Know your budget
before you fall in love.
A 10-minute pre-qualification tells you exactly what kind of home is in reach, what your monthly payment will look like, and which lenders are ready to work with you — and we don’t pull your credit.
Three steps. Ten minutes.
No surprises.
Fill out the secure form
Basic info: name, address, income, employment. Takes about ten minutes. The form is run by Cirrus Solutions, a licensed lender platform — your data is encrypted end-to-end.
We DON’T pull credit
You’ll see what lenders see, with none of the dings to your credit history. We just kindly ask what your credit score is based off your mobile app, or guesstimate.
We call you with options
Within one business day a real person from our team calls you back with the lenders that match, your estimated terms, and which homes on the lot fit your number.
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Shop with a number
in your pocket.
Most buyers walk a dozen homes before they realize the one they love is $20,000 outside their budget. The credit analysis flips that around — you know your number first, so every home you walk is a real possibility.
No pull — credit unaffected
No ding to your score. You can shop dealers all day without consequence.
Encrypted, never sold
Your info goes to our lenders — and nowhere else. No spam calls, no resold leads.
One business day turnaround
You'll hear from a real person on our team — most of the time within hours.
No obligation to buy
Use the number anywhere. Many of our buyers use the analysis to negotiate at other dealers too.
Loan types we
work with.
Manufactured-home financing isn’t the same as a regular mortgage. We work with lenders who specialize in this market — so the terms make sense for the kind of home you’re buying.
Chattel loan
For homes on leased land or land you don't own yet. Faster to close than a real-estate mortgage, with slightly higher rates.
- 15–25 year terms
- Min credit ~400
- Down payment 0–20%
Land & lieu
Own land already? Use it as your down payment instead of cash. Your dirt = your down payment.
- Up to 25-year terms
- No min credit
- Down payment from 0%
Conventional
For buyers with stronger credit who want a traditional mortgage. We can roll land purchase into a single loan.
- 15–30 year terms
- Min credit ~660
- Down payment 10–20%
4.9 stars across
487 reviews.
"They worked with three lenders until one came back with a number I could actually live with. The free analysis was a game-changer for me."
"I had no idea what I could afford until I ran their analysis. Walked into the lot the next week knowing exactly which homes to look at."
Financing questions.
Ten minutes today, your home this season.
The analysis is free, we don’t pull your credit, and you’ll know more about your real options in ten minutes than most buyers learn in a month of dealer-shopping.
Start your free analysis →