Finance Options

First Federal Bank (cabins)

  • If the building is over $40,000, First Federal Bank will finance the cabin like a traditional home mortgage with closing costs.
  • If the building is under $40,000, it will just be a bank loan with no closing costs.
  • 640 Credit Score or greater is required.
  • For more information and details, contact:

Robin Lunn
First Federal Bank
Charlotte, TN
615-789-9276

Citizens State Bank (secondary homes & out buildings)

  • Installment financing for a secondary home or out buildings.
  • Available up to $25,000.
  • Minimum credit score is 630 or above.
  • Must make at least $2,000 per month gross income before taxes.
  • Must own the land where the building is going.

Light Stream (tiny homes)

  • Fixed-interest rates.
  • Loan amounts ranging from $5,000 to $100,000.
  • Unsecured, with no liens or collateral requirements.
  • No fees, down payment requirements, or prepayment penalties
  • Apply online and receive a quick response during business hours
  • Apply Here!

Rent To Own (out buildings & cabin shells)

  • Available for buildings priced up to $15,000
  • No credit check required
  • Security deposit required
  • 36, 48, and 60 month terms available depending on the size of the building
  • 1st month’s rent due on the day of delivery