Financing Options
At Swift Sell Properties, we partner with trusted third-party lenders to make financing mobile and manufactured homes simple and transparent. Whether you’re buying a home in a park, purchasing land with a home, or investing in a fix-and-flip, there’s a financing solution for you.
🏡 Home-Only Financing (Chattel Loans)
Perfect if you’re buying a mobile or manufactured home in a park or on leased land.
What to Know:
Loan is secured by the home itself (not the land).
Typically shorter terms and higher interest than mortgages.
Flexible down payments and credit requirements.
Some have no credit requirements.
ITIN accepted.
Lenders We Work With:
Triad Financial Services
Vanderbilt Mortgage & Finance (VMF)
21st Mortgage Corporation
🌳 Home + Land Financing (Mortgage Loans)
Ideal if you’re purchasing land together with your home, or permanently affixing a home to land you own.
What to Know:
Loan covers both home + land.
Longer terms (20–30 years).
Lower interest rates compared to chattel loans.
Requires permanent foundation and compliance with HUD codes.
Lenders:
Any traditional lender or broker as long as home is retired to the land and has not been moved.
FHA
USDA
VA
Conventional Lenders and brokers
💰 Hard Money Loans (Fix & Flip Financing)
Designed for investors needing fast funds to purchase, rehab, and resell land-tied properties.
What to Know:
Short-term, asset-based loans secured by the property.
Terms typically 6–18 months.
Loan-to-Value (LTV): up to 65–75% of After-Repair Value (ARV).
Rates usually 10–14% with 1–4 points at closing.
Fast closings (often 5–10 business days).
Best For:
Fix & flip projects.
Quick purchases where speed matters.
Bridge loans until long-term financing is secured.
Choosing the Right Option
Home in a park? → Chattel loan.
Buying land + home together? → Mortgage loan.
Fix & flip investor? → Hard money loan.
👉 At Swift Sell Properties, we’ll guide you to the right lender, explain the requirements, and walk with you from application to closing.
