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Financing Your Manufactured Home

We work with most major financial institutions and have a variety of finance programs available to suit most everyone’s financial picture — even if there are some credit issues. At Affordable Homes of Defuniak, we make your dream home affordable! Contact us about loan programs for clients with credit scores as low as 575!

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Finance Programs for All Situations

At Affordable Homes of Defuniak, we pride ourselves on placing customers into the home of their dreams. We realize that every credit situation is unique. We strive to offer a program that will fit your family’s financial wants and needs. Now is the time to start the process of home ownership. If you’re ready to get pre-approved for a home, or have any questions, please contact us at 850-520-5082

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Exploring Manufactured Home Financing Options

In addition to building the best home on the market, Affordable Homes of Defuniak, a Division of Ranch USA Homes offers access to multiple avenues of finance to purchase your new home. Simply put we want your business and work hard to offer you options that fit your family’s financial needs. We are proud to offer finance programs that fit all credit situations.


Here are your options:


Some buyers may choose to purchase their home outright and pay cash.

Home Only or Chattel Financing

This is a loan only on the home and does not encumber one's land. A minimum down payment of 5% is required, however, higher credit scores may qualify for no money down.

Land-in-Lieu Financing or Land Plus
Use your land as your down payment. Many customers choose this option in lieu of investing cash as a down payment. In this situation, the land is collateral for the mortgage. Appraised values of the land do have a bearing on the down payment.


Land Home Loan
This loan allows you to purchase the home, land, and land developing (clearing, septic/sewer, utlities, etc.) all at one time.


Equity Program

This option does not require a minimum credit score and is available to all buyers. Down payment may be higher than other programs.


Buy for Loan

This option allows a relative or friend to purchase the home for another individual. This loan is typically used if the occupant of the home has poor credit or is not working.



This options helps an individual or couple qualify for a loan if they have limited or not credit history.


Secondary Residence Loan

This option is for vacation homes or other non-primary residences. Down payments are typically higher than other programs.


Conventional Mortgages
Affordable Homes of Defuniak has the ability to assist you in securing the best mortgage for your new home from some of the top lenders in the country specializing in manufactured and modular housing loan programs.


Finding the Right Lender


We’re on your side! Affordable Homes of Defuniak ⎯⎯ Northwest Florida’s Premier Home Center has teamed up with the nation’s best manufactured home lenders to offer you a variety of financing options to suit your lifestyle and more importantly, your budget. Financing your manufactured home is easy with the right lender. At Affordable Homes of Defuniak, we are not only going to help you own a high-quality, energy-efficient manufactured home, but we are also going to help you locate the best financing for your investment.

Questions About Financing?

Have questions about your financing options? Let us help!

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