Financing Services

Factory-Built Home Financing Made Easy

Acquiring a home loan is an essential step toward the purchase of a new home, but options for manufactured homes can seem limited, and the details can be confusing. At River Bluff Custom Homes, we can help you make sense of it all. We’ll help you find the financing option that’s right for your personal finances, and ensure this part of the 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 quality home you’ll love.

At River Bluff Custom Homes, we offer our customers many unique financing options and resources. We’ve worked hard to build relationships with respected lenders, and we’ll work together to find the loan that works best for you. Read on to learn more about the manufactured home loan options we offer, or pre-qualify for financing today simply by filling out the short form at the bottom of this page—we’ll get right back to you!

The Right Loan For Any Purchase


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—perfect for a new home at River Bluff Custom Homes. 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. We’ve helped many happy residents purchase their homes through this financing option. We can help you, too, enabling you to purchase the home you’ve been dreaming of.


If you’ve had some credit challenges in the past but currently have the ability to repay a mortgage, then FHA modular and manufactured home loans are an excellent option for you. In many cases, these loans have lower credit score and down payment requirements than conventional loan products—this means past credit challenges, or no established credit, will not automatically deter you from obtaining an FHA home loan.


The VA offers manufactured and modular home financing to active duty military, veterans, and their spouses. Like FHA loans, VA home loans have lower credit requirements, but they also carry significant additional benefits—you may be able purchase your new home without a down payment, you won’t have to make monthly PMI payments, and the home appraiser is selected independently by the VA, meaning the lender has little or no control over the appraisal process.