Financing
ALL CREDIT SCORES CONSIDERED WITH LAND + VERIFIED INCOME
If you own your land, or have a downpayment, we may have a lending program that fits your needs.
Fill out this 5 minute form to see if you're eligible for a home loan. We'll get back to you in 1-2 business days.
Buying a mobile home can be a big financial commitment, but that doesn’t mean it has to be hard. In fact, with Home Nation’s mobile home financing, we make it easier than ever.
Regardless of your financial situation, our mobile home loans will help you to build your new property from the ground up. Our Lenders specialize in mobile home loans of all types, as well as conventional loans.
Use the mobile home loan calculator on this page to work out your costs and, when you’re ready, fill out the form below. One of our representatives will be in touch with you shortly to discuss your next steps.
Loan Calculator
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Do you offer financing?
NO, we are not a bank, HOWEVER we have many lenders who are keen to earn your business but their requirements vary considerably. Below is a summary of some of the conditions that you may expect.
What kind of credit do I need to qualify?
Lenders generally look for a 620 score or higher for competitive financing, but can sometimes finance lower scores. (Certain conditions apply)
Does Home Nation offer a Credit COUNSELLING program?
Yes and No. WE do not do Credit COUNSELLING, however we have capable credit consultants on staff who will be able to advise you how to repair your own credit, and save up for a home deposit at the same time.
How much down payment is needed?
Your credit will determine what down payment that you will need. It can be anywhere from $0 down with excellent credit to 35% down with poor credit.
Can I use my land for collateral?
Yes, if you own land it is possible to use that land as part or all of your down payment. (Certain conditions apply)
Do we offer any discounts?
Yes, we offer military discounts (active or retired) and also discounts for repeat customers.
Do we take trade ins?
We will CONSIDER trade in homes as long as they are in decent condition. (Certain conditions apply)
Do we sell Used Homes/Repo Homes?
Yes, we sell some used/repo homes. However you cannot easily get financing on a used home, you will need all cash.
Can land improvements and utility installations be financed?
Yes (Certain conditions apply)
What kind of interest rates can I get?
There are many factors determining the rate: credit score, down payment amount, job history, type of loan, type of home, etc. Rates will be going market rate. A Chattel mortgage can range from 8% to 12%. Check with our Finance department for details.
