Most people will require some sort of financing when they are purchasing a new home. Gainey Custom Homes in Homosassa, FL, understands that getting financing for a home is often the largest obstacle for home buyers, and quite honestly, the largest obstacle for us as a seller of factory built homes. With this in mind, Gainey Custom Homes has teamed up with a handful of lenders who understand our product, market, and most importantly our customers. The team at Gainey Custom Homes are experts in financing and in many cases can get individuals financed that may have been previously turned down.Fortunately, in today’s market there are many options available for factory built home buyers with both good and challenged credit. Most of the loan programs that are available for traditional stick built housing are also available for factory built homes.
Gainey Custom Homes and the lenders we have teamed up with offer financing for both mobile and modular homes. For both home-only financing with no land involved in the transaction and land/home financing where the land purchase or payoff is financed in the same payment as the home. Gainey Custom Homes has a professional sales staff that can assist you in finding the best home financing option available for you and your individual situation. Feel free to call, visit us, or reach out on our Facebook page with any questions you may have. Gainey Custom Homes has access to a unique financing program for our customers who have a credit score of 575-599. We have a number of homes that qualify for this program. The home buyer(with less than 600 credit score) must have at least 10%-35% down cash, trade, or land equity (or a combination of ) with qualifying DTI and have verifiable income. For a credit score of 600 and up only 5% down is required with qualifying DTI.