Homeownership: Unlocked.

Finding your perfect home shouldn’t feel out of reach. With simple tools, expert guidance, and flexible solutions, we’re here to help you unlock the door to attainable homeownership—your way.

What’s Your Path to Homeownership?

Everyone has their own reason for choosing attainable housing. Find the path that matches your priorities and discover how much more achievable homeownership can be.

The Payment Pro

“Monthly affordability is my top priority”
Save up to 20-30% on monthly payments compared to traditional construction. More house, less stress on your monthly budget.

The Timeline Tracker

“I need to move in ASAP”
Skip the long wait. Factory-efficient construction means you could be in your new home in months, not a year.

The Energy Saver

“I want lower utility bills”
Smart, efficient design means lower utility bills from day one. Save up to 30% on monthly energy bills with our energy-efficient homes.

The Location Hunter

“I want my ideal neighborhood”
Don’t compromise on location. Get the space you need in the neighborhood you want, without breaking the bank.

The Finance Navigator

“I want smart financing options”
Access competitive rates and flexible financing solutions designed specifically for attainable housing buyers.

The Quick Starter

“I want to start building equity now”
Begin your homeownership journey sooner with lower down payment requirements. Some buyers can start with as little as 3-5% down.

The Veteran Homeowner

“I want to use my VA loan benefits”
Your service earned you exclusive financing options. Use your VA loan benefits for an attainable home with potentially zero down payment and competitive rates.

The Rural Pioneer

“I’m looking for USDA loan options”
Take advantage of USDA Rural Development programs for your attainable home. Access specialized financing with potentially zero down payment in qualifying rural areas.

The Fresh Starter

“I need to replace my home after a natural disaster”
Fast-track your recovery with a disaster relief replacement home. Expedited timelines and specialized financing options available for those affected by natural disasters.

The Investment Strategist

“I’m expanding my real estate portfolio”
Maximize your investment potential with lower construction costs and faster completion times. Perfect for vacation rentals or portfolio diversification with potentially higher ROI compared to traditional construction.
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Fast Facts About Homeownership:

Owning a home can actually save you money in the long run! Many homeowners pay less in monthly mortgage payments than they did in rent—why not make your money work for you?
Invest in You
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Welcome to the
Attainable Housing Hub.

Discover everything you need to know about attainable housing in one place. From key definitions and FAQs to expert blogs and resources, we’re here to simplify the journey to affordable, accessible homeownership.

Key Terms Explained

Demystify the jargon.
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FAQs Answered

Find quick solutions to your biggest questions.
Learn More

Understand the Process

Dive into strategies, tips, and stories about making homeownership possible.
Find Out How

Calculate Your Budget

It’s hard to buy when you don’t know your budget. Discover what’s possible with our easy-to-use mortgage calculators.
Budget Smarter

Attainable Homes

Ready to get financed for a manufactured or CrossMod home? Here’s a look at what’s possible.

ProductMinimum Credit ScoreLoan TypeMinimum Down PaymentHome Type/PurposeLoan TermRate Type
Conventional580Purchase & Refinance3%Primary residence, second home, and investment property10, 15, 20, 25, or 30 yearsFixed & ARM
FHA550
Req 10% down		Purchase & Refinance3.5%
Min 580 score		Primary residence10, 15, 20, 25, or 30 yearsFixed or ARM
USDA580Purchase & Refinance0%Primary residence30 yearsFixed
VA550Purchase & Refinance0%Primary residence10, 15, 20, 25, or 30 yearsFixed
Conventional One-Time Close700Purchase5%Primary residence, second home, and investment property15 or 30 yearsFixed
FHA One-Time Close580Purchase3.5%Primary residence15 or 30 yearsFixed
VA One-Time Close580Purchase0%Primary residence15 or 30 yearsFixed
ProductMinimum Credit ScoreLoan TypeMinimum Down PaymentHome Type/PurposeLoan TermRate Type

Product Highlights

MH Advantage

A new financing solution that allows borrowers to purchase and renovate eligible manufactured homes with a single, affordable first mortgage.
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One-Time Close

Bundle the purchase of the land and your factory-built home into one mortgage loan instead of taking on two separate mortgages for each.
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Cardinal Special Purpose Credit Program

A down payment assistance program can help you cover appraisal credits and more costs associated with purchasing a home.
Learn More