Financing Programs Designed for Manufactured Home Buyers
Every buyer is unique — and at Civitas, we’re here to help you find a financing solution that fits your needs.
We partner with trusted lenders who specialize in manufactured home loans to make the path to homeownership as simple and accessible as possible.
Whether you’re a first-time buyer, self-employed, or rebuilding your credit, we’ll help connect you with the right loan program to get you into a home you love.
Home Financing
- Low down payment (as little as 3.5%)
- Flexible credit requirements
- Perfect for first-time homebuyers
Chattel Loans (Home-Only Financing)
- Finance the home without the land
- Faster approval process
- Lower upfront costs
Down-Payment Assistance
- For many families, saving for a down payment is the biggest barrier to homeownership. That’s why Civitas Communities works with programs who offer down payment assistance to help qualified buyers move in faster.
Other Programs
- Co-signer options
- Self-employed buyer programs
- Limited credit history assistance
