Financing Services

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!!!

The Right Loan For Any Purchase


Also called a Conventional Mortgage, a Land/Home loan offers homebuyers many advantages for purchasing a manufactured home and land together. This type of loan offers a convenient front-end one-time close, and site improvements can be financed into them. You won’t be required to pay monthly Private Mortgage Insurance (PMI), and you may be able to buy down your interest rate. In addition, no permanent foundation or survey is required. You may qualify for longer loan terms, and closing costs and points can be financed into the loan, reducing your out-of-pocket closing costs.


Also known as Chattel loans, these are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to real estate. Down payment requirements can be as low as 5%. Terms for these loans are usually capped at 20 years. The interest rates are typically 3-4% higher than the traditional mortgage loan. At Tennessee Happy Homes, we’re well-versed in this financing option and can help you qualify for it, enabling you to purchase the home you’ve been dreaming of.


At Tennessee Happy Homes, we’ve led hundreds of homebuyers to empowering financing options, enabling them to purchase the home’s they’ve been dreaming of. It’s our pleasure to help you and your family find the home loan that works best for your unique situation. If you plan to move into a community, our Chattel financing experts have you covered. If you own the land you plan to place your manufactured home on, we’re here to help you too. And, if you plan to purchase land and a home together, we can help you take advantage of the benefits of a Conventional mortgage. Our professional team at Tennessee Happy Homes is committed to getting you the most home for your money — and this includes getting the best loan for your home!

Get Pre-Qualified to Buy a Home