Financing Options

Prestige Homes dedicated staff works with you to originate and close your loan with the least amount of hassle and the most convenience for you.

Our finance department has over 25 years experience in financing manufactured homes, allowing us to build strong lender relationships that continue to benefit our customers. With our knowledge of today’s financing market and the number of finance companies we work with, we are able to offer a wide variety of programs and the best available rates for all our customers and their unique finance needs. Here are just a few financing programs available to you.

Chattel or Home Only Loan
This type of financing uses the home only. It does not require that you place your land as collateral. The home can be located on your land in a park or on land of your choice.

Land & Home Financing (up to 30 yr. mortgage)
This is a real property mortgage combining Land & Home and any options needed, such as: Well, Septic, Driveway, Foundation, Garage, Landscaping or Decks. This type of financing offers mortgage rates that are the lowest on the market with downpayments starting from ZERO down & up.

Land in-lieu of Down Payment
This type of loan is perfect for the customer that wants ZERO downpayment, they can use the equity in there land or relatives land to use as their downpayment.

FHA Land & Home
Whether you’re a "1st Time Home Buyer" with absolutely no credit or looking for a home to retire in, this program may be the perfect fit. All you need is a job and 3 alternate sources of credit. Here are some examples if you have no credit. (Examples: utility payments, cable payments, rental history, insurance payments...etc...) There is also down payment assistance offered on this type of loan.

Buy For/Cosign Program
Home Only Loan not in buyers name or for buyers that need a little helping hand to get started. This loan is also for the customers who have had some credit problems, but really need a home. The person buying or cosigning must be a relative to the customer.

Trading in Your Present Mobile or Manufactured Home
We are one of the few dealers who still take trade-ins, and we welcome your trade. This is another way to have a ZERO downpayment.