How Does In-House Mobile Home Financing Work?
No bank, no credit score gatekeeping — here's the actual 4-step process from application to move-in.
"In-house financing" gets used loosely across the mobile home industry, and it doesn't always mean the same thing from one dealer to the next. Here's exactly how it works with TNMH — what we look at, what counts as a down payment, and how long it takes.
Why in-house financing is different from a bank loan
We work with specialty lenders who understand manufactured homes and manufactured home buyers specifically — not a general bank underwriting a mortgage against standard real estate rules. That difference shows up in three ways: credit history, down payment, and income type.
No credit? No problem.
We've helped buyers with no credit history, bad credit, and past bankruptcies become homeowners. The application looks at the full financial picture, not just a three-digit score. If a bank has already turned you down, that's not necessarily the end of the road here.
Land equity can serve as your down payment
If you already own land, its equity can serve as your down payment — meaning you may be able to move into a new home with little to no cash out of pocket. This is one of the biggest differences from a typical bank mortgage, where a cash down payment is usually required regardless of what else you own.
All income types considered
Whether you're employed, self-employed, on Social Security, or on disability — if you have verifiable income, we'll find a path. Self-employed and fixed-income buyers in particular often get automatically screened out by conventional bank underwriting; that's not how this process works.
The 4-step process
- Apply. Submit the online financing application — takes a few minutes.
- We review and match you. Our team reviews your application and matches you with the right lender and home options based on your situation.
- Choose your home. We help you pick the right home for your budget and family from our current inventory.
- Move in. We handle delivery, setup, and everything in between. Most homes deliver in 30-90 days.
Already own land? Bring that into the conversation early — it changes what your down payment looks like and can significantly speed up approval.
FAQ
Does in-house financing require a credit check?
We look at your full financial picture rather than relying on a credit score alone. We've helped buyers with no credit history, bad credit, and past bankruptcies become homeowners.
Can I use land I already own as a down payment?
Yes — if you own land, its equity can serve as your down payment, potentially letting you move into a new home with little to no cash out of pocket.
Does self-employment or disability income qualify?
Yes — employed, self-employed, Social Security, and disability income are all considered, as long as the income is verifiable.
How long does the process take from application to move-in?
Most homes deliver in 30-90 days after you're matched with financing and choose your home. Exact timing depends on the home and your specific situation.
Ready to start your application?
Apply online and browse homes while you wait to hear back.