Tiny Home Financing 101: Everything You Need to Know

You Can Finance a Tiny Home. Here's How.

Flexible loans. No credit hit. Real approvals in under 90 seconds.

Apply for Financing

Why Financing a Tiny Home Is Different

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Lower Monthly Payments

Tiny homes cost 70% less than traditional homes, meaning your monthly payments are a fraction of a typical mortgage.

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Easier to Qualify

No perfect credit required. Our lenders focus on income and ability to pay, not just credit scores.

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No Banks Involved

Skip the bank bureaucracy. Our specialized lenders understand tiny homes and move fast.

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Includes Delivery + Warranty

Financing covers your entire home cost, including nationwide delivery and our limited structural warranty.

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We Plant 10 Trees Per Home

Every purchase helps us fight climate change. We plant 10 trees with each home delivered.

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Every Sale Helps Families

Proceeds go toward donating homes to families in need through our impact initiative.

3 Ways to Use Financing

Buy a Home for Yourself

Own your space. Build equity. Stop paying rent and start building your future with monthly payments often lower than rent.

Add a Rental Unit for Passive Income

Generate $1,200-$2,500/month in rental income. The unit often pays for itself while building long-term wealth.

Help a Family Member or Aging Parent

Create independent living space for multi-generational families. Close enough to help, separate enough for privacy.

What You'll Need to Apply

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Basic income info (no tax returns required)

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Estimated home cost from our product pages

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Soft credit check only (won't impact your credit score)

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Takes 90 seconds to complete the entire application

Common Questions

Nope. We only run a soft credit check for pre-approval. There’s zero impact on your score unless you move forward and finalize your loan.

Typical approvals range from $15,000 to $200,000+, depending on your income and the model you choose.

Our lenders work with scores as low as 580. While 620+ is preferred, we care more about your financial story than a number.

Everything we sell is eligible — from $17K prefab studios to $150K+ luxury units. Financing includes setup, delivery, and more.

You’ll get an instant offer. From there, you’ll choose your home, finalize your loan, and we’ll handle the rest — including delivery and setup.

You’re one click away from pre-approval. Let’s get your dream home financed.

No credit impact. Fast approval. Loans from $15K to $200K+.

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