Vision Homes
Manufactured, mobile and modular homes in Fayetteville, NC. Tour homes and get financing help. Serving NC, SC, VA, GA and AR. Se habla español.
Very few people pay cash for a home. Most of the families we work with at Vision Homes finance, and a big part of our job is helping them pick the right loan for their land, their credit and their budget.
Financing a manufactured home works a lot like financing any other house. You borrow the money, pay it back in monthly payments over a set number of years (usually 15 to 30) and build equity as you go. What's different is that there are several kinds of loans to choose from. Which one fits depends on whether you own land or are buying it, where the home will sit, your credit and income, and whether you've served in the military.
Below is a plain-English rundown of each option, so you know what to ask before you talk to a lender.
Financing questions are our specialty. Whether you want to understand your options, see if your land can work as a down payment, or just want someone to run the numbers with you, we're here.
The loan types available to manufactured home buyers, and who each one fits best.
Financing is subject to lender approval and the lender's terms. Vision Homes is not a lender and can't guarantee approval, rates or terms, which can change at any time. Ask us for details.
The most common manufactured home loan. The home itself secures the loan, so you don't need to own land. The usual choice for a community, a leased lot or family land.
Buying the land and the home together? You may qualify for a mortgage much like a site-built house, usually with a lower rate and a longer term, and you build equity in both.
Not the same as using land you already own as your down payment. See the next option.
Already own land, even land you inherited or were given? Its equity can often take the place of a cash down payment, and sometimes it covers the whole thing.
Not every lender offers this. Tell us about your land in your first conversation.
Sometimes used for smaller purchases or unusual situations. Because nothing secures them, they cost more and must be paid back faster. Good to know about, but rarely right for a whole home.
Insured by the Federal Housing Administration and built for buyers with lower credit scores or smaller savings. The home must sit on a permanent foundation that meets HUD's requirements.
With Fort Bragg right here in Fayetteville, we help a lot of military families use this benefit. Usually no down payment and no monthly mortgage insurance.
Every lender is different, but these four things show up in almost every application. Knowing where you stand puts you in a stronger spot before you apply.
01
Your score sums up how you've handled credit: on-time payments, how much of your available credit you use and how long you've had accounts. Higher scores open more options and better rates. Check your reports before you apply so you have time to fix mistakes.
02
This compares your monthly debt payments to your monthly income before taxes. Car payments, student loans, credit cards, child support and co-signed loans all count. Lenders need to see you can handle the new payment on top of what you owe.
03
Most lenders want about two years of steady income, though not necessarily at the same job. Expect to provide pay stubs and W-2s; income you can't document usually can't count. Self-employed buyers should plan on tax returns.
04
The more you put down, the easier it is to get approved and the better your terms. Many loans start around 5% down, and lower credit can mean more. Land you own may count toward it.
Here's how buying and financing a home with Vision Homes usually goes.
Get free reports from Equifax, Experian and TransUnion at annualcreditreport.com. Look them over and dispute anything that's wrong before you apply.
Count everything: the loan payment, lot rent if you won't own the land, insurance, property taxes and utilities. It's easier to set a budget before you fall for a home than after.
If you own land, find the deed and any loan paperwork. Land can change what you need to bring to closing, so bring it up early.
A pre-approval tells you how much you can borrow and makes everything after it smoother. Apply online with our lender partners, or we'll help you apply.
With your budget and pre-approval in hand, the fun part starts. Browse floor plans or see what's in stock, and we'll match a home to your budget.
We'll help you finish the application, gather the documents your lender needs and stay with you through closing, delivery and setup.
We work with lenders that specialize in manufactured and modular homes, not lenders who treat them as an afterthought.
Mortgages for buying land and a home together.
Visit site →Home-only and land-and-home loans for manufactured homes.
Visit site →Manufactured home loans, with an online application.
Visit site →Manufactured home loans, including land-and-home options.
Visit site →Prefer your own bank or credit union? Here's how that works.
Guides from our team on loans, land and down payments.
Quick answers to the questions buyers ask us most.
Send us a note and someone from our team will get back to you quickly. Se habla español.
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Terms & Conditions VH Vision Homes does not sell or share personal information or mobile opt-in consent data with any third parties.
Types of Communications VH Vision Homes may contact you through the following communication methods:
SMS Messages: Introductions Feedback request Booking appointments Reminders Promotional offers and marketing campaigns Follow-ups pertaining to home/land
Standard message and data rates may apply for SMS based on your mobile plan. VH Vision Homes is not responsible for any charges from your mobile carrier.
Phone Calls: Introductions Intake purposes Follow-ups pertaining to home/land Customer service and support calls Emergency notifications requiring immediate attention Quality assurance and feedback calls Promotional offers and special service announcements
Standard calling rates may apply for phone calls based on your mobile plan. VH Vision Homes is not responsible for any charges from your mobile carrier.
Communication Frequency Communication frequency may vary based on your interaction with our services, booking activity, and individual needs.
Opt-in Process For SMS Alerts: By clicking the consent box online and providing your phone number, you consent to receive SMS alerts from VH Vision Homes for service-related purposes. For Phone Calls: By providing your phone number, you consent to receive phone calls from VH Vision Homes for service-related purposes.
Simple Opt-out Methods SMS Opt-out: Reply with the word "STOP" to (910) 323-8222 at any time. Phone Call Opt-out: You may request to be removed from our calling list by: Informing our representative during any phone call Calling us at (910) 323-8222 and requesting removal
Help Option SMS Help: Reply "HELP" to (910) 323-8222 General Support: Contact us directly at opwiz@vhvisionhomes.com or (910) 323-8222 for assistance with any communication services.
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