Tiny Home Financing for Buyers

Dreaming of going Tiny and need financing to make it happen?

Whether you are a DIYing, or having a Tiny Home Builder build your home, Tiny Home Financing is available for you.

• Fill out the project financing calculator to the left and see your personalized monthly payment options within minutes 
• This is a SOFT credit check and this WILL NOT impact your credit. It's a preliminary step to finding out how much you can qualify for. 
• Note: Once you prequalify you will have two weeks to enter in an actual application and after that you will need to pre-qualify again

Hearth makes it easy for you to find monthly payment options for your dream Tiny Home with:

• Loan amounts up to $100,000
• Affordable monthly payment options
• Funding within 1-3 days, so you become a cash buyer to your builder, or fund your DIY Tiny Home project. 
• No prepayment penalties 
• No home equity required
• No certified builder required
• Convenient monthly payment options 
• Interest rates as low as 4.99% (Depends on Credit profile)
• Terms up to 12 years

FAQ

How much can I qualify for?

Loans are offered up to $100,000, however it is important you do not ask for more than you make per year.

What if my Tiny Home costs more than I am able to get financing for?

Think of it like the gap between the amount you are financed for and your dream Tiny Home as a downpayment that you need to come up with to complete the Tiny Home. Other options to close the gap, is to add a co-signer to increase your loan approval.

Are there any grants available to help pay for my Tiny Home?

Operation Tiny Home has a great downpayment assistant grant program, click HERE to learn more

How does Hearth differ than a regular bank?

Hearth is a disruptor to the traditional financing. As a software company, Hearth has solved the issue of having to apply for financing with  multiple lenders to find your ideal lender. By going through the steps of the financing calculator you submit your credit profile and that will match you your request with up to 13 lenders. 

How low of Credit Score can I have?

You can have as low as a 550 credit score, however you may be asked to have a co-signer or collateral for the loan. Your co-signor does not need to be a family member.

How many lenders are available?

For financing of $50k or more there are 3 lenders and for $75k or more there are 2 lenders. These loan amounts typically offer lower interest rates and longer term payments up to 12 years. If your income is less than you are needing for financing then you will likely need a co-signer to increase your collective income level.

Schedule your 20 Min TIny Home Call

Tiny Home Financing for Builders

Pacifica Tiny Homes Case Study for Hearth 

Click on the image below to read the Pacifica Tiny Homes Case Study for Hearth Financing and how they funded over $154k in Tiny Home Sales since using Hearth.