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(205) 990-5310

980 Dandy Ln., Clanton, Alabama 35045

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Summit Homes by Timberline knows that financing is especially important in these economic times. When you purchase a home from us, we take our time to get to know you and understand your individual financial needs and expectations.

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Summit Homes by Timberline’s financing encompasses many aspects, whether you’re buying the home without land, using land-in-lieu of a cash down payment, combining land and home assets, or dealing with a less-than-average credit rating. Summit Homes by Timberline will help guide you to the best financing available for you and your loved ones to enjoy your new home.


These loans are for the purpose of combining your owned land or land that you wish to purchase with the manufactured home that you’re buying. In this case, a mortgage would be filed and property taxes will be assessed annually. The benefit of this type of loan is that customers with mediocre credit may be able to qualify. The land-home process generally takes longer than other types of loans.


This type of loan is similar to a chattel loan, except you may use owned land-in-lieu of a cash down payment. You may also use a combination of both land and cash for your down payment.

Home Only or Chattel

This type of loan is when the customer is buying the home itself without using land. This type of financing typically requires a down payment of at least 5% of the price of the home (including tax). A higher down payment will result in a lower rate of interest and may increase your ability to buy your home.

Credit Repair

Timberline also offers a Credit Repair Program for customers who don’t meet the minimum credit score requirements for our finance companies. This program is a free program for you, and it typically takes about 35-45 days to complete.

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Ready to get started? Simply call (205) 990-5310 to get information about the financing options available for you.

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