REQUIREMENTS:
1. Down Payment – 0% – 35%

2. FICO Minimum – None

3. Income Requirements – None

Collateral Required: Home or Land & Home



ADDITIONAL NOTES:
1. Loan Type – Conventional

2. Rates – As of 1/23 5.99% – 11.5% but rates vary. For your current rate please visit mypaymentestimator.com.

3. Terms – up to 25-30 Years

4. Contact – Caleb in Marketing at (800) 955-0021, 21stmortgage.com

REQUIREMENTS:
1. Down Payment – 10% – 30% depending on credit

2. FICO Minimum – 680

3. Income Requirements – Cannot have debt ratio in excess of 43%

4. 50% Construction Loans 1st quarter of 2023!

Collateral Required: The Tiny Home is used as collateral.


ADDITIONAL NOTES:
1. They loan on both THOW’s and Modulars (No DIYers)

2. Loan Type – Consumer Loan

3. Rates – 8.75% – 14% depending on credit

4. Terms – 5-23 years 5. Contact – Carolyn Smith at 423-802-4650 or visit LibertyBankOfUtah.com

If you want to finance a tiny home with a personal loan, you will likely need very good to excellent credit (at least 670 or higher) to get the best rates. If you can pay for most of the house with savings, you could use a personal loan to finance the rest. Some lenders, such as LightStream, offer personal loans designed for purchasing a tiny home for up to $100,000. If you want their lowest annual percentage rate (APR) of 5.73%, you will need excellent credit. The repayment period is shorter than a typical mortgage – only seven years. Depending on the lender, personal loans may come with additional fees, which could increase the total cost to borrow and impact your monthly payment. Generally, your debt-to-income (DTI) ratio should be at or below 35%.

REQUIREMENTS:
1. Down Payment – 2.41% – 5%

2. FICO Minimum – 640

3. Income Requirements – None

Collateral Required: None



ADDITIONAL NOTES:
1. Loan Type – Personal Loans up to $50K

2. Rates – 6.99% Fixed – 35.99% (depending on Credit)

3. Terms – 3-5 Years

4. Contact – To Apply, Call 866-615-6319 8a-8p CST, Prosper.com

5. Other – Prosper is a Pier-to-Pier Market Lender. They service Nationwide with exceptions: They do not service Iowa or West VA. There are modified



APRs in NY & VT, in CT. You are allowed 2 active loans at a time. GA has a minimum loan request of $3,001 and MA has minimum loan request of $6,001.

REQUIREMENTS:
1. Down Payment – 25% to 50% (your choice to get the rates you want)

2. FICO Minimum – 680

3. Income Requirements – None

Collateral Required: No

ADDITIONAL NOTES:
1. Loan Type – Consumer Loan

2. Rates – 8.84% – 11.34% (depending on down payment and FICO)

3. Terms – 10-year fixed mortgage

4. Contact – Shirley Sears MLS# 1464584 at (Office) 512-456-0035 or (Mobile) 737-291-8113 for more information. SouthStarBank.com