Kingston, WA 98346
Customer Support
Tue - Sat: 10:00AM - 5:00PM
Sunday - Monday: Closed
Kingston, WA 98346
Customer Support
Sunday - Monday: Closed
No matter where you are on your homeownership journey, ECM Homes is here to help you find a financing solution that fits your budget and goals. Whether you’re buying your first home, upgrading to a larger space, or looking for a comfortable place to retire, we’ll walk you through your options with clarity and care. We work with trusted lenders and offer a range of loan programs designed to make homeownership more accessible and affordable. Let us help you take the next step with confidence.
FHA loans are a great option for buyers with limited savings or lower credit scores. With low down payment requirements (sometimes as little as 3.5%) and flexible credit guidelines, these government-backed loans make homeownership more accessible for first-time and returning buyers alike. ECM Homes can help you explore your eligibility and connect you with trusted FHA lenders who understand the manufactured home market.
Looking to place your home on private property? Our land/home financing packages allow you to combine the cost of your new home and land into a single, streamlined loan. This makes monthly payments more manageable and simplifies the closing process. Whether you already own land or need help finding the right lot, ECM Homes will guide you through every step of the land/home journey.
For qualified buyers, VA and USDA loans offer valuable benefits like zero down payment, competitive interest rates, and reduced closing costs. VA loans support eligible veterans, active-duty service members, and their families, while USDA loans help low-to-moderate-income buyers purchase homes in designated rural areas. We’ll help you determine eligibility and connect with lenders who specialize in these government-backed programs.
If you have strong credit and a stable income, a conventional loan could be the right fit. These loans typically offer a wide range of term lengths, including fixed and adjustable-rate options, giving you flexibility in how you structure your payments. Our team partners with lenders who offer competitive rates and personalized options tailored to your financial goals.
A chattel loan, or chattel mortgage, is a type of loan secured by movable personal property instead of real estate. The movable property, known as the "chattel," is used as collateral for the loan. The most common use of a chattel loan is to finance the purchase of a manufactured or mobile home when the borrower does not also own the land.
Home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Eligible borrowers can get into a home with a low down payment and flexible underwriting. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.
