Factory-Built Home Financing Made Simple Acquiring financing is an essential step toward the purchase of a new home, but options for factory-built homes can seem limited, and the fine print can be confusing. Our team at Tennessee Happy Homes is knowledgeable and experienced in the current options and resources for home financing, and we can help you make sense of it all. We’ll help you find the loan that’s right for your unique financial situation, and ensure this part of your home buying process doesn’t delay your move-in or cause unnecessary frustration. We’re here to help you get a great deal on a new home you’ll love. Read on to learn more about the financing options we offer, or pre-qualify for a loan today—just complete and send the short form at the bottom of this page, and we'll get in touch. We have a $0 down payment option available with approved credit. We also finance ANY credit score!!! Bankruptcies are also ok!!! We have a 99 percent credit approval!!!