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Financing Your New Manufactured Home

Discover the best financing option for you at Timberline Homes of Lake Charles. We take pride in maintaining a no-pressure sales environment, and we’re happy to explain our available financing options.

Manufactured Home Financing Options

Land-Home

Land-home loans combine your owned land or land that you wish to purchase with the manufactured home you’re purchasing. In this case, a mortgage would be filed, and property taxes will be assessed annually. The benefit of this type of loan is that customers with mediocre credit may be able to qualify. The land-home process generally takes longer than other types of loans.

Land-in-Lieu

This type of loan is similar to a Chattel loan, except with this loan, you may use owned land-in-lieu of a cash down payment. You may also use a combination of both land and cash for your down payment.

Home-Only or Chattel

A home-only, or chattel, loan is when a customer is buying the home by itself without using land. This type of financing typically requires a down payment of at least 5% of the price of a home (including tax). A higher down payment will result in a lower rate of interest and may increase your ability to buy your home.

Get Financing Today

Ready to get started? Call us today and get more information about the different loan options available to you and find out which one best fits your needs

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Testimonials


Staff was super friendly and helpful! My first home is absolutely perfect for me! Thanks for making everything happen in such a short amount of time! Highly recommend buying a home from them.

Brandi Breaux