Home-only loans
A loan for the manufactured home when land is not part of the same deal.
Financing made clear
What home payment fits your budget?
Start with a simple estimate. Then Melanie can help you compare lenders and the home price that feels right.
Loan approval, rate, and terms depend on the lender and your full application.
- Multiple lender paths, explained in plain English
- Programs for strong credit, bruised credit, and first-time buyers
- Land-home and home-only financing conversations
- Real people who will walk the numbers with you
Ways to finance
Which loan may fit your home?
The right path depends on the home, land, credit, income, and delivery site. We help you ask the right questions.
Land-home loans
One loan may cover the home, land, and approved site work.
FHA loans
A government-backed path that may help qualified buyers with a lower down payment.
USDA loans
A path worth checking for eligible rural homesites in North Texas and Texoma.
VA loans
A possible option for eligible veterans, service members, and some surviving spouses.
Trade-in value
Your used manufactured home may help with a down payment on a new home.
Why financing can stay simple
We help match buyers with lender paths that actually fit.
You do not need to figure out chattel, land-home, FHA, VA, or USDA on your own first. We help narrow the path before the paperwork gets heavy.
- Home-only loans
- Land-home financing
- Government-backed options
- Real-person help
Lenders we work with
Financing partners buyers ask about most.
A few of the lenders and financing partners we regularly help buyers compare.
21st Mortgage
Cascade
Triad Financial
Credit Human
Start with the numbers
See a realistic home-price range before you apply.
This is a fast comfort-range estimate, not a lender decision. It gives buyers a clean starting point instead of guessing.
Four simple steps
How does financing start?
Start with facts, not pressure. We help you move one clear step at a time.
- 1
Pick a price range
Choose a monthly payment and home price that leave room for real life.
- 2
Share your plan
Tell us about land, trade-in, timing, income, and the home you like.
- 3
Compare lenders
We can point you to lenders that work with manufactured homes.
- 4
Review before you sign
Check the rate, payment, fees, delivery, setup, and total project cost.
Financing questions buyers ask us first
Can I finance a manufactured home through New Start?
New Start can help buyers explore manufactured-home lenders and possible home-only or land-home paths. Approval, down payment, rate, term, payment, and closing requirements depend on the lender, buyer, selected home, property, and complete application.
Are no-money-down manufactured-home loans available?
Some qualified buyers may have financing paths requiring little or no additional cash down. Eligibility depends on the lender, buyer, selected home, land or usable equity, project costs, and complete transaction; zero down is not available to everyone.
Can I finance a home and land together?
Some eligible land-home programs can combine a new manufactured home and qualifying property in one transaction. Certain approved site costs may also be considered. The lender must review the borrower, land, home, appraisal, and full project.
What if I already own the land where the home will go?
Tell New Start early. Owned land changes the conversation about home-only or land-home financing, possible equity, delivery access, utilities, site preparation, setup, restrictions, and total budget. The lender and responsible authorities confirm what qualifies.
Can land equity help with my down payment?
Possibly. If you own the property, some lenders may count usable land equity toward their required down payment. They determine the land's acceptable value, liens, usable equity, program fit, and whether additional cash is needed.
How much down payment will I need?
There is no universal down payment. It varies by lender, borrower, credit profile, income, debt, selected home, property, loan program, available land equity, and complete transaction. A lender must review the actual application.
Do I need to choose a home before applying for financing?
Not necessarily. Establishing a realistic budget first can narrow the home size, builder, options, and total project you should compare. Final approval still depends on the selected home, property, verified documents, and underwriting.
What costs should I include in my financing budget?
Depending on the project, include the new home, factory options, land, freight, delivery, setup, site preparation, foundation or anchoring, utilities, permits, taxes, insurance, and lender costs. Ask which items can or cannot be financed.
Ready when you are
Bring us your estimate and we'll turn it into a real conversation.
Whether you're ready to prequalify now or you just want someone to sense-check the numbers, the next step is the same: talk to a human who can explain the path clearly.