Financing Your New Home is Easier Than Ever!

Two main forms of financing options exist for your new manufactured or modular. Whether you don’t have land or you do, there are lenders that will work with you. Read below to find out more about home-only and land-home financing options. Please reach out to us with any questions you may have.


Unsure on which financing option best fits you?

Give us a call or stop in at one of our sales locations to speak to a sales consultant about how Baird can assist you!

Home-Only Financing Option (Chattel Financing)


Home only, also called chattel financing, might be the best route for you if you don’t own property or if you are considering local communities. Financing of land improvements may be limited, but lenders will work with you to find a solution to your housing needs. It’s important to note that most lending institutions require a down payment in order to finance home-only loans.

Land-Home Financing Option


Conventional land-home packages, as well as federally insured loans such as FHA, VA, and USDA, are all available to landowners! These financing programs are mortgages on your land, therefore allowing financing of additional options and land improvements such as driveways, porches, garages, and walkways. These items can be included in your purchase agreement if performed by Baird certified sub-contractors.

We can provide you with a list of reputable lenders from which you can choose who to directly talk with and apply with, if you desire.

Still unsure?

Give us a call or stop by our Fruitland Park location today. We will work with you on every step of the home buying process.

Call Today!