Financing
Skip the banks.Finance with us.
Home Capital lends directly — faster approvals, fewer surprises, and terms shaped around real households, not credit-score gatekeeping.
No bank required
We finance directly. Decisions in 24 hours, not 24 days.
Credit from 550+
Your score matters less when your story makes sense.
$0 down payment
Low- and no-down payment programs available on qualifying models.
Fixed rates
No balloon payments. No surprise resets.
Close in 14 days
Get keys in weeks, not months.
No hidden fees
Cash and financed prices are listed up front. Always.
Your Estimated Payment
How financing works
Four steps from application to keys.
A two-minute form. Soft credit pull only — no impact to your score.
Our underwriting desk reviews the whole picture, not just the number.
Fixed rate, fixed payment, no surprise resets or balloon payments.
Funding aligns with delivery so the day you sign is the day you settle.
Documents we’ll ask for
A short list, not a stack.
Most buyers can clear the document review in a single afternoon. If you are self-employed or paid in cash, talk to us anyway — alternative documentation programs are part of what we do best.
Government-issued photo ID
Two most recent pay stubs (or year-to-date P&L for self-employed)
Two months of bank statements
Last year’s tax return
Proof of land ownership or land contract (if applicable)
A budget number you’re comfortable with — we will work backward from it
Common questions
Before you apply.
Will an application hurt my credit?
No. The pre-qualification step uses a soft pull, which does not affect your score. A hard pull only happens once you accept terms and move forward.
What credit scores do you work with?
We regularly approve buyers from the high 500s up. A lower score usually means a slightly higher rate, not a flat denial.
Do I need land?
Not at signing. We finance home-only and land-and-home packages. If you are still searching for land, our team can point you to local lots that have hosted Home Capital sets before.
How long until I get keys?
Most buyers move in 30 to 60 days from contract. Lead times vary by model and site readiness — we’ll give you a concrete date in writing before you sign.
Are the rates fixed?
Yes. Every Home Capital loan is fixed-rate, fully amortizing. No balloon, no reset, no surprises.