatically disqualify you.
8. What credit score do I need to qualify? Requirements vary by lender. Some programs accept lower scores.
9. Can I get financing with no credit history? Yes! Alternative credit programs may consider rent/utilities payment history.
10. How long does loan approval take? Typically a few days to a few weeks depending on the application.
11. Do I need to have my land paid off to qualify? No. Lenders can often include remaining land balance in the home loan.
12. Can I use a co-signer? Yes. A co-signer may improve approval chances.
13. Can I trade in my current mobile home? Yes. Trade-ins can help reduce your loan amount.
14. Are there programs with no down payment? Some options require little or no down payment, especially if you own land.
15. Will setup costs be included in my loan? Many lenders allow delivery/installation costs to be financed.
16. What interest rates are available? Rates vary based on market conditions, credit score, and loan type.