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Appointment Only on Sundays
Mon - Sat: 9am - 6pm Appointment Only on Sundays
What You Get
Table of Contents
In-House Financing That Works for Real-World Buyers
Making homeownership accessible with straightforward approval and flexible options
Buying a home shouldn’t require jumping through endless hoops. At Heritage Housing, our in-house financing is designed to make homeownership more accessible, with a straightforward approval process and flexible documentation requirements that work for today’s buyers.
One of the biggest differences? We understand that not everyone earns a traditional W-2 paycheck.
1099 Workers? We LOVE You: Simplified Verification Without Years of Tax Returns
Welcoming contractors, truck drivers, gig workers, and small business owners
Contractors, truck drivers, construction workers, small business owners, gig workers, and other 1099 employees can sometimes face additional hurdles when applying for traditional financing. Lenders may ask self-employed borrowers for extensive documentation, including multiple years of tax returns.
With Heritage Housing’s in-house financing, we don’t require two years of tax returns. Instead, qualified applicants can provide three months of bank statements as part of the financing process. That means we can look at what your income is doing now rather than making the process unnecessarily complicated with years of paperwork.
What Do You Need? Keeping Financing Requirements Simple
Clear guidelines including 3 months of bank statements and a 10% down payment
Our in-house financing requirements are designed to keep things simple. Applicants will generally need:
- Three months of bank statements
- 10% down payment
- ITIN or another acceptable form of identification
That flexibility can make a major difference for buyers who may not fit neatly into the traditional mortgage box.
Financing Through the People Selling Your Home: We’re the Bank
Discovering that homeownership is closer than traditional lenders make it seem
There’s another major advantage to in-house financing: we’re the bank.
Instead of sending every customer through an outside lender with a completely separate process, Heritage Housing can offer financing directly to qualified buyers. Our team understands manufactured housing, understands our customers, and knows that there’s more than one way to earn a living.
Whether you receive a W-2, work as an independent contractor, or earn 1099 income, don’t assume homeownership is out of reach because a traditional lender made the process difficult. Bring us three months of bank statements, your down payment, and your identification, and let’s talk about your options.
Your path to owning a home may be simpler than you think.
(Financing is subject to approval and applicable terms and conditions. Contact your local Heritage Housing location for complete financing requirements and eligibility information.)
