Financing Your Home
FHA, USDA, VA, and conventional loans — including zero-down options. We make financing simple, transparent, and stress-free.
FHA Loans
Down: 3.5% minimum
Credit Score
580+ (some lenders accept 500–579)
- ✓Government-backed, lower qualification barrier
- ✓Down payment as low as 3.5%
- ✓Available for manufactured homes on permanent foundations
- ✓Great for first-time homebuyers
Best for
First-time buyers and those with limited down payment savings
USDA Loans
Down: 0% (zero down)
Credit Score
640+ recommended
- ✓100% financing — zero down payment
- ✓For eligible rural and suburban areas
- ✓Below-market interest rates
- ✓No maximum purchase price limit
Best for
Buyers in rural areas like Rogersville, Athens, and surrounding counties
VA Loans
Down: 0% (zero down)
Credit Score
580+ (varies by lender)
- ✓Zero down payment for eligible veterans and active-duty service members
- ✓No PMI (private mortgage insurance)
- ✓Competitive interest rates
- ✓Can be used multiple times
Best for
Veterans, active-duty military, and eligible surviving spouses
Conventional
Down: 5–20%
Credit Score
620+
- ✓Flexible terms and competitive rates
- ✓No upfront mortgage insurance (if 20% down)
- ✓Available for a wide range of home prices
- ✓Can be used for primary, secondary, or investment properties
Best for
Buyers with good credit and savings for a down payment
Quick Comparison
| Feature | FHA | USDA | VA | Conventional |
|---|---|---|---|---|
| Down Payment | 3.5% | 0% | 0% | 5–20% |
| Min. Credit | 580 | 640 | 580 | 620 |
| PMI Required | Yes | No | No | If < 20% |
| Rural Areas | Yes | Yes (req.) | Yes | Yes |
| First-Time Buyer | Great | Great | Yes | Good |
Frequently Asked Questions
Can I finance a manufactured home?+
Yes! Manufactured homes qualify for FHA, USDA, VA, and conventional loans when they meet certain requirements (permanent foundation, proper titling, etc.). We'll help you navigate the process.
Do I need a perfect credit score to buy a home?+
No. FHA loans accept credit scores as low as 580 (and some lenders accept 500–579 with a higher down payment). USDA and VA loans are also accessible options. We can help you understand what you qualify for.
What's the difference between zero-down and low-down-payment loans?+
USDA and VA loans offer 100% financing — no down payment required. FHA requires just 3.5% down. Conventional loans typically need 5–20%. We'll help you compare options based on your budget.
Can I use a VA loan for a manufactured home?+
Absolutely. VA loans can be used to purchase manufactured homes that are affixed to a permanent foundation and classified as real property. We work with veterans throughout the region.
What if I don't own land yet?+
We can help with that too. As a one-stop shop, we assist with land sourcing, site preparation, and infrastructure. Financing can often include both the home and land in a single loan.
How do I get started?+
Simple — call us at (256) 206-5205 or fill out our contact form. We'll talk through your goals, explain your options, and guide you to the right loan program. No pressure, no obligation.
Not Sure Which Loan Is Right for You?
We'll walk you through every option and help you choose the best path to homeownership. No jargon, no pressure.
Talk to Us →