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Financing

If you are considering financing your home please see a list below of approved lenders that have experience with manufactured home loans.

If you are thinking about working with another lender please contact us regarding their approval process.

Loan Programs

  • Home and Land

    You don't have land yet and want to bundle the purchase of the land and home into one closing.

    • Can include well, septic, and land clearing

  • Land in Lieu

    You already own land or are gifted and want the land to be considered your down payment.

    • Zero down options available
    • Down payment can be Cash, land or combo

  • Home Only

    If you don't want to include the land as collateral you can just finance the home.

    • Available for Land Lease Communities
    • 650+ credit score as low as 10% down
    • Sub 650 credit score considered with 35% down

21st Mortgage

21st Mortgage specializes in manufactured home loans and has been the National Lender of the Year for manufactured housing since 2011.

21st Mortgage offers a variety of loan programs.

  • Home and Land Loans.
  • Home Only Loans.
  • Loans in Land Lease or Co-Op Communities

Submit An Application

Learn More About 21st Mortgage

Triad Financial

Based in Jacksonville, Florida, Triad offers mobile and manufactured home loans.

You can contact Clayton Goolsby directly at 386-855-1230.

  • Home and Land
  • Home Only
Learn More About Triad

CrossCountry Mortgage

CrossCountry Mortgage was named the Nation's #1 Retail Mortgage Lender for the second year in a row in 2025, averaging 435 funded loans per day and helping 88,000 borrowers.

You can contact Erika Alves directly at 813-431-1521.

  • Home and Land Loans
  • Home Only Loans

Submit an Application

Learn More About CrossCountry

Cascade Financial

Since 1999, Cascade Financial specializes in manufactured home loans and has grown to be one of the most trusted lenders in the manufactured home lending industry. The have received the Regional Lender of the Year Award for manufactured housing 6 years in a row.

  • Home and Land
  • Home Only

Submit an Application

Learn More About Cascade

Clear Modern Mortgage

A subsidiary of American Pacific Mortgage, Clear Modern Mortgage offers manufactured home construction loans.

You can contact Mike McGavin directly at 813-716-4951.

  • Home and Land
Learn More About Clear Modern Mortgage

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