Manufactured Home Financing
Affordable options to make your homeownership easier—tailored for factory-built homes.
Options For Every Homebuyer
Buying a home is exciting, but we know financing can feel overwhelming. At Suncrest Homes in Zephyrhills, FL, we’ve partnered with trusted lenders who specialize in factory-built homes to make the process easier for you.
21st Mortgage offers land home financing and home only financing. No down payment needed with land even with lower credit scores. Use Dealer Code: 1521.1
Cascade Financial is a land home lender and private land home only lender specializing in FHA, VA and Conventional Loans.
Triad Financial Services is a home only specialist mortgage lender that focuses on manufactured community home financing.
Flexible Financing Options
Our lenders offer financing for both:
Special Financing for Challenged Credit
If your credit score is low, we have a unique program designed to help whether it’s land or large down payments. Here’s what you need to qualify:
**For credit scores of 600 or higher, only 5% down is required with a qualifying DTI.
Government Backed Loan Programs For Manufactured Homes
For years, local, state, and federal governments have recognized the benefits of homeownership—not just for individuals and families, but for the economy as a whole. To make homeownership more accessible, especially for those who might not qualify for traditional loans, the government has created three key loan programs designed to help people purchase factory-built homes.
These programs include features like a financeable upfront mortgage insurance premium. Additionally, FHA and USDA loans include a small monthly insurance premium to cover the cost of insuring the loan.
FHA Home Loans
FHA loans, backed by the Federal Housing Administration, offer low down payments (as little as 3.5%) that can come from cash, trade, or land equity. Sellers like Suncrest Homes can also cover most or all of the buyer’s closing costs. With easier credit requirements, FHA loans are a popular choice for first-time homebuyers.
VA Home Loans
VA loans help qualified U.S. Veterans purchase factory-built homes with as little as $500 down and no monthly mortgage insurance. Sellers can cover closing costs, and Suncrest Homes proudly donates $200 to the Wounded Warrior Project for each home purchased by a veteran. Eligibility is based on your service history.
USDA Rural Development Loans
USDA loans help low- to moderate-income buyers in eligible rural areas purchase safe and affordable homes. With 100% financing and as little as $500 down, buyers can secure a home and land package with reduced risk for lenders through a government-backed loan guarantee.