Financing Your Tiny Home Purchase

Financing a tiny home is effortless with U-BUILD. As industry leaders, we offer flexible terms and competitive rates, along with a secure online application process. Partnering with Acorn Finance ensure a smooth experience.

Acorn Finance

U-BUILD Tiny Homes has teamed up with Acorn Finance to offer simple financing options. At Acorn Finance you can buy now, and pay monthly! At Acorn Finance is an open marketplace with top national lenders - you'll have all the help you need for financing your needs and wants.

Credit Requirements

Credit Requirements

Acorn Finance is an online lending marketplace where you can easily compare rates and monthly payments from different lenders without impacting your credit score. Anyone can check for offers on Acorn Finance.

However, each lender that participates on the Acorn marketplace has a specific set of credit requirements that helps them determine, based on risk, who to lend money to. These requirements typically includes things like:
  • Your credit score
  • Your employment status and income level
  • Your credit history
  • Your debt-to-income ratio (lenders typically look to see if your outstanding debt obligations plus any new debt can be supported by your income so they can evaluate how likely it is that you will be able to repay the loan)

Generally speaking, the minimum credit score our lenders consider is around 560. They also look at other information from your credit report to determine your eligibility for a loan.
Down Payment & Assets

Down Payment & Assets

Obtaining a loan through Acorn Finance means that you are receiving the lump sum of cash. It is up to you to wire your deposit funds per the contract for the model your are buying.
Loan Amounts

Loan Amounts

Minimum Loan Amount:

Maximum Loan Amount:
Up to $100,000
Maximum Terms

Maximum Terms

Up to 12 Years
No Pre-Payment Penalties

Financing Process

Apply Online to Pre-Qualify

Fill out easy online form to check for pre-qualified offers with no impact to your credit score.

Lender & Underwriting Review

The lender will submit your file for review and request any additional information or documentation needed for approval.

Finish Your Application

Complete application process on your selected lender’s website, including uploading any and all required documentation.

Select & Design Your Model

Our team of Tiny Home Specialists and Designers are ready to help you select the right tiny home for your budget and lifestyle needs. We will assist you in selecting your appliances and finishes, prepare your contract.

Sign the Contract

After your have selected your model and any customizations, your contract will be drawn up for you to sign as soon as possible.

Receive Final Approval

After loan approval, your funds should arrive within 1-2 business days.

Wire Your Down Payment/Deposit

The wire instructions will be sent to you to send in your down payment/deposit. Confirm all wire instructions with the recipient before wiring funds.

Receive Virtual Walkthrough

When your home is ready, the builder will be in touch to schedule a virtual walkthrough so that you may take possession and approve it for delivery.

Prepare for Delivery & Install

Your tiny home is on its way, get ready and have any subcontractors ready to assist, as needed with your installation.

Wire Your Remaining Balance

The wire instructions will be sent to you to send in your remaining balance prior to delivery of your new home.

Acorn Financing

Headway Sales Inc., DBA Acorn Finance NMLS ID# 1817022 | NMLS Consumer Access California: California Finance Lender loans arranged pursuant to Department of Business Oversight Finance Lenders License #60DBO-83199
Disclaimer: Information on this site has been gathered from funding partner websites and publicly available sources. While we do our best to ensure this information is up-to-date and the calculations are accurate, all information is presented without warranty. If you find information or calculations you believe to be in error, please contact us. Advertised rates and terms are subject to change without notice. Rates as of 3/4/2022 Advertised rates and terms are subject to change without notice. Estimated interest rates, APRs, and other terms are not binding in any way. For illustrative purposes only, if you request $10,000, you could get a total loan of $10,000 with an 8.94% interest rate and $0 fees (note, if the lending partner charges an origination fee, it will increase the APR). You would receive $10,000 with 84 payments of $161. Your actual interest rate and APR will depend on factors like your credit score, requested funding amount, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. Offers represent the lowest monthly payment for the amount and term displayed. When evaluating offers, please review the funding partner’s terms and conditions for additional details. All loans and other financial products are subject to credit review and approval by our partners. If approved, funding times may vary. Pre-qualifications use a soft credit pull, which does not impact your credit score; however, our funding partners will conduct a hard credit pull when you express interest in an offer, and this could impact your credit score. The operator of this website is not a lender and does not make loans or credit decisions. This website does not constitute an offer or solicitation to lend or provide funding. This website will submit the information you provide to one or more funding partners. Providing your information on this website does not guarantee that you will be approved for a loan or other financial product. The operator of this website does not endorse or charge you for any service or product.