Flexible
Financing
Options
To
Fit
Every
Home
Buyer
At Corky’s Homes, we know that buying a home is one of life’s biggest decisions — and we’re here to make it easy. Over the years, we’ve helped thousands of families find the right home and the right way to pay for it. Whether you’ve got perfect credit or you’re just getting started, we’ll walk you through every step.
Lots of Ways to Make It Work
We partner with trusted lenders who offer a variety of programs, including:
Chattel Loans
Ideal if you’re buying the home only (without land).
Land/Home Packages
One easy loan that covers both your home and your land.
FHA
Great for first-time buyers with low down payments.
VA
Special options for our veterans and active-duty heroes.
USDA
Perfect for folks buying in rural areas with no money down.
Financing Checklist
Purpose: Secure financing before choosing your final home.
Checklist:
- Choose your preferred lender (Corky’s can connect you with options)
- Submit application for pre-approval
- Provide proof of income (pay stubs or tax returns)
- Provide proof of identification and down payment source
- Review loan terms, interest rates, and estimated monthly payments
- Sign disclosures and lock in your loan approval
FAQ
What types of financing do you offer?
We work with trusted lenders who specialize in FHA, VA, USDA, chattel, and land/home loans. We’ll help you find the program that best fits your situation.
What kind of credit score do I need to buy a home?
Every lender and loan program is a little different, but most start around the mid-500s to low-600s. That said, we’ve seen approvals both below and above that range — it really depends on your full credit picture, your down payment, and your income.
Don’t let a number stop you from checking your options! We work with lenders who look at the whole story, not just your score, and we can help guide you on ways to improve your credit if you’re not quite ready yet.
Can I apply for financing online?
We don’t believe in one-size-fits-all online applications. Every situation is different, and we don’t want you to take an unnecessary credit hit. Instead, we’ll talk with you first to find the best loan type and lender for your needs.
How much down payment do I need?
It depends on the loan program and your credit. Some loans offer zero-down options, while others may require 3%–10% or more. We’ll help you understand what fits your situation best.
What’s a typical monthly payment?
Monthly payments vary based on the price of your home, loan type, term, and interest rate — but we can give you estimates once we know a few details.
What if I want to make changes after the site is done?
Your project includes a set number of revisions. After those are used, you can request additional changes at an hourly rate. This ensures small updates don’t slow down progress for other clients and keeps the process fair for everyone.