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A couple sits on the porch of their manufactured home while watching their two sons play in the yard.

Your down payment is within reach. Let Vanderbilt Mortgage and Finance help you get started.

5% less down with Vanderbilt

With 5% less down*, buying a new home is easier and more affordable. Save thousands upfront and keep more in your pocket. For example, on a $100,000 home, a required 10% ($10,000) down payment is reduced to 5% ($5,000).

*All loans are subject to credit approval. See below for complete terms & conditions.

Financing your new home starts here.

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Helping families achieve homeownership for over 40 years!

We can help you review financing options in the price range you’re looking for.

Why Finance with Vanderbilt Mortgage?

Customers are our biggest priority. We want to help your dreams come true.

This is your home, and we don't want you to settle so we are here to answer your questions first.

We offer multiple programs to help you finance your manufactured, mobile or modular home purchase.

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Customer Stories

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"I have had an opportunity in my life to apply for several home loans. Applying with Vanderbilt was easy, convenient, and every person that I have dealt with has been very friendly and professional. I would recommend Vanderbilt to any home buyer knowing that you will be treated fairly and with respect..."

Mark,

 

North Carolina

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"My wife and I purchased our home last fall. The finance agent was easy to work with and went above and beyond in order to secure financing on our behalf. I highly recommend Vanderbilt for financing your next home. We plan to purchase a double wide in the future and look forward to working with Vanderbilt for financing it..."

Martin

 

Georgia

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"So happy with our new home. Financing was a breeze. Took care of all of our questions and concerns right up front. Truly very happy with my mortgage company, would highly recommend to anyone, all my family and friend..."

Russell

 

New Mexico

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"My experience in the process of acquiring home financing is usually difficult, and I was expecting it to be this way with Vanderbilt - but I was very pleasantly surprised to find that the people who I dealt with were extremely professional and friendly. No one likes surprises, especially those that cost more money - but everything that I was told by the people at Vanderbilt was up front and accurate..."

Robert

 

Arkansas

**ALL LOANS ARE SUBJECT TO CREDIT APPROVAL.

*LIMITED TIME OFFER: 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, 2026, through April 30, 2026, for loans on new manufactured or modular homes from a Clayton Family of Brands retailer. Minimum 600 credit score for home-only loans financing homes installed in communities. Otherwise, no minimum credit score. No maximum loan amount. For eligible loans, the required down payment percentage will be reduced by 5 percentage points. Reduction example: On a $100,000 purchase price with a 10% ($10,000) required down payment, the down payment requirement will be reduced to 5% ($5,000). Reduction only applies to loan programs requiring a minimum 10% down payment. For primary residences only, not a second home, “buy for,” or investment purchase. Reduction cannot be combined with any other offer and may not be available in all states. 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. For licensing information, go to (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 and Securities.

All information is believed accurate and is subject to change without notice. 12/1/2025.