How do I finance a Tiny Mountain RV?
Securing financing for your Tiny Mountain House RV is as simple as getting a car loan! We recommend talking with your local credit union to explore your financing options for an RV loan. Credit Unions typically have better rates than the big banks and they typically offer a longer pay of term.We always recommend checking with multiple sources before making your final decision. Your credit rating and history are critical components to securing favorable RV financing. Lending institutions are looking for a value product that they can feel comfortable lending on and a responsible creditworthy owner that has the ability to repay the loan amount on time as agreed to. The fact that all Tiny Mountain Houses RV’s are nationally certified RV’s, this adds solid credibility for your lender. Often time’s credit unions and banks need a bit of educating to make clear what a Tiny Mountain House RV is. We encourage you to contact us for advice on how to approach your lender to better your chances of gaining an acceptable financing program that works for you!
Prior to funding your loan, your lender will require a purchase agreement showing the total cost of your new Tiny Mountain Houses RV. Once we have finalized your cost a purchase order will be provided to satisfy your lender’s requirement
What’s the difference between a Tiny Mountain House RV and a Park Model?
Our Tiny House RV’s are sometimes mistaken for Park Model RV’s. When in fact our homes are built and certified as travel trailers not park models. Travel Trailers are easier to finance and our homes are within the required legal size requirements as dictated by the Federal Motor Vehicle Safety Standards, subsequently, do not require special permits or driver’s licenses to tow them, you can haul them just like a normal travel trailer! A typical Park model requires specialized moving equipment a travel permit and usually a building permit for placement. In other words, not something most can do on your own. Another issue is that Park Model payment terms are traditionally shorter in duration and interest rates higher than that of a travel trailer.
Why don’t some lenders like to lend on Park Model RV’s?
Credit Unions and banks tend to shy away from lending on Park Model RV’s because they are typically stationary and often encapsulated by a deck which makes them much more difficult to repossess if need be. Buying an RV makes the lenders much more comfortable lending if they know the Tiny Mountain House RV will be used for recreational purposes.
What kind of warranty does a Tiny Mountain House RV come with?
We offer a 1-year manufacturer’s warranty on all craftsmanship in the home. That means if anything goes wrong in the first year of owning your Tiny Mountain House as a direct result of our workmanship we will have it repaired or replaced. All your appliances and fixtures are warranted by their respective manufacturers as well. For example, our standing seam metal roof comes with a 40-year warranty from the manufacturer. We use many of the same components used in a typical site-built home to provide you with the comforts and security of residential construction, just in a smaller more portable package. All of our tiny house RV’s are built using quality materials to provide you with a Tiny Mountain House RV that will last for many years to come.