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(205) 280-3601

2221 7th Street South Clanton, AL 35046

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Manufactured Home Financing

Financing is especially critical in these economic times. Each customer has different financial needs and expectations, and that’s why we maintain relationships with numerous financial sources to give you a choice of banks to determine which is the best option for you.

Finance Your New Home with Timberline

Timberline’s financing encompasses many aspects, whether you’re buying the home without land, using the land-in-lieu of cash down payment, combining land and home assets, or dealing with a less-than-average credit rating. Timberline will help guide you to the best financing available for you and your loved ones to enjoy your new home.


These loans combine your owned land or land that you wish to purchase with the manufactured home you are buying. In this case, a mortgage would be filed, and property taxes will be assessed annually. The benefit of this type of loan is that customers with mediocre credit may be able to qualify. The land-home process generally takes longer than other types of loans.


This type of loan is similar to a Chattel loan, except you may use owned land-in-lieu of a cash down-payment. You may also use a combination of both land and cash for your down-payment.

Home-Only or Chattel

This type of loan is when the customer is buying the home by itself without using land. This type of financing typically requires a down-payment of at least 5% of the price of the home (incl. tax). A higher down-payment will result in a lower rate of interest and may increase your ability to buy your home.

Get a Manufactured Home Loan

Simply call us to get more information about the manufactured home loans available to you and find out which loan best fits your needs.