Whether you are looking to place your home in a community, purchase land alongside your build, or utilize existing property equity, we have a diverse range of financing options tailored to your specific needs. Our curated selection of programs includes specialized home-only chattel loans, standard real property land-and-home packages, and flexible government-backed options like FHA and VA loans for permanent foundations. For those seeking an alternative to traditional property liens, we also offer access to unsecured consumer financing options that function like cash. No matter where you plan to build or what your financial profile looks like, there is a seamless path to help make your homeownership goals a reality.

For more information, or to get started with your choice of financing, contact us.

These loans are designed specifically for the structure itself, making them ideal if you are buying a home to place in a community, on leased land, or on land you already own.

• Flexible Choice Program
• Loan Amount: Minimum $15,000 with no maximum limit.
• Terms: 10 to 25 years.
• Down Payment: Typically 15% down, though a 5% down payment is available for well-qualified buyers.
• Requirements: Must be an owner-occupied property. No mortgage insurance is required.
• Geographic Availability: AL, CO, FL, IA, IL, IN, KS, KY, MI, MN, MO, NC, ND, NE, OH, OK, PA, TX, UT, WI, WY.
• Standard Structure Program
• Loan Amount: Minimum $50,000 up to a maximum of $450,000.
• Terms: 20-year term.
• Down Payment: Standard 15% down payment (5% down option available if you qualify).
• Details: This is a full-documentation loan that places a standard lien (title) on the home. Interest rates vary based on your credit score and verified income.
• Community & Leased Land Program
• Details: Provides financing options for new or used, single or multi-section homes located in a community or on leased land.
• Geographic Availability: Available in all states except AK, CT, DE, HI, ME, MA, NE, NJ, NV, NH, RI, SD, VT.

If you want to finance both your home and the land it sits on together, these programs bundle everything into a single mortgage.

• Land/Home Real Property Loan
• Details: Secures your property and your home together under a single monthly payment. It closes as real property and may offer distinct tax breaks alongside land ownership.
• Geographic Availability: Available in all states except AK, CT, DE, HI, ME, MA, NE, NJ, NV, NH, RI, SD, VT.
• LandPlus Equity Program
• Details: This option allows you to utilize the equity in a property you currently own to cover your down payment, eliminating out-of-pocket closing costs.
• Requirements: The existing land must be fully in your name prior to closing.
• Geographic Availability: Available in all states except AK, CT, DE, HI, ME, MA, NE, NJ, NV, NH, RI, SD, VT.

For homes attached to a permanent concrete foundation, you can access traditional government-backed financing with flexible credit guidelines.

• General Requirements
• Structure: Must be attached to a concrete foundation. There is no minimum square footage requirement (under 400 square feet is acceptable).
• Loan Amount: Minimum $50,000 loan amount.
• Credit Score: Minimum 580 credit score required.
• FHA Foundation Loan
• Down Payment: 3.5% down payment.
• Details: Offers flexible credit requirements and low interest rates. Includes a rate lock option for up to 90 days during construction.
• VA Foundation Loan
• Down Payment: 0% down payment.
• Details: Available for active-duty service members, veterans, or eligible surviving spouses. Offers low interest rates, requires no monthly private mortgage insurance (PMI), and includes a construction rate lock option.
• One-Time-Close Option
• Details: Combines your land purchase and the construction/installation costs into a single loan closing (available for FHA, VA, and conventional FNMA programs).

If you prefer a fast, flexible personal loan that does not place a lien or title restriction on your home, this consumer program acts like cash.

• Recreational Consumer Loan
• Loan Amount: Up to a maximum of $100,000 total balance per applicant.
• Terms: 12-year term.
• Down Payment: 0% down payment required (unsecured loan).
• Details: This program processes through a standard consumer portal under the RV/Trailer recreation category. It offers a quick turnaround time, with credit decisions typically delivered within 24 to 48 hours.