No credit check to shop
Finance with West Ranch
See a real monthly payment on every home before you talk to anybody. Nothing on this site touches your credit, and the number you see is the number you would actually pay.
Every payment is
All in
Home payment, lot rent and estimated insurance in one figure. Not a teaser that grows when you call.
Shopping costs
Nothing
No soft pull, no hard pull. We do not ask for your Social Security number or date of birth.
Homes start at
$1,149/mo
With $10,000 down over 25 years. Change that anywhere on the site.
Work it out yourself
What would a home cost you a month?
Every input is yours, including the rate. If a lender has quoted you a number, put theirs in and see what it does.
- Estimated home payment$479
- Lot rent at West Ranch$625
- Estimated insurance$45
- Estimated total housing payment$1,149
Financing $48,900 over 25 years at 11.00% APR. Insurance is estimated at 0.92% of the home price a year. Lot rent is billed separately and is never financed into the home. Property taxes on a home in the community are billed to you separately and are not included above.
See if I qualifyA few questions, no credit check, no obligation. This is an estimate, not an offer of credit or a decision on your application.
Who actually lends the money
Not us. West Ranch is not a lender and does not make credit decisions. We take your application to lenders who finance homes of this type, and they decide your rate and terms based on your credit.
That matters for one practical reason: the payment you see here is a well-informed estimate, not an approval. It assumes 11.00% APR over 300 months. Your real number could be better or worse. Anyone who tells you otherwise before pulling your credit is guessing.
Zippy lends on manufactured homes specifically, which most banks will not touch. The application is online, takes a few minutes from a phone, and they look at a wider range of credit than a traditional mortgage desk does.
- Built for manufactured homes, not a mortgage product bent to fit one
- Apply from your phone in a few minutes
- Zippy makes the credit decision and sets your rate, West Ranch does not
- A soft enquiry to start; your credit is only pulled when you apply
West Ranch is not a lender and receives no application fee. Credit decisions, rates and terms are the lender’s alone, and nothing here is an offer of credit or a guarantee of approval.
What the payment actually covers
| Home payment | Principal and interest on the home itself. This is the only part that is financed. |
|---|---|
| Lot rent | $625 a month for your site and every amenity in the community. Billed separately, never financed into the home. |
| Home insurance | Estimated at 0.9% of the home price per year. Your own policy, your own carrier. |
| Not included | Electricity, water, property taxes, deposits, furniture. Set up in your own name. |
Credit
We ask you to describe your own credit on the prequalification form. We do not check it, no soft pull, no hard pull, and we do not ask for your Social Security number or date of birth.
Your credit is pulled once, by the lender, after you have decided to go forward and given them permission. They provide any notices the law requires. Rebuilding credit does not rule you out here, tell us where you actually are and we will tell you straight whether it works.
Payments shown across this site are estimates for illustration only and are not an offer of credit, a prequalification, or a commitment to lend. Full assumptions and disclosures.