Hartland Homes helps to arrange financing to meet your needs.

Financing

Our goals here at Hartland Homes Builders include helping to arrange financing to meet your needs. Credit applications are submitted for pre approval without charge. Hartland Home Builders has a good working relationship with many banks and mortgage companies that will work with our clients with a variety of credit scores, income levels and down payments. If you own property, equity in it can be used as a down payment or if you find property you want to purchase, it can be rolled together with the house purchase into a land/home package.

We work with any loan institution so if you should want to get your mortgage from your home bank, we’ll see that they get all the information they will need.We do prefer to work with "Construction Loans".

We are also an approved builder for the USDA Rural Development Program which subsidizes loans for low income families in qualified areas. Through this program, you could qualify for a $100,000 mortgage with a monthly payment of only $310!

Budgets
Not quite sure how much you can afford? If you know what monthly payment you can handle, the new home consultants at Hartland Home Builders can sit down with you and help you put together your project budget using a simple formula - HOLS (Home + Options + Land + Site Work). For example, you want an $800/month payment: insurance and taxes usually average $150/month, so you are left with $650/month. At the current rate of 6%, you can afford an $110,000 mortgage.