Financing

Gulf South Homes Inc

Financing Options from Gulf South Homes

At Gulf South Homes, we work with a wide network of trusted lenders to help make homeownership possible for more families, even if you’ve been turned down elsewhere. With flexible financing options and lenders who consider low credit scores, non-traditional income, and first-time buyers, we’ll help guide you to a solution that fits your budget and situation.


Whether you’re buying a home only, purchasing land with your home, or using land you already own, our licensed sales team is here to make the process simple.

Home Only

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    This option is for buyers who already own land or plan to place their home in a park or on private property. With home only financing (sometimes called chattel loans), you’re financing just the manufactured home, not the land. This option often comes with lower upfront costs and faster approval.

 Home & Land

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    Looking for a full package? This option allows you to finance both the home and the land together under one loan. Whether you’re buying in a subdivision like La Belle Maison or placing a home on your own land, this is a convenient, all-in-one solution. You may qualify for conventional, FHA, VA, or USDA loans depending on your credit and location.

Land in Lieu

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    Already own land or have family land? You may be able to use it in place of a cash down payment. This is called land in lieu and it’s a great option for buyers who want to lower their out-of-pocket costs while building equity.