Tiny Home Financing Options
Financing a tiny home depends on how the home is built and how it will be used. Today, buyers have more options than ever—especially with the introduction of HUD-code manufactured homes that qualify for traditional real estate financing.
Note: Tiny Life is a park model dealer and we do not directly offer tiny home loans or financing. This information is to help our potential customers easily complete their purchase through one of our preferred lending partners. For questions on financing terms and requirements, please contact the lenders directly.
Our Preferred Lending Partners
We work with a network of trusted lenders who specialize in tiny home financing, manufactured home loans, and park model financing. Each lender offers different programs depending on your home type, land ownership, and financial profile.
If you need assistance with any of these applications, please contact our finance manager at 828-266-0579 or financing@tinylife.com.
21st Mortgage Corporation
A top-notch lender that specializes in park model RVs. They require a minimum 650 credit score and at least 10% of the financed amount as a down payment. Terms can go up to 25 years and the interest rate is based on your down payment and credit score among other factors. This lender is only available for new homes that are purchased or ordered at our sales center.
Triad Financial Services
Triad Financial Services, Inc., is a trusted leader in the world of manufactured & mobile home loans! With more than 65 years of lending experience, we are a top choice for Borrowers, Dealers, Lending Institutions, and Realtors nationwide. Our mission is simple: to be the friendliest, hardest working, and most service-oriented mobile and manufactured home finance company in the business.
Priority One Financial Services
Another top-notch lender that specializes in park model RV financing. They require a minimum 720 credit score and at least 20% of the financed amount as a down payment. Terms can go up to 20 years and the interest rate is based on your down payment and credit score among other factors. With Priority One, you must provide proof of a separate primary residence other than where the park model home will be placed.
CrossCountry Mortgage
This lender offers a park model RV financing solution for homes that are going into a tiny home or park model community where you will be leasing the lot the home will go on. They require a minimum 550 credit score and at least 5% of the financed amount as a down payment. With CrossCountry, you must also provide proof of a 12 month history on paying a car loan, mortgage, or a residential lease.
Union Home Mortgage
They provide financing for HUD homes through FHA loans, which are ideal for these properties due to low down payments (as low as 3.5%) and flexible credit requirements. UHM is an approved direct lender for government-insured loans (FHA, VA, USDA) and assists with the purchasing process.
Nantahala Bank
This is a locally owned community bank headquartered in Franklin, North Carolina. Founded in 2004, it provides full-service financial solutions, including personal and business banking, lending, and mortgage services, primarily serving the Western North Carolina region.
Tiny Home Financing FAQs
Tiny home loans for park model homes are usually treated as personal property loans, while HUD-code manufactured homes can qualify for real estate loans when placed on a permanent foundation.
Yes, but typically only with HUD-code manufactured homes. These homes can be financed with land under a single mortgage if they meet real property requirements.
HUD-code manufactured homes may qualify for traditional mortgage financing, including FHA, VA, or conventional loans, depending on eligibility.
Credit requirements vary by lender and loan type. Personal property loans often have more flexible requirements, while mortgage-style loans for manufactured homes typically require stronger credit.
Portable tiny home loans generally have higher interest rates due to shorter terms and higher risk. Manufactured home loans tied to real estate often have lower, more competitive rates.
Personal property loans can often be approved more quickly, sometimes within days or weeks. Mortgage-style loans for HUD homes may take longer due to appraisals, underwriting, and land requirements.
Yes. Many lenders offer financing for portable or park model homes without requiring land ownership. However, real estate loans typically require the home to be placed on owned or financed land.