In This Guide
- Why Mortgages Don't Work
- Personal Loans
- RV Loans
- Best Lenders
Why Standard Mortgages Don't Work
Most tiny homes fail three mortgage requirements: minimum 400 sq ft, permanent foundation, and certificate of occupancy. That leaves four main alternatives.
Personal Loans — Fastest Option
No collateral, funded in days. Best for kit builds under $50,000. LightStream has the best rates for well-qualified borrowers. SoFi and local credit unions are strong alternatives.
Full Financing Guide →RV Loans — Best for THOWs
RVIA-certified tiny homes qualify as RVs. Rates run 6–12%, terms up to 20 years. Southeast Financial and Good Loans Mortgage specialize in tiny home financing.
Construction Loans — For Foundation Builds
Funds construction in draws, converts to mortgage when CO is issued. More complex but the right long-term tool for permanent tiny homes on your own land.
Quick tip: Get pre-approved before you order anything. Knowing your ceiling prevents expensive mistakes.