Financing Services

The Davis Homes Difference


Here at Davis Homes, we want to make sure your new house has all the finishing touches to make it your dream home. Whether it be poured piers, garages, landscaping, decks, porches, steps, digging and building a basement- Davis Homes has you taken care of! Just as your new home is built to your specifications, that same quality is implemented in the additional features of your new home.

Found the manufactured or modular home of your dreams at Davis Homes, and need land? Visit to find your perfect piece of property!

The right loan for any purchase

Land/Home Financing

Also known as a Conventional Mortgage, a Land/Home loan offers homebuyers significant advantages for buying a manufactured home and land together. These home loans may offer a convenient front-end one-time close, and site improvements can be financed into them. You may not need to pay monthly Private Mortgage Insurance (PMI), and you may be able to buy down the loan’s interest rate. In addition, no permanent foundation or survey is mandated. Conventional Mortgages can carry longer loan terms, and closing costs and points can be financed into them, reducing your out-of-pocket closing costs.

Home Only Financing

Also known as Chattel Mortgages, these are personal property loans made for the purchase or refinance of a manufactured home that is not permanently affixed to real property. Down payment requirements for Chattel home loans can be as low as 5%, with terms usually capped at 20 years. Interest rates for Chattel mortgages are typically 3-4% higher than traditional mortgages. At Davis Homes, we understand the advantages this unique form of home financing offers to buyers of manufactured and modular homes. We can help you qualify for it, and enable you to purchase a new home you love at any budget.

FHA & VA Home Financing

If you’ve had some past credit challenges, but you currently have the ability to repay a mortgage, then FHA manufactured and modular home loans present an excellent opportunity. In many cases, these home loans carry lower credit score and down payment requirements than conventional home loans—this means credit challenges in the past, or a lack of established credit, will not automatically deter you from obtaining an FHA home loan.

The VA offers factory-built home financing to active duty military, veterans, and their spouses. As with FHA loans, VA home loans have lower credit requirements, but they carry significant additional benefits too—you may be able purchase your new home with no money down, you won’t need to make monthly PMI payments, and the home appraiser is selected independently by the VA, which means the lender has little or no control over the appraisal process.

Get Pre-Qualified to Buy a Home

What They Say About Us

I went to Davis Homes looking for a home. It's just me, myself, and I, so they helped me find a home that’s perfect for me. I was very impressed by their knowledge of the industry and the homes they offer. My house is awesome! I even referred my brother to them because he wants to buy a modular home. It was a terrific experience, with top of the line service.

Diane Harris