We Will Assist You In Your Home Buying Process — We strive to make it as enjoyable an experience as possible. We have and will share with you all the information on all the major lenders. We also have apart of our parent company, Affiliates LLC, that finances specific used homes, which our company buys to offer alternative specific used home financing.
We Offer A Pathway to Home Ownership — by referring you to our trusted partner, a Credit Repair Company. They will offer you all the options to get you into a home quickly.
Simple Steps Towards Home Ownership — Come in and select the home of your dreams! Ask about all of the financing options, the different floor plans, and all of the warranties we offer with all our homes. We deliver your home to your property and set it up, and you move in.
Pre-Qualify Online — Read more about the many unique financing options A-1 has to offer below. When you feel you’re ready, get pre-qualified to buy a home quickly and easily right here on our website—just complete the short form at the bottom of the page, and we’ll be in touch!
Buying A Home For A Family Member — A true “Buy For” loan is when a customer, typically a relative, is buying a home for a family member. For this type of home loan, buyers must be homeowners, pass credit criteria, and live within 150 miles of the occupant. An application from the occupant of the home is also required, and other terms and conditions may apply.
Vacation Housing — 21st Mortgage offers customers the option to own a second home as a vacation home or a secondary residence. Buyers must be current homeowners, be able to budget for primary and secondary homes, and meet credit criteria. Other terms and conditions may apply.
Co-Signer — This program is ideal for applicants with limited credit. A co-signer helps qualify applicants with limited credit, but will not offset applicants with poor credit. Both the applicant and co-signer must budget independently. We prefer the co-signer be a parent, a homeowner, and reside in the same state 100 or fewer miles away. A co-signer can help the occupant of the home build credit. You may provide nontraditional documentation for proof of income when you apply for a co-signed loan (ex. bank statements, tax returns, 1099’s, etc.). No minimum credit score is required. Other terms and conditions may apply.
Alternate Income — This is a great program for applicants who are self-employed, independent contractors, or work at cash-based or tip-based jobs (servers, babysitting, drivers, barbers, etc). Contact us to learn more about how this financing option can enable you to purchase a new home.
Land/Home Loans — Also known as a Conventional Mortgage, a Land/Home loan offers buyers many advantages for purchasing a manufactured home with land. This type of loan offers you a convenient front-end one-time close, and site improvements can be financed into your loan. These loans are available for single- and multi-section homes. No Private Mortgage Insurance (PMI) and the opportunity to buy down your interest rate means lower payments for you. In addition, no permanent foundation or survey is required. You may qualify for longer loan terms, and closing costs and points can be financed into your loan, meaning no out-of-pocket closing costs to you.
Land As Down Payment — Also known as Land-In-Lieu, this type of loan enables you to use your equity in the land you own in lieu of a cash down payment. Up to 65% of your land’s appraised value is credited towards your required down payment, with no survey or permanent foundation required. Fees, closing costs, and improvements such as wells and septic systems can be financed into your loan, reducing your money spent out-of-pocket. In addition, Private Mortgage Insurance is not required. When you’re all set, a one-time close at a title company keeps closing costs to a minimum. Our dedicated Credit and Land-Home Department keeps the process moving quickly to ensure you a carefree, on-time loan closing.
Home Only — Also known as Chattel loans, these are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to real estate. Down payment requirements can be as low as 5%. Terms for these loans are usually capped at 20 years. The interest rates are typically 3-4% higher than the traditional mortgage loan. At A-1 Homes, we’re well-versed in this financing option and can help you qualify for it, enabling you to purchase the home you’ve been dreaming of.
Banner Program — We offer this financing option to home buyers with a credit score of 575 or higher. Our Banner Program utilizes Home Only financing and features a low down payment, reducing your out-of-pocket cost as you move into your new home.
Equity Program — This financing option is designed to work for almost any home buyer, including those with poor credit. Prospective buyers should note that a minimum down payment is required, and it may be substantially larger than with our standard programs.
Pre-Owned Home Program — We’re proud to offer our customers this financing option for used manufactured homes. With this program, you can further increase the savings you enjoy through the purchase of a pre-owned home by saving money on your mortgage as well. Contact us for more information regarding this option, and our many other options available—we’ll help you find the one that works best for you.