Flexible Financing Programs to Help You Own Your Tiny Home
At Great Lakes Tiny Homes, we understand that purchasing a tiny home is a significant investment. That's why we offer three flexible financing options to help make your tiny home dreams a reality.
Our in-house financing solution for simple homeownership.
Perfect For You If:
- You have at least $2,500 available for a security deposit + sales tax + first month lease payment.
- You prefer to avoid traditional mortgage processes.
- You're looking for flexible payment terms.
- You want to start home ownership without being worried about your credit score.
In-house Layaway: lock in now, pay over time (up to 10 yrs) & move in when paid off.
Perfect For You If:
- You want to lock in current pricing while finalizing your plans.
- You need time to arrange additional financing.
- You appreciate flexibility with a full refund option available.
Traditional financing options through our trusted third-party partner.
Perfect For You If:
- You have a strong credit score.
- You have existing equity to leverage for a new loan.
- You own property or land that can be used as collateral.
- You prefer conventional financing structures.
Ready to Start Your Tiny Home Journey?
Our experts are here to help you choose the perfect option for your situation. Get personalized guidance and start the application process today.
Frequently Asked Questions
What credit score do I need for traditional financing?
For our Backyard Financing option, we typically recommend a credit score of 650 or higher. However, our partners may work with lower scores depending on other factors like income and collateral.
How long does the approval process take?
For Backyard Financing, approvals usually take between 24–72 hours once you’ve submitted all required documents. For Rent-to-Own and Layaway, approval is almost instant — once your deposit is secured, you’re ready to move forward.
Can I switch between financing programs?
Yes, in many cases you can. For example, you might start with our Layaway Program to lock in pricing while you prepare your finances, then switch to Rent-to-Own or Backyard Financing once you’re ready. Our team will guide you through the best path for your situation.
Are there any hidden fees?
No. We’re committed to transparency. All fees will be outlined before you sign anything. For Rent-to-Own, your monthly payment and deposit are clearly stated upfront. For Layaway, your payments go directly toward your home’s purchase price. For Backyard Financing, any lender fees will be disclosed in advance.