Specialty
Specialty financing for unique homes
From tiny homes and park models to RV and outdoor destination communities, we help you explore financing options that fit how you actually live—backed by access to 100+ lending partners across AL, AR, CA, GA, FL, OH & TN.
Programs
Specialty options we can explore
Specialty financing is not one-size-fits-all. We’ll review your goals, property type, and documentation to match you with the right lender and program.
How specialty financing works
A clear, guided process—so you know what to expect and what you’ll need.
01
Quick discovery call
We’ll talk through the property type, community rules (if any), your timeline, and your goals.
02
Document checklist
We’ll confirm what’s needed—income, assets, credit, and any property or community documentation.
“My goal is to find the best loan for you—even if that means pointing you to a better fit elsewhere.”
03
Lender match & options
As a broker, Mozelle can shop multiple lenders to find options that align with your scenario.
04
Application & next steps
When you’re ready, apply online and we’ll guide you through disclosures, underwriting, and closing.
Specialty financing FAQs
Every property and community is different. These answers cover the most common starting questions.
Can you finance a tiny home under 400 sq ft?
Sometimes. Options depend on whether it’s a park model, how it’s titled, where it’s located, and community requirements. We’ll help you confirm eligibility and the best path.
Do RV community programs have special rules?
Yes—many communities have guidelines around age of RV, lot lease vs. ownership, and approved lenders. We’ll review the community details with you.
What credit score do I need?
It varies by program and lender. We’ll look at your full profile and help you understand what’s realistic and how to strengthen your file if needed.
How much down payment is required?
Down payment requirements vary widely for specialty properties. We’ll outline ranges based on the program and your goals.
How long does the process take?
Timelines depend on documentation and property details. Once we have what we need, we’ll set expectations and keep you updated through underwriting and closing.
Do you guarantee approval or rates?
No. Loan approval and pricing depend on credit, income, assets, property, and lender guidelines. We’ll help you compare options and choose the best fit.