Three lenders. We’ll pick the right fit.
We work with the largest manufactured-home lenders in the South, plus a couple of regional options. We’ll point you to the one that actually fits your situation — your credit, your land, the home you want — not the one that pays us best. Pre-qualifying takes about 10 minutes and won’t hurt your credit score.
Vanderbilt Mortgage
Largest manufactured-home lender in the country. Strong with first-time buyers.
Pre-qualify with Vanderbilt →21st Mortgage
Wide credit-tier coverage, including borrowers rebuilding credit. Quick decisions.
Pre-qualify with 21st →Triad Financial Services
Land-and-home and chattel options. Good for modular and double-wide buyers.
Pre-qualify with Triad →We don’t store any of your financial information on our side. Pre-qual happens entirely on the lender’s site.
Estimate your monthly payment
For homes placed on rented land or land you already own. Higher rates, shorter terms.
The money questions, answered plainly.
What kinds of loans cover a manufactured home?
Two main paths. A chattel loan finances the home by itself — faster to close, and the usual route when the home sits on family land or leased land. A land-home loan wraps the land, the home, and often the site work into one mortgage-style package. Which one fits depends on whether you own the dirt and how the home will be titled. We’ll point you to the lender partner that matches your situation.
Do I need perfect credit to get approved?
No. Our lender partners work across a wide range of credit profiles, and several specialize in manufactured-home lending specifically. Better credit means better terms, but a past ding doesn’t automatically end the conversation. The honest answer for your file takes one phone call, not a guess from a website.
How much do I need for a down payment?
It varies by loan type, lender, and credit — some programs run as low as a few percent down, others want more. A trade-in can cover part or all of it: we put a real number on your current home and apply it toward the new one. Land you already own can also work in your favor on a land-home package.
Can I roll delivery, setup, and site work into the loan?
Often, yes — land-home packages commonly include site prep, foundation, well or septic, and utility hookups in the financed amount. Chattel loans are narrower but can still include delivery and setup. Our quotes itemize those costs up front, so your lender sees exactly what’s being financed.
Does financing work differently for a modular home?
Usually to your advantage. Modular homes are built to the same residential code as site-built houses and sit on permanent foundations, so they generally qualify for conventional mortgages, including programs manufactured homes can’t use. If mortgage-style financing matters to you, tell us early — it may steer the home choice.
What paperwork should I have ready?
The usual: photo ID, recent pay stubs or income documentation, and details on the land — a deed if you own it, or the purchase contract if you’re buying. If you’re trading in, bring your current home’s title. With that in hand, most lenders can give you a real answer quickly.
Do you finance homes yourselves?
No — and that’s on purpose. We’re the dealer, not the bank. We work with outside lender partners and point you to the one whose program actually fits, not the one that pays us the most. The loan terms come from the lender, in writing, and we’ll walk through them with you before you sign anything.
Not sure where to start?
Call (864) 680-4030 or visit the lot. We’ll talk through your options for free, no commitment. Most folks have a clear answer in about 20 minutes.