OR
Fill out the form below to get important information on what to expect during the home buying process.
If you use your land, you don't need to make a down payment, and it doesn't matter how much your land is worth. You can use this offer if the land is in your name and free of any liens, your new home is placed on that land as your primary residence, and you're financing either a new or pre-owned home. Available for applications received between May 1, 2026 - August 31, 2026.
*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. See more details.
We can help you review financing options in the price range you’re looking for.
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.
Estimate what your potential monthly mortgage payment may look like. Calculator results are only estimates.
Principal and Interest
$0.00
Home Insurance
$0.00
Property Taxes
$0.00
"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
"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
"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
"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.
*$0 Down Land-in-Lieu - No minimum land value ("the Program"). Vanderbilt Mortgage and Finance, Inc., ("Vanderbilt"). Portfolio loans only. Not available with FHA, USDA, VA or conventional loans purchased by Fannie Mae or Freddie Mac. Program available for applications received between May 1, 2026 through August 31, 2026, for loans to finance the purchase of new and preowned manufactured or modular homes from a Clayton Family of Brands retailer. To qualify, borrower must pledge land owned free of liens with no payoff and titled to borrower. No minimum appraised value, no minimum land equity, and no down payment required. Home must be placed on the land pledged and used as the borrower's primary residence, not a second home, "buy for," or investment purchase. Program example: On a $100,000 eligible loan, land-in-lieu serves as down payment for loan. Home deposit to Retailer, closing costs and other fees may apply. Program cannot be retroactively applied or combined with any other offer, except Vanderbilt's "No payments for 60 days" program (subject to its terms and conditions). Vanderbilt reserves the right to cancel the Program at any time. Other terms and conditions may apply. Offer may not be available in all states. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. All information is believed accurate and is subject to change without notice.
Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561. For licensing information, go to https://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. Vanderbilt Mortgage and Finance, Inc., DBA Vanderbilt Mortgage.