Financing Services

Stop Dreaming & Start Owning

At Pine Country Home Center, our in-house financing team can help you find a loan that will enable you to begin realizing your dreams of homeownership today. We work with you directly to help you carefully choose the type of financing that works best for you, and that won’t break the bank. Our team has the knowledge and resources to guide you through this process, and we work tirelessly to find solutions to your financing needs. The time is now for you to capitalize on the affordable housing options we offer! Start your path to home ownership today — Pine Country Home Center is here for you, every step of the way.


The Right Loan For Any Home Purchase

Land/Home Financing

Also known as a Conventional Mortgage, a Land/Home loan offers homebuyers significant advantages for buying a manufactured home and land together. These home loans may offer a convenient front-end one-time close, and site improvements can be financed into them. You may not need to pay monthly Private Mortgage Insurance (PMI), and you may be able to buy down the loan’s interest rate. In addition, no permanent foundation or survey is mandated. Conventional Mortgages can carry longer loan terms, and closing costs and points can be financed into them, reducing your out-of-pocket closing costs.

Home Only Financing

Also known as Chattel Mortgages, these are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to real property. Down payment requirements for Chattel home loans can be as low as 5%, with terms usually capped at 20 years. Interest rates for Chattel mortgages are typically 3-4% higher than traditional mortgages. At Pine Country Home Center, we understand the advantages this unique form of home financing offers to buyers of manufactured and modular homes. We can help you qualify for it, and enable you to purchase a new home you love at any budget.

FHA & VA Home Financing

If you’ve had some past credit challenges, but you currently have the ability to repay a mortgage, then FHA manufactured and modular home loans present an excellent opportunity. In many cases, these home loans carry lower credit score and down payment requirements than conventional home loans — this means credit challenges in the past, or a lack of established credit, will not automatically deter you from obtaining an FHA home loan. The VA offers factory-built home financing to active duty military, veterans, and their spouses. As with FHA loans, VA home loans have lower credit requirements, but they carry significant additional benefits too — you may be able purchase your new home with no money down, you won’t need to make monthly PMI payments, and the home appraiser is selected independently by the VA, which means the lender has little or no control over the appraisal process.

Get Pre-Qualified to Buy a Home

What They Say About Us

I went to other dealerships in the area, but no one treated me as well as Pine Country Home Center. Their honesty and kindness earned my business, and I tell all my friends and family about how great Nick and his team are. My home is the best one on the block and I’m so glad to not be renting anymore. Thank you guys, God Bless.

Pino & Reina Castillo
Bluff City, AR

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