Financing Services

Factory-Built Home Financing, Made Easy

Obtaining a mortgage is an essential step toward buying a new home, but options for factory-built homes can seem limited, and the details can sometimes be confusing. At Kite Bros. Manufactured Homes, our team has experience with the current options and resources for manufactured home and modular home financing. We can make sense of all the financial jargon and processes, and provide reliable resources to lenders that can help you find the loan that you can afford, without breaking your budget. We’ll help you find a home loan that’s right for your particular financial situation, and make sure you’re able to do so without delay or unwanted stress. It is our mission to help you any way we can to secure the financing needed to get you and your family the home of your dreams, and we are excited to help you get started.

The right loan for any purchase

Land/Home Financing

Also known as a Conventional Mortgage, a Land/Home loan offers homebuyers significant advantages for buying a manufactured home and land together. These home loans may offer a convenient front-end one-time close, and site improvements can be financed into them. You may not need to pay monthly Private Mortgage Insurance (PMI), and you may be able to buy down the loan’s interest rate. In addition, no permanent foundation or survey is mandated. Conventional Mortgages can carry longer loan terms, and closing costs and points can be financed into them, reducing your out-of-pocket closing costs.

Home Only Financing

Also known as Chattel Mortgages, these are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to real property. Down payment requirements for Chattel home loans can be as low as 5%, with terms usually capped at 20 years. Interest rates for Chattel mortgages are typically 3-4% higher than traditional mortgages. At Home Nation, we understand the advantages this unique form of home financing offers to buyers of manufactured and modular homes. We can help you qualify for it, and enable you to purchase a new home you love at any budget.

FHA Home Financing

If you’ve had some past credit challenges, but you currently have the ability to repay a mortgage, then FHA manufactured home and modular home loans present an excellent opportunity. In many cases, Federal Housing Administration home loans carry lower credit score and down payment requirements than conventional home loans, which means credit challenges in the past, or a lack of established credit, will not automatically deter you from obtaining an FHA home loan. Give us a call, or fill out the form below, and we can start helping you consider the financing options that are right for you and your family!

Let us help you get started


What They Say About Us

I think if anyone is in the market to buy a manufactured home they should definitely go see Kite Bros. Homes, The team are all great people and will get you the deal you need!! Some of the kindest people work here, and I would never suggest anyone else. Why work with others when the best at what they do are here at Kite Bros?

Elizabeth Sylvan