Hey Dallas/Fort Worth! Come check out our newest community,
Lakeway Village!
buying Process

Financing

About our Financing

Your Path to Homeownership Starts Here
At Civitas, we make homeownership simple and accessible. We connect future homeowners with trusted lenders who specialize in manufactured home financing—so you can find the right home in the right community without the stress or confusion.

Whether you’re a first-time buyer, self-employed, or rebuilding your credit, our team will help guide you every step of the way.

Why Apply With Civitas?

Unlike traditional real estate companies,we focus exclusively on creating vibrant manufactured home communities—and that means our process is designed specifically for buyers like you. When you apply through Civitas, you’ll benefit from:

Quick and secure
online application

Access to trusted manufactured home
loan programs

Financing options for first-time buyers, families, and self-employed applicants

Step-by-step support from our team throughout the process

What You’ll Need to Apply:

Applying is quick and straightforward. Be ready to provide:

Valid Driver’s License
Passport or Social Security Card
IRS ITIN Registration Form (if applicable)
Most recent bank statement (last 2 months)
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Credit Requirements

Minimum Requirements
Often Include:

Credit Score
Starting at 550 (programs available for higher/lower scores depending on lender).
Household Income
Around $4,500/month gross income is recommended for most homes.
Debt-to-Income Ratio
Starting at 550 (programs available for higher/lower scores depending on lender).

Not Quite There Yet?

Connect with Lenders
We’ll connect you with lenders who can give you a plan to improve your score.
Co-Signer
You may qualify with a co-signer.
Special Programs
Special programs are available for buyers building or repairing credit.

Loan Programs

Home Financing

Low down payment (as little as 3.5%)
Flexible credit requirements
Perfect for first-time homebuyers

Chattel Loans
(Home-Only Financing)

Finance the home without the land
Faster approval process
Lower upfront costs

Down-Payment Assistance

For many families, saving for a down payment is the biggest barrier to homeownership. That’s why Civitas Communities works with programs who offer down payment assistance to help qualified buyers move in faster.

Other Options

Co-signer options
Self-employed buyer programs
Limited credit history assistance
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Buying Process

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Apply for Financing

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Homeowner FAQ’s

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