Land-home financing guide
VA, FHA and Conventional — whether you already own land or still need it.
One loan can cover your land and your new home. TLH works with Innovative Mortgage Services (NMLS #250769) on land-home construction financing.
Loan types
| Program | Who it's for | Down payment |
|---|---|---|
| VA | Eligible veterans, active-duty service members and surviving spouses | Ask our lender |
| FHA | Government-backed, flexible qualifying guidelines | Ask our lender |
| Conventional | Traditional financing for qualified buyers | Ask our lender |
Already own land?
If you own your land, it may count toward your down payment on a land-home loan. Have your deed, parcel number and any survey ready.
Need land?
A land-home loan can cover buying the lot and building on it. Before you buy, check zoning (does it allow manufactured or only modular?), flood zone, road access and whether city water and sewer are available. We're happy to look at a lot with you.
Credit basics
Your credit score, income, debts and down payment all affect your rate and which programs fit. The fastest way to know is a quick pre-qualification.
How it works
- Call our financing contact at 813-541-0841 or apply online to pre-qualify.
- Choose your land and your new home.
- Close one loan that covers the land purchase and construction of your home.
- TLH Homes delivers your new home, and our preferred installer can handle the full install.
All loans are subject to credit approval. Terms and programs may change. TLH Homes is not a lender. Financing provided by Innovative Mortgage Services, NMLS #250769.
Ready to see your price?
Tell us the home you like and your county. We'll send a written quote.