Manufactured Home Stage Funding and New Construction Financing

We offer stage funding using USDA and FHA financing (currently available in Florida only).

We provide:

A convenient draw schedule to help you draw your funds quickly

  • 20% at first closing
  • 60% at setup
  • 20% at final

Ability to approve more buyers

  • USDA and FHA loans available
  • Credit scores as low as 620 (can go lower with exception)
  • Low and No down payment options available

FHA Manufactured Home Loan

Ideal for: homebuyers who may not have the resources for a large down payment.

Backed by the federal government, the FHA loan is a popular program for first-time homebuyers and individuals and families with low and moderate income levels.


  • More liberal qualification requirements
  • FICO 620 but with exceptions can go lower
  • Lower down payment - minimum 3.5% down (96.5% financing)
  • Gift funds are allowed for down payment
  • Up to 6% seller contributions allowed
  • Attractive interest rates
  • Lower monthly mortgage insurance

Must be double wide; no single wide housing allowed (unless located in Fannie Mae-approved subdivision, condo or PUD project development). Home must be attached to a permanent foundation system.



USDA Rural Development Construction Home Loan Program

Ideal for: homebuyers who want to borrow and build their own home.

With 97% of U.S. land mass qualifying as USDA-eligible, including many suburban areas, you can buy land, or use land you already own, to build a home to your specifications.*

  • No down payment option (100% financing)
  • One loan and one closing saves you time and money
  • Easy and fast loan processing
  • Loan is fully funded before construction begins
  • Finance costs and reserves into the loan (up to appraised amount)

*Housing Assistance Council, Washington, D.C. (9/2011)





Down payment and terms shown are for informational purposes only and are not intended as an advertisement or commitment to lend. Please contact us for an exact quote and for more information on fees and terms. Not all borrowers will qualify.


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