Easy Financing for Your New Home
Low Payments, Easy Approvals, No Stress
Want more information on our financing programs? Click the button below to get started!
Disclaimer: Financing is subject to lender approval, creditworthiness, and terms. Titan Factory Direct is not a lender and does not guarantee financing. Rates, terms, and offers may vary and are subject to change without notice. Additional conditions may apply. Contact us for details.
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Financing FAQs
- I don’t have good credit. Can I still qualify? Yes! We work with lenders who offer financing options for a range of credit scores. Even if your credit isn’t perfect, there may still be loan programs available to help you purchase a home.
- What is the required down payment? The required down payment varies based on the loan program and your credit profile. Some lenders offer low down payment options, and if you own land, you may be able to use it as equity.
- Can I purchase property in a loan package with a home? Yes! Many lenders offer land-home packages, allowing you to finance both the property and home in one loan.
- I don’t have money saved but I own my land. Can I qualify for a loan? Absolutely! If you own land, you may be able to use it as a down payment, reducing or eliminating the need for upfront cash.
- Can I qualify if I’m self-employed? Yes! If you're self-employed, you may need to provide additional documentation, such as tax returns or bank statements, but there are financing options available.
- How do I start the loan application process? The first step is to fill out a loan application. Our team can guide you through the process and help you find the best financing option for your needs.
- I had a car repossessed. Is there a loan program for me? Yes! Past credit issues, including repossessions, don’t automatically disqualify you. Many lenders consider factors like time since the repossession and your current financial situation.
- What credit score do I need to qualify? Credit score requirements vary by lender and loan program. Some programs accept lower scores, while others may require a higher score for better terms.
- Can I get financing with no credit history? Yes! Some lenders offer alternative credit programs that consider factors like rental history, utility payments, and other financial records.
- How long does the loan approval process take? The loan approval process typically takes a few days to a few weeks, depending on the complexity of your application and the lender’s requirements.
- Do I need to have my land paid off to qualify? No, you don’t have to own your land free and clear. Lenders can often include your remaining land balance in the home loan.
- Can I use a co-signer to help me qualify? Yes! Adding a co-signer with strong credit and income can help improve your chances of approval.
- Can I trade in my current mobile home as part of my financing? Yes! We allow trade-ins, which can help reduce your loan amount. Our team can evaluate your current home and see if it qualifies for trade-in value.
- Are there loan programs with no down payment? Some financing options require little to no down payment, especially if you own land or qualify for special loan programs.
- Will home setup costs be included in my loan? Yes! Many of our lenders allow you to finance costs such as delivery, installation, and utility connections in your loan package.
- What interest rates are available? Interest rates vary based on market conditions, credit score, loan type, and lender. We can help you explore options to find the best rate available.
- Can I get financing if I’ve had a bankruptcy? Yes! Some loan programs allow financing after bankruptcy, depending on how much time has passed and your current financial situation.
- Are there special financing options for veterans? Yes! Veterans may qualify for VA loans or other financing options with favorable terms.
- Can I finance a home as a first-time buyer? Yes! There are financing programs designed specifically for first-time homebuyers, including down payment assistance and flexible credit requirements.
- Can I get pre-approved before choosing a home? Yes! Getting pre-approved helps you understand your budget and speeds up the buying process once you find the right home.
