We understand that financing can be one of the biggest hurdles when planning a new home. That’s why we’ve built relationships with lenders who are familiar with the unique aspects of tiny homes, park models, and modular construction. While financing options continue to evolve, here are some good places to start:
Tiny Homes & Modular Homes (permanent dwellings)
For buyers interested in tiny homes or modular homes that are approved for full-time living, we recommend starting with:
- Peoples Bank
- Savi Bank
- WECU (Whatcom Educational Credit Union)
- Evergreen Home Loans
These lenders have experience with residential mortgages on smaller homes and may be able to help structure financing tied to your land purchase or as a stand-alone loan.
Park Models & Tiny Houses on Wheels (recreational use)
Because park models and THOWs are classified differently than permanent dwellings, they typically require a different loan approach. For these, we recommend:
TRIAD Financial – Specializes in park model loans
Sno Falls Credit Union – Offers financing for both park models and tiny houses on wheels
A Few Tips
- Many customers find success starting with the bank or credit union they already have a relationship with.
- Financing requirements can vary depending on whether you’re purchasing land with your home or just the home itself.
- Approval and terms are always determined by the lender, but we’re happy to share what we’ve seen work for other customers.
We’re continuously on the lookout for lenders who are open to financing tiny homes and park models. If you discover a bank or credit union that’s a good fit, please let us know — better financing options help more families move forward with their projects.