Financing

Easy Financing for Your Tiny Home

There are many ways to finance a tiny house. Many people borrow from friends and family, but when you need other financing, we’ve got you covered! Once you become a client of Sierra Tiny Houses, we can start the next step by determining which lender would work best for your situation. We recommend we discuss the lenders before you speak with them since they each have things they will be looking for from us and may be confused if you contact them without that info.

Loan Options

  1. If you belong to a credit union, since our homes are RV-certified, most credit unions can do an RV loan. Contact us first so we can coach you on how to approach it.
  2. We have a mix of prime and subprime lenders who, depending on your credit, have a range of interest rates. The subprime lender can lend to people with credit scores as low as 550.
  3. We are authorized builders for an exclusive tiny house financing. Requires a 600 credit score and has loan terms from 5 to 25 years.
  4. LightStream, a division of SunTrust Bank, requires good credit and can do a tiny house loan for up to 7 years with good rates.
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    Each lender has their idiosyncrasies, so once you’ve decided on us as your builder, let us know and we can help you determine which lender is right for you.