Get a Manufactured Home Loan

4 Easy Steps to Financing Your New Home

1. Choose your home

View our homes online. Then visit Champion Home Center in Albertville to tour our models. Get your credit score and pull your credit report for free so we can help you with financing questions.

2. Pick your options

Choose from a wide range of options to create your perfect home. You can customize colors, materials, and more. What you can change varies by model. We’d love to help you design a home you’ll love!

3. Apply for a home loan

Apply for home financing. We can guide you through the process or you can apply on your own. Be sure to use dealer number 2702.1 when prompted.


4. Get approval in 24 hrs

You’ll find out about your approval within 24 hours. Once you’re approved, we’ll order your manufactured home quickly so it can be built as quickly as possible.

Financing Options

What Types of Financing Are Available?

Home only (Chattel)- Financing programs for home-only loans.

Pre-Owned Home Financing- Finance a Pre-Owned mobile home purchase. Up to 23 year loan.

Land Home- For the purchase of land and home together.  New homes only.

Land in Lieu- A great option for customers to use their free and clear land as down payment. New homes only.

Equity Program- For homebuyers who have a credit score less than 600 and have the down payment that the Bank requires.  New Homes Only.

BUY-FOR Program- Purchase a manufactured home for a family member. 

CO-SIGNER Program- When buyer has a limited credit history but no derogatory credit.

Secondary- A program available for non-primary residence purchase.

Alternative Income- A financing program designed for self-employed customers. 

Additional Information

Useful Financing Info

Zero Down Payment with Exceptional Credit

Zero Down Payment with Land as Collateral

Home only Financing; Minimum of 5% down

Fixed interest rates

Financing for New and Used Manufactured Homes

No Penalty for Early Pay-off

Up to 23 Year Term

Closing cost can be financed

Permanent or Non-permanent Foundations

Primary, Secondary, Vacation & Investment Home Loans

Escrow is required for Homeowner’s Hazard  Insurance and Taxes.

Mortgage Insurance is not required.

Payment options include Free Monthly Auto Draft Payment Option, Optional Free Bi-Weekly Payment Plan, and a convenient on-line payment option. 

Frequently Asked Questions


Owning a factory-built home makes good economic sense.  You can deduct the interest you pay on your mortgage loan from your income taxes.  The American dream of home ownership still lives!  Champion Home Center can make that dream a reality for you and your family. Factory-built homes are an Investment in your future.  They give you the opportunity to build the investment and tax advantages that only comes with owning your own home.

No. We can do singlewide and doublewide homes with or without a permanent foundation. This allows financing for homes on rented land, in parks, on leased property or on family land.

Get zero-down financing with exceptional credit! Otherwise, 5% is the minimum down payment.  Credit quality, occupancy type, loan affordability, and collateral type will ultimately determine your loan-to-value or down payment requirement.

On a home only loan, Champion Home Center will hold the closing at our office in North Alabama, or we will mail the documents directly to you. A notary must notarize several forms. Land/home loans must close with a title company or attorney.

A. Fees for origination, credit bureau, title transfer, and appraisal can be charged if applicable. Other fees that can be charged, if applicable, include Title/Escrow/Attorney fees for closing the transaction. All closing costs can be financed into the loan if desired.

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