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Financing Your Modular or Mobile Home Made Easy

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At Charriette Homes, we believe everyone deserves a place to call home. That’s why we offer a variety of flexible financing options designed to fit your unique needs and make your homeownership dreams come true-whether you’re a first-time buyer, upgrading, or working with less-than-perfect credit.

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Flexible Financing Options Tailored for You

We understand that every buyer’s situation is different. That’s why we provide multiple financing solutions, including:

• Bank Financing on the Lot: Finance both your home and the land it sits on with competitive terms.

• Alternate In-House Financing: For buyers who need a more personalized approach, we offer in-house financing options.

• No Down Payment for Qualified Landowners: Already own land? You may qualify for financing with no down payment required.

• Chattel Mortgages: Perfect if you want to finance just the home without owning land.

• Land-Home Packages: Combine your home and land purchase into one simple loan-we can even help pay off existing land.

• Competitive Interest Rates: Enjoy rates as low as 5.25% fixed for qualified buyers.

• Credit-Friendly Programs: We work with buyers across all credit backgrounds, including those with less-than-perfect credit.

• Government-Backed Loans: Access FHA, USDA, Fannie Mae, and Freddie Mac programs offering low down payments and flexible terms, especially for rural and moderate-income buyers.

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What You’ll Need to Get Started

To help us find the best financing fit for you, please have the following ready:

• Last two years of W-2 forms

• A recent pay stub from the last 30 days

These documents allow us to quickly move forward and get you pre-qualified.

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Why Choose Charriette Homes for Your Financing?

• Wide Selection of Homes: Choose from new, pre-owned, and bank-owned homes by top brands like Clayton, Clayton Richfield, and Schult.

• Experienced, Caring Team: We’re with you every step of the way-from your first question to closing day.

• Local Expertise: As a family-owned business rooted in Cheraw, South Carolina, we understand our community and your needs.

• Personalized Service: We tailor financing solutions to fit your budget and lifestyle.

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Ready to Take the Next Step?

Don’t let financing hold you back from owning the perfect home. Contact us today or call 843-253-5286 to speak with one of our friendly financing specialists. We’ll help you explore your options and guide you through a smooth, stress-free process.

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Let Charriette Homes help you turn your dream into an address!