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Pacifica Tiny Homes
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Pacifica Tiny Homes
Home
Models
  • Bay Cottage
  • Tiny Victorian
  • Tiny Expedition
Available now
STAY IN A TINY HOME
About
Warranty
Projects
Photos & Videos
Financing
Certifications
FAQ's
More
  • Home
  • Models
    • Bay Cottage
    • Tiny Victorian
    • Tiny Expedition
  • Available now
  • STAY IN A TINY HOME
  • About
  • Warranty
  • Projects
  • Photos & Videos
  • Financing
  • Certifications
  • FAQ's
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  • Home
  • Models
    • Bay Cottage
    • Tiny Victorian
    • Tiny Expedition
  • Available now
  • STAY IN A TINY HOME
  • About
  • Warranty
  • Projects
  • Photos & Videos
  • Financing
  • Certifications
  • FAQ's

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Need Financing?

At Pacifica Tiny Homes we work with all customers, whether you're paying cash or need a loan. Here you will find some financing companies that we recommend. Some of the companies are very quick and can approve and fund you within a few days with good credit, while some offer longer terms and will require a down payment and more paperwork for approval. You are also welcomed to get a loan through your local bank, credit union, or other source to fund your project.

Getting Funded

Grant Available

Grant Available

Grant Available

Those seriously impacted by wildfires and loss of work and/or housing due to COVID-19 may qualify for this Down Payment Assistance Grant through Operation Tiny Home, up to $12,000.

You must go through builder to apply.

What are the requirements?

Free FICO Score

Grant Available

Grant Available

90% of top lenders use FICO Scores. Checking your own credit will NOT lower your Score.

Give me my score!

Credit Booster

Grant Available

Credit Booster

Experian can boost your FICO score instantly by as much as 20 points. Oh, and it's free!

Boost me!

21st Mortgage

21st Mortgage Corporation is a full service lender specializing in manufactured and mobile home loans. 21st mortgage works with customers who have little to no credit, and offers loans as long as 30 years.

*To apply online, click on the link: Online Application

You can also check your estimated monthly payments by using the Payment Estimator


*All applications should be filled out to the best of your ability and with as much information as possible.


You must sign a purchase agreement and put down the initial deposit with Pacifica Tiny Homes in order to finalize the paperwork  for financing. Pacifica Tiny Homes will not submit any paperwork to the financing company without a purchase agreement in place. Your pre-approval may expire if you do not sign a contract with Pacifica Tiny Homes ahead of time.


Interest Rates

Rates typically range from 6.35% to 11.99% and are based on the overall credit profile of the buyer, age of the home, collateral type (i.e. home type, home placement, etc.), occupancy type (i.e. primary residence, secondary home, etc.), loan amount, and loan to value. 


Down payment

Home loan down payments as low as 0% are available for well qualified buyers. Typical down payment range from 5% to 35% and are based on overall credit profile of the buyer, collateral type, and occupancy type. Investment properties and “Buy-For” transactions require a minimum of 20% down payment. Home loan down payments may be in the form of cash, trade, or land equity.

Liberty Bank of Utah

Loan Terms

Liberty Bank offers tiny home loans on 5-Year, 10-Year, 15-Year, and 23-Year terms. Certain terms may not be available for all applicants based on credit history and income. There are no pre-payment penalties with Liberty Bank, meaning you are free to pay off your loan at any time ahead of the designated term.


Apply Here!

Interest Rate

Interest rates will vary depending on a variety of factors, including an applicant’s credit history and income. Initial rates can range anywhere between 8.75% and 11.75%. Contact a loan officer at Liberty Bank at 801-363-LEND (5363) to learn more.


Down payment

Liberty Bank requires a 20% down payment of the total purchase price.

LightStream Financing

Fund or refinance your tiny home, at a low-interest rate from LightStream. See the below link for information about current rates and financing options. We may be compensated by these links. 



             APPLY ONLINE HERE

Eloan.com

Get up to $35,000 Pay for your tiny house trailer 


Affordable Interest Rates Low, fixed rates starting at 8.99% APR


No Origination Fees. No Prepayment Penalties No hidden costs, no annual fees, and no early payment penalties


Flexible Payment Terms Customize your payback period, from 24 months to 5 years

Find out more

Lendingtree.com

Did you know that Lendingtree offers loans for Manufactured or Mobile Homes? 

They have low rates and checking to see if you qualify doesn't hurt your credit score! 

Check them out today and see if you can get the tiny home financing you need in minutes.

Just click on the banner to get started!

Pacifica Tiny Homes

Office: Pacifica, CA

Shop: Corcoran, CA

David: Sales Director 650-484-8587

Crystal: Financing and Interior Design 650-484-8596

Jasmin: Detailing, Modeling and Warranty 310-259-6990


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