Financing Made Simple at Swift Sell Properties

At Swift Sell Properties, we work with trusted third-party lenders to make financing mobile and manufactured homes easy and transparent. Whether you’re buying a home in a community, purchasing land with a home, or investing in a fix-and-flip, we have flexible financing solutions to fit your needs.

Home-Only Financing

Home-Only Financing (Chattel Loans)

Perfect for: Buying a mobile or manufactured home in a park or on leased land.

  • Loan is secured by the home itself, not the land.
  • Typically shorter terms and higher interest than mortgages.
  • Flexible down payments and credit requirements.
  • Some lenders have no credit requirements.
  • ITIN accepted.

Lenders We Work With:

  • Triad Financial Services
  • Vanderbilt Mortgage & Finance (VMF)
  • 21st Mortgage Corporation
Home and Land Financing

Home + Land Financing (Mortgage Loans)

Ideal for: Purchasing land together with your home, or permanently affixing a home to land you own.

  • Loan covers both home and land.
  • Longer terms (20–30 years).
  • Lower interest rates compared to chattel loans.
  • Requires permanent foundation and compliance with HUD codes.

Lenders:

  • Any traditional lender or broker as long as the home is retired to the land and has not been moved
  • FHA, USDA, VA, Conventional lenders and brokers
Hard Money Loans

Hard Money Loans (Fix & Flip Financing)

Designed for: Investors needing fast funds to purchase, rehab, and resell land-tied properties.

  • Short-term, asset-based loans secured by the property.
  • Terms typically 6–18 months.
  • Loan-to-Value (LTV): up to 65–75% of After-Repair Value (ARV).
  • Rates usually 10–14% with 1–4 points at closing.
  • Fast closings, often 5–10 business days.

Best For: Fix & flip projects, quick purchases, or bridge loans until long-term financing is secured.

Choosing the Right Financing Option

  • Chattel Loan: Best for homes located in a park.
  • Mortgage Loan: Ideal when purchasing land together with your home.
  • Hard Money Loan: Suitable for fix-and-flip investors or quick purchases.

At Swift Sell Properties, we help you select the right lender, explain all requirements, and support you through every step from application to closing.

Speak to an Expert