A manufactured home on your land, financed like a house.

Tyler, a younger veteran, already owned land that had been gifted to him and wanted to place a new double-wide on it while keeping his existing home for the time being. The land's value offset the closing costs and prepaid items, letting him complete a roughly $220,000 VA one-time-close loan without bringing money to closing. When an unexpected issue came up running power to the new home, the construction loan funded that work through a direct payment to the local power board rather than routing it through the dealer. Tyler completed the home while keeping the flexibility to sell or rent his previous residence afterward.

Pete came to us through a referral after working with four or five manufactured home dealers before landing on Clayton Homes of Alcoa. He and Susan owned a few acres with a small, older home already on the property, so they had the land surveyed and divided off a portion for their new home to sit on. Underwriting and the appraisal went smoothly, but the new survey brought several county reviews and sign-offs that took longer than anyone expected. Nobody did anything wrong; the process simply took time. Pete and Susan are now under construction on their FHA one-time-close loan.

Lydia came to us through a referral from a realtor friend, ready to place a new manufactured home on land she already owned free and clear. She chose her home through Preferred Choice Homes of Johnson City, and with strong qualifications, a conventional one-time-close loan was a natural fit. Her land's value went toward the down payment, and she chose to add some of her own cash on top of it, bringing her total down payment to about half the project's value. That left her with a relatively small loan amount and a payment she felt good about.