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(256) 734-7577

318 Lincoln Ave SW Cullman, Alabama 35057

Financing Your Mobile Home

Timberline Homes of Cullman knows that financing is especially critical in these economic times. Everyone has different financial needs and expectations. This is why we maintain relationships with numerous financial sources to give you a choice of banks to determine which is the best option for you and your family.

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How to Get Financing for Your New Home

Timberline Homes of Cullman’s financing encompasses many aspects, whether you’re buying the home without land, using land-in-lieu of a cash down payment, combining land and home assets, or dealing with a less than average credit score. We’ll help guide you to the best financing options available to you and your loved ones.

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Mobile Home Financing Options



Land-home loans combine your owned land or land that you wish to purchase with the manufactured home you’re purchasing. In this case, a mortgage would be filed, and property taxes will be assessed annually. With this type of loan, even customers with mediocre credit may be able to qualify. The land-home process generally takes longer than other types of loans.



Land-in-lieu loans are similar to chattel loans, except you may use owned land in lieu of a cash down payment. You may also use a combination of both land and cash for your down payment.


Home-Only or Chattel

The home-only loan, or chattel loan, lets you buy your manufactured home without using land. This type of financing requires a down payment of at least 5% of the price of the home, including tax. The higher your down payment, the lower your rate of interest, and it may increase your ability to buy your home.


Credit Repair

Timberline Homes of Cullman also offers a Credit Repair Program for customers that do not meet the minimum credit score requirements for our finance companies. This is a free program for our customers and takes around 35-45 days to complete.


Beautiful homes and a wonderful and helpful staff to help answer all of the questions we have. I would recommend these guys to anyone looking for a home! Ask for Mr John Jeter. He has been truly amazing and goes above and beyond expectations.

Amanda Goodlett