Financing a park model is different from financing a traditional house, and knowing your options up front saves weeks of guesswork.
Zook Cabins Financing — the simplest path
- Built specifically for park models, so there is no question about whether your home qualifies.
- Up to $200,000 if your name is on the deed to the land where the park model will be located or up to $100,000 based on owning your primary residence.
- Fixed rates, terms of 5 to 20 years, no minimum down payment, and no prepayment penalty.
- No credit impact to check eligibility or see your loan offers, and same-day approvals in many cases.
Third-party chattel loans
A chattel loan is a home-only loan secured to the park model itself rather than the land — useful when you do not own the property. These loans go up to $450,000 with terms up to 25 years, and require a minimum of 5% down for primary residences or 20% for vacation homes. There is one park model per loan, and investment properties are not eligible.
Why local-bank loans often fall short
Park models generally do not qualify for construction, modular, RV, manufactured-home, or mobile-home loans — it is rare these loan types allow a park model — and a bank may approve your application only to deny it before closing.
Here is why local banks are risky →
From eligibility check to loan offers
Checking your eligibility takes about 30 seconds and confirms you can apply. You are then matched with the lending partner that fits your situation, and the lender takes your application and shows you your eligible loan offers — with no impact to your credit to see them. A hard credit inquiry happens only when you finalize your loan after approval.
