Home Financing

Affordable Financing Including Seller Financing and Rent to Own

At Hillcrest Estates, we work with our trusted lenders so that you can get the best loan for your mobile home. Monthly payments on lot rent and home loan payments can often be cheaper than renting an apartment. Even if you don't qualify with the lenders, we may provide seller financing and rent-to-own options for you.

Purchase with a Loan

You can purchase a home with a mobile home loan. Here are the steps for purchasing a home with financing in Hillcrest is straighforward. If this is your first home purchase or you are not familiar with financing, don't worry. We will help you during these steps.

  1. Visit Hillcrest Estates and choose a home
  2. Submit an application for the community. Based on your application, we will provide financing options. 
  3. Submit an application for a loan.
  4. Once approved, work on paperwork.
  5. Move in to your new home!

Get Pre-Qualified

If you have a good credit, getting pre-qualified will speed up the process. Contact one of our trusted lenders to get pre-qualified for a home at Hillcrest Estates. The terms of your loan will depend on various factors such as your credit history, income, down payment amount, and loan amount. Call us for additional information on the lenders or any questions.

Have a credit history with some blemishes? We may still have financing options for you. Stop by and talk to you. 


Our lenders typlically require 10% to 15% down. With high credit score and good income, it can be as low as 5%. Because everyone's financial situation is unique, the only way to know the exact terms is to apply. We have seen that our buyers' total monthly payment on the homes are similar to renting in the area. 

In order to apply for a loan, lenders will typically need the documents from you:

  • Driver's license
  • Current pay stub
  • Social security card
  • Most recent W-2
  • 2 months bank statements
  • Proof of down payment

Other Financing Options

H.O.M.E (Home Owership Made Easy)

This is our twist on rent-to-own option to help you become a homeowner if you don't quite have the credit and down payment for a loan. You can rent our home for one year or one and half year. A portion of the rent during this time and your security deposit will be credited towards buying the home. You can also work on your credit during this time. Now with improved credit score and 10% down payment, you can be in a good place for a loan. We will help you find a lender as well.

Please note that not every home is eligible for this program. Contact us for more detail.

My Credit Is Not Perfect. Can I Still Qualify?

We also have lenders who will work with less-than perfect credit including the following:

  • Bankruptcies
  • Less than perfect credit score
  • Short credit history
  • Previous financial hardships

Even if you have one of these in the past, if you are back on your feet and have stable income, you have a chance.

We want to work with you towards becoming a homeowner. Contact or visit for more detail.

Please note that for everyone's safety in the community and financial responsibility, we conduct the following for all applicants:

  • Credit check: we will review your credit history. Some blemishes are OK.
  • Criminal record check: we reject applicants with criminal history indicating risk to safey of residents
  • Income verification: we want to make sure your income can support housing costs
  • Reference check
  • Rental history


We have recently partnered a non-profit organization's program called SmartMH. SmartMH provides counseling and service to improve your credit score. This program will help you improve your credit so that you can qualify for a loan for a manufactured home in our community. Call us today to get started with the program