Build for Less!

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Estimated Installation Cost: NOTE This is a price guide only. Actual costs will vary depending on specific site conditions and by region

The estimated installation cost includes the following*:

Setting the home that you selected onto your foundation or building pad (This assumes normal lot conditions and does not include any extra costs to maneuver the home to your building site or any crane rental fees)
Installing blocking or piers under the home and levelling the home with shims
Anchoring the home to your foundation with tornado and/or hurricane proof anchors
Insulating the marriage line and bolting the various sections of your home together at both the floor and roof lines (if there is more than one section)
Finishing roof venting and ridge cap shingles
Installing siding on the ends with house wrap (if you selected the house wrap option with your home order)
Installing soffit and fascia on the ends of the home for the complete exterior finish
Estimates to hook up to existing utilities (you will have to add the cost of a new septic, well, electrical service, and also driveway and etc as needed on your site)
Estimate to complete the inside trim and finish work

Notes:

Add for concrete If a concrete foundation (slab or crawl space) is required, add an estimate of $10 per Sq Ft of home to this price guide (if you don't have an actual quote)

Add for skirting (Not needed if home is on a crawl space)

Add for A/C if not an option included by your manufacturer

Typical Investor funded projects

EXAMPLE # 1

Project Cost $160,000

    Includes Land (40,000) + Home (90,000) + Home Installation (30.000)

LESS Buyer Down Payment (20,000)

Balance 140,000

Management fee (10% of balance) 14,000

Investor capital (70% of balance = 61% LTV) 98,000

Home Nation capital (30% of balance) 42,000

Net to Investor at Buyer’s loan closing in

approximately 90 - 120 days

(50% of Management fee) $7,000

EXAMPLE #2

Project Cost(See VA loan pre approval here) 267,000

Less Buyer down payment (1,000)

Management fee(@10%) 26,000

Investor capital (@70% = 63% LTV) 187,000

Home Nation capital (@30%) 80,000

Net to Investor at loan closing in

approximately 90 - 120 days

(50% of Management fee) $13,350

Please select a state.

Get Financed through Home Nation

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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.

Advanced Loan Calculator

Step 1:

Home Nation Easy Form

Step 2:

Triad Application

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 can be as low as 3.5% (for an FHA 'end' loan) or up to 11.99% on a Chattel mortgage. Check with our Finance department for details.