Arkansas is a great place to live. The state has a modest cost of living and low property taxes, and it’s a great location for people who enjoy spending time outdoors. You’ll love exploring the wilderness in Arkansas and visiting cities like Little Rock, Fayetteville and Hot Springs, which still have small-town appeal. A manufactured home in Arkansas is an affordable choice, making homeownership accessible to people of all income levels.
When you’re ready to settle in Arkansas, get in touch with CIS Moving Home. Only some lenders have these loans available, but we have loan officers dedicated to manufactured home loans. We offer flexible manufactured home financing options that fit your budget. Our team can walk you through the different programs we provide and find a choice that works for your unique circumstances.
We have helped potential homeowners like you for more than 30 years. We want to make homeownership more accessible to all because everyone deserves to achieve their dream of owning their own home.
Loan Options In Arkansas
As you search for a manufactured home loan in Arkansas, you may want to find one that includes competitive rates or a low down payment. We have many options that suit your needs, including:
- Just Home: Typically referred to as a chattel loan, this offer is for a moveable property. With this loan, you can structure your repayments over a period of time with competitive interest rates. You will own your manufactured home upfront and can place it on family land or in a manufactured home community.
- Home Turf: Known traditionally as land-in-lieu financing, this option is ideal for those who have land but need help financing a home. You can use your land as a down payment on your new home to reduce any additional cash or out-of-pocket expenses. You don’t need to survey the land or build a permanent foundation to qualify.
- Coexisting Property Loan: This option can be used if you’re looking to buy both the land & the manufactured home from someone – meaning the home has been used. However, you can’t qualify for a loan if the home has ever been moved from it’s original land.
Types of Manufactured Homes
Manufactured homes are generally split into two groups. Mobile homes are older, built prior to 1976, and may be in a community with other mobile homes, while manufactured homes were built after 1976.
Whatever type you desire, you can apply for the two main types of loans when you work with us. The Home Turf loan is geared to borrowers who need to purchase land, while the Just Home loan only covers the manufactured house and not the land.
Work With Reliable Manufactured Home Lenders in Arkansas
CIS Moving Home has the expertise, experience and knowledge to help you find the right loan, and our informed advice can put you on the road to homeownership quickly. The advantages of working with us include our specialty. Fewer lenders offer manufactured home mortgages, so finding one that understands the available programs ensures you have an expert who can steer you to sound decision-making. That guidance is a huge advantage during the lending process.
You can apply for your loan immediately through our site, cutting down on the time you wait to hear back on your application. We simplify the process, allowing you to upload all the documents you need. Applying for loans can be a complex process, but we strive to help you through it with our user-friendly online application.
How to Qualify for Manufactured Home Financing with CIS Moving Home
CIS Moving Home makes the application process for your new home a breeze, and we have minimal requirements for our clients. You must have a credit score of at least 600. The minimum loan amount is $10,000. If you meet both criteria, you can begin your loan application today.
Owning a home is the American dream, and we want to help as many people as possible achieve it. We have low-income manufactured home loan options and more. Get in touch with us today to discuss any questions regarding closing or the application process. You can also begin filling out your application today to get in your new home as soon as possible.
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