Land your dream home.

Zero cash down when you use your land as a down payment.*



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Land Your Dream Home

We believe everyone should have access to affordable and flexible financing, which is why we're excited to offer a limited-time program that allows you to put zero cash down on a new manufactured home using your land as a down payment, regardless of its value. All you need is a deed! The land must be owned in full and be used for a primary residence.

We offer a variety of manufactured and mobile home loan programs for homebuyers. Our fast and easy home loan process and team of licensed loan specialists can help you land your dream home today!

Land Your Dream Home Today

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$0 Down Land-in-Lieu—No Minimum Land Value (the “Program”). Vanderbilt Mortgage Portfolio loans only. Not available with FHA, USDA, VA, or conventional loans purchased by Fannie Mae or Freddie Mac. Program available for applications received on or before August 31, 2023 for loans to finance the purchase of new and preowned manufactured or modular homes from a Clayton Family of Brands retailer or an approved seller. 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 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. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.

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.