
Article | Home Buying
That’s why our dedicated team is passionate about helping you find the right loan to finance the purchase of your dream home.
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We offer a variety of manufactured and mobile home finance programs for those with perfect credit, less than perfect credit and first-time homebuyers*. Most importantly, our team will be here with you every step of the way. You’ll Feel Right at Home with Vanderbilt Mortgage and Finance, Inc.
*All loans are subject to credit approval
To apply for a loan to finance the purchase of your dream home, fill out our easy online application, and we’ll connect you with a licensed loan specialist.
A licensed loan specialist will review your application and contact you to obtain more information in order to provide you with a loan decision.
We will walk you through the process of collecting any documentation we may need from you in order to process your loan application as well as explain the credit requirements that apply for your selected loan program.
We also offer Direct Lending loans for owner-to-owner transactions and financing for select pre-owned homes purchased from VMF Homes.
Trying to plan what your payment may look like? Are you renting and want to compare your current rent to an estimated mortgage? We want to give you the tools to plan ahead by providing our Monthly Payment Calculator.
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Common Questions About Loans for Manufactured Home and Land Packages
*5% Down Payment Reduction (the “Reduction”). Vanderbilt Mortgage Portfolio loans only. Not available with FHA, USDA, VA, or GSE loans
Reduction available for applications submitted between January 2, 2023 and March 31, 2023 for loans to finance the purchase of new manufactured and modular homes from a Clayton Family of Brands retailer. To qualify for Reduction, the loan program must originally require more than a 5% down payment. For eligible loans, the required down payment will be reduced by 5% of the down payment percentage. Minimum down payment of 5% still required (whether in cash or land value, as applicable). Home must be used as the borrower’s primary residence and not as a second home, “buy for,” or investment purchase. Reduction example: On a $100,000 eligible loan with a 10% ($10,000) required down payment, the down payment will be reduced to 5% ($5,000). Reduction cannot be combined with any other offer, except for Vanderbilt’s “No payments for 60 days” program (subject to its terms and conditions). Vanderbilt reserves the right to cancel the Reduction at any time.
Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/),
AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law license, Licensed by PA Dept. of Banking.