Make Your Cabin
a Reality
Flexible financing options for park model cabins — from chattel loans and RV lending to cash purchase. We'll point you in the right direction.
A Little Different Than
a Traditional Home Loan
Green River park model cabins are built to the ANSI A119.5 standard and are titled as recreational vehicles — not as manufactured or modular homes. That distinction matters when it comes to financing. Traditional mortgage products typically don't apply, but there are several strong options designed specifically for park model and manufactured home buyers.
The right option for you depends on whether you own land, plan to place the cabin at a campground or resort, or intend it as a personal vacation property. Our team is happy to walk you through what we've seen work best for buyers in situations like yours — just give us a call or request a consultation.
Common Ways Buyers Finance
Chattel / Personal Property Loan
A loan secured by the cabin itself — not the land. Ideal for buyers placing the unit at a campground, resort, or leased site. Both 21st Mortgage and autoMHatic Financial specialize in this type of financing for park models.
Land & Home Loan
If you own or are purchasing land, some lenders offer programs that finance both the land and the park model together. Requirements vary — check with a lender experienced in manufactured housing.
RV Loan
Because park models carry an RV title, some buyers qualify for RV financing through their bank, credit union, or an RV-focused lender. Rates and terms vary by lender and credit profile.
Cash Purchase
Many buyers — particularly campground investors — purchase their Green River cabin outright. A cash purchase streamlines the process and eliminates financing contingencies from delivery timing.
Apply Online Through
Our Lending Partners
We've partnered with two of the leading lenders in manufactured and park model financing. Both offer online applications — pick the one that works best for your situation.
21st Mortgage Corp. | NMLS #2280 | 800-955-0021 | 620 Market Street, Suite 100, Knoxville, TN 37902. Financing subject to credit approval.
autoMHatic Financial Services. Financing subject to credit approval and lender qualification requirements. Contact autoMHatic directly for rates, terms, and program details.
What Makes Park Model Financing Work
RV Title = RV Lending Rules
Green River cabins are RV-titled under the ANSI A119.5 standard. This opens RV and chattel loan products but means traditional home mortgages typically don't apply.
Down Payment Varies
Chattel loans for park models often require 5–20% down depending on lender, credit score, and intended use. Investment or rental-use units may require larger down payments.
Credit & Income Matter
Like any loan, your credit profile and debt-to-income ratio affect your rate and terms. Getting pre-qualified before you order can help you plan your build and delivery timeline.
Time Your Application
Our build time is typically 3 weeks. Starting your financing process early — ideally when you order — ensures funds are ready at or before delivery day.
Placement Affects Loan Type
Placing your cabin at a campground, on your own land, or at an RV resort may each open different financing routes. Talk to your lender about intended use before applying.
We're Not the Lender
Green River builds your cabin — financing is handled directly with your lender. We can point you toward partners we know and trust, but loan terms, approvals, and rates are between you and them.
Financing Questions
Yes. Green River park models are RV-titled, which puts them outside the scope of most conventional, FHA, or VA mortgage products. Chattel loans, RV loans, and personal loans are the most common financing vehicles. If you own land and are placing the cabin permanently, some land-home loan products may apply — check with a lender experienced in manufactured or park model housing.
Green River does not offer in-house financing. We partner with 21st Mortgage Corporation and autoMHatic Financial, and can point you toward their application links directly. All financing is arranged between you and your lender of choice. We're happy to answer questions about the process.
Down payment requirements vary by lender, credit profile, and intended use. For chattel loans through 21st Mortgage, buyers typically see requirements in the 5–20% range. Investment or rental-use units may require more. Contacting 21st Mortgage directly or getting pre-qualified is the best way to know exactly what applies to your situation.
Both are secured by the unit rather than land. A chattel loan is specifically designed for manufactured and park model homes — lenders like 21st Mortgage specialize in this product and understand park model placement scenarios. An RV loan comes from traditional RV lenders and may offer competitive rates, but some lenders have restrictions based on how and where the unit is placed. Your best bet is to compare both for your specific situation.
As early as possible — ideally at the same time you place your order with Green River. Our typical build time is around 3 weeks. Starting the financing process early ensures your funds are in place and ready at delivery. Delays in financing can create delays in delivery and installation, so we recommend getting pre-qualified before or immediately after signing your purchase agreement.