Financing Your Tiny Home Purchase

Financing a tiny home has never been easier thanks to U-BUILD Tiny Homes. As a leader in the industry, U-BUILD offers the best financing solutions, ensuring that your dream of owning a tiny home becomes a reality. With their flexible terms and competitive rates, U-BUILD makes it accessible for individuals to secure financing that suits their unique financial situation. The convenience continues with an online application process, allowing you to apply from the comfort of your own home. Moreover, U-BUILD understands the importance of security and provides a secure portal for you to submit any necessary documentation. What sets U-BUILD apart is their commitment to customer service—through their partnership with American Financial Network, you have direct access to a dedicated loan officer who will guide you through the financing process, answer your questions, and ensure a smooth and seamless experience. Experience the ease of financing your tiny home with U-BUILD and turn your aspirations into a reality.

Credit Requirements

Minimum FICO:

600+ (Transunion)

Debt-to-Income Cap:
43% - 50%

Down Payment & Assets

Minimum Down Payment:
Primary Home: 5%
2nd or Vacation Home: 10%

1 Month Seasoned/Gifts Okay

Loan Amounts

Minimum Loan Amount:

Maximum Loan Amount:
(Over $250K with Exception)
135% of Invoice

Maximum Term

25 Years
Tiny Home Financing You Can Rely On

Apply for Financing

Fill out the form below to connect to a Tiny Home Specialist that will walk you through the financing application step-by-step and once approved, we can start building your tiny dream home!

What Happens Next?

First 24 Hours

Connect with Your Tiny Home Specialist

Once you submit the form above, a Tiny Home Specialist will walk you through the online application, and provide further instructions for how to download the mobile app to track the status of your loan application. The application process involves a hard credit inquiry directly by the lender. To apply on your own, visit this link.

Next 72 Hours

Upload Supporting Documentation

It is important to upload all your supporting documentation as soon as possible to get pre-approved for your loan. The financing submission criteria includes: the loan application, drivers license, most recent bank statement, most recent 2 years of W2's, most recent 30 days of paystubs or proof of income (if self employed, the most recent 2 years of taxes and YTD P&L Statements).

Meet with Your Loan Officer

Your Tiny Home Specialist will schedule an appointment for you to meet with your assigned loan officer to answer any questions, go over your credit report, and collect your necessary documentation. They will submit all of your application and documentation to the underwriter to get your pre-approval letter.

7-10 Business Days

Obtain Pre-Approval Letter from Lender

Once your application is reviewed and approved by the underwriter, they will issue you a pre-approval letter. That letter will let you know how much you are approved so, so that you can began shopping for your tiny home.

Within 48 Hours

Customize Your Tiny Home with Our Design Team

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 Sales Quote.

3-4 Months

Start Building Your Tiny Home

Your final design will be submitted to the builder and you will receive an invoice and contract between you and your builder. These items will also be sent to your lender to continue processing your loan.

Prepare Your Land or Lease Your Space

It is very important that your prepare for your tiny home delivery. Whether you are intending to place your tiny home on a piece of land, or intending to park in an RV or mobile home park, we will guide you through what you need to do to prepare your land, hire general contractors, pull any permits, lay gravel, etc. Our Tiny Home Specialists are experts and we are here to serve you!

48 Hours

Sign Certificate Upon Delivery

Once your tiny home build is complete, we will handle all the logistics to deliver your new home. Once it is delivered, you will sign a Certificate of Completion that releases the money to fund your build with the lender.

Christopher Verdin | Loan Officer 
A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower's financial condition. AZ Glendale · NMLS# 1430707. American Financial Network, Inc. is licensed by the California Department of Business Oversight under the California Financing Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker's License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Refer to and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. American Financial Network, Inc. is an Equal Housing Lender.




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