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Guiding You Through Every Step of Buying Your Home – Our goal is to make your home-buying journey smooth and stress-free. We provide clear, up-to-date information on leading lenders to help you make confident decisions. Additionally, through our parent company, Affiliates LLC, we offer unique financing solutions for select pre-owned homes that we purchase and make available with alternative financing options.
Helping You Move Closer to Homeownership – We also connect you with a reputable credit restoration partner who can assist you in improving your credit and exploring all available options—so you can get into a new home faster and more confidently.
Your Homeownership Journey Starts Here – Visit us to choose the perfect home that fits your lifestyle and needs. Learn about the wide range of financing programs, floor plan choices, and the warranties included with our homes. Once you’ve made your selection, we’ll handle the delivery and setup—so all that’s left is for you to move in and enjoy.
Start With Online Pre-Qualification – Explore A-1’s exclusive financing opportunities below. When you’re ready to take the next step, fill out the quick pre-qualification form at the bottom of the page to get started—fast, simple, and online.
Helping a Loved One Become a Homeowner
If you’re looking to purchase a home for a family member, our “Buy For” program may be a fit. This arrangement allows relatives—typically parents or close family—to purchase a home on someone else’s behalf. To qualify, the buyer must already own a home, meet credit requirements, and reside within 150 miles of where the new homeowner will live. The future occupant will also need to submit an application, and additional conditions may apply.
Your Getaway Starts Here — Vacation or Second Home Financing
Looking to invest in a weekend retreat or seasonal escape? Through 21st Mortgage, qualified buyers have the option to finance a second home for vacation use. Buyers must already own a primary residence, have the financial means to support two homes, and meet credit standards. Additional eligibility criteria may apply.
Boosting Approval with a Co-Signer
For applicants with limited or no credit history, a co-signer can be the key to securing a home loan. While a co-signer won’t compensate for poor credit, they can strengthen the application of someone with little credit. Ideally, the co-signer should be a homeowner, live in the same state, and be located within 100 miles. A co-signed loan can also help the occupant establish or build credit over time. Proof of income can be shown using alternative documentation like bank statements, 1099s, or tax returns. No minimum credit score is required. Additional terms may apply.
Flexible Income Verification for Self-Employed Buyers
If you’re self-employed, a freelancer, or earn cash-based income through jobs like driving, serving, or babysitting, you may qualify for our alternate income program. We recognize nontraditional income sources and can work with you to find a path to homeownership that fits your financial situation. Reach out to learn more about how this program could help you get into your next home.
Land/Home Financing — A Smart Way to Buy Land with Your Home
Often referred to as a conventional mortgage, a Land/Home loan is an excellent option for buyers looking to finance both a manufactured home and the land it will sit on. These loans offer a streamlined, one-time closing process and allow you to include site preparation costs—like utilities or driveways—within the loan itself. Available for both single- and multi-section homes, this option eliminates the need for PMI and allows for interest rate buy-downs to help lower your monthly payments. There’s also no requirement for a permanent foundation or land survey, and you may qualify for extended loan terms. Closing costs and loan points can typically be rolled into the loan, so there’s little to no upfront cost to you.
Use Your Land as a Down Payment
If you already own land, our Land-in-Lieu program lets you apply the equity from your property toward your down payment, replacing the need for cash. Up to 65% of your land’s appraised value can be credited toward the required down payment, with no foundation or survey needed. Improvements like septic tanks or water wells, as well as closing fees, can also be financed into your loan—helping you preserve your savings. With no PMI required and a simple one-time close through a title company, the process is designed to be fast, efficient, and affordable. Our specialized Credit and Land/Home team will guide you every step of the way to ensure a smooth and timely closing.
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