FAQ's

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TINY INSURANCE

It can be daunting to sift through the many options and spend time researching all the companies so we’ve done some of that research for you and found a few great options for insurance for tiny homes.

  • Darrell Grenz out of Portland, OR provides insurance for tiny homes on wheels, foundation, skids, and can extend to DIY tiny houses, RVIA, and more. His coverage extends to most states in the US and you can receive a free quote now.
  • Martin Burlingame from Strategic Insurance Agency is based out of Colorado Springs and offers a full suite of insurance products for tiny houses including DIY builds, tiny businesses, ADUs, rentals, AirBnbs, etc. He can also offer insurance products in nearly all states in the US, the best way to reach him is at (719) – 602 – 6066 or visit his website here.
  • Michael Carmona in Portland, OR is a Farmers Insurance agent and offers tiny house coverage in 40 states. He requires no inspections, even on DIY builds and can be reached at (917) – 238 – 2502. View his website here.

FINANCING

While we do not offer financing at this time, we do have a few recommendations:

  • South Star Bank: Ryan Noyce, tiny house loan expert, (512) – 243 – 7430, ryan.noyce@southstarbank.com. For a tiny house on a travel trailer, a 25% down payment and good credit is required. For a tiny house on land without wheels, you can qualify for a traditional Freddie Mac or Fannie Mae loan.
  • PayPal Loan Builder: (800) – 347 – 5626. It may be helpful to combine one or two personal loans to complete your project.
  • LightStream: a division of SunTrust Bank, Lightstream is a financing option for tiny homes. No fees, no down payment, easy online application, funding is released 24 hours after approval and you can find rates as low as 5.74%.
  • Prosper:
  • Rock Solid Funding:

So you wanna buy a tiny home? Four steps to your dream tiny home:

  • Step one: secure your financing so you know your budget.
  • Step two: secure your location to park your tiny home. Will you buy land? Park in a family or friend’s backyard, or a Rv park or community? See more info at this blogpost:
  • Step three: choose your builder. You can schedule a free 30 minute phone consultation with Hill Country Tiny Houses to discuss your project. We will use your budget and needs as the guideline. If you wish a custom design, we offer that too. (At this phase, you may want to schedule a tour of one of our homes and/or you may want to book a weekend stay in a tiny home to confirm it’s the right decision for you.)
  • Step four: now you’re ready to dive in and make your big dreams come true! We collect a $2,000 deposit to start your project. This will be credited back when you place your final order. We start designing your custom home with our software, the floor plan, the elevations, choosing colors and finishes, all the fun stuff!
  • Step five: 50% down to start your build and 50% two weeks before we are finished. Allow at least 12 -14 Weeks to complete your project. We can deliver it or you can pick it up.
  • Tiny House Lender Options

1. Personal loans from your local bank, Lending Tree, or even PayPal (many people will combine 1-3 loans from different companies to get the desired total) 

2. Home equity line of credit (some will take out a loan this way and when they sell their house, pay it off).

3. Of course, the option to borrow from friends and family and let them be your bank may save on down payment fees, closing fees, and higher interest rates.

4. The last section of this post includes tiny house trailer lenders. The middle section is for tiny houses on land only. I have listed in order of my personal preference.

TINY HOUSE LENDERS FOR THOSE WHO OWN LAND OR WANT TO BUY LAND

Hugh Vaughn, rep for Guild Mortgage

GUILD MORTGAGE, HUGH VAUGHN

Mortgage Broker/Lender. He has access to multiple lenders, but can only serve clients who own land and will put a park model (permanent style–ie. take the wheels off the trailer and put on foundation) style tiny home on it. hvaughn@guildmortgage.net. 512-775-2883. Hugh has had success helping a family in Bastrop, TX, secure a small lot for a small home and get funding. He is a personal friend of ours and we highly recommend him. On the website, you will find some tools like the pre-qualification calculator and affordability calculator.

 

Thrive Mortgage, Georgetown, Texas

South Star Bank, Austin, Texas

(Please note: Not our first choice simply because they haven’t succeeded with our clients.) Ryan Noyce. phone:  (512) 243-7430.   20-25% down. 7-10% rates for 10-15 year loans.  ryan.noyce@southstarbank.com. https://southstarbank.com/

Texas Hill Country Bank

Kenneth Early is our contact over there. We are friends with the President of the bank and they will do what they can to help you. Mention our name. 830-955-8535. kenneth@txhcb.com.

FIRST FINANCIAL BANK

Texas only. No land size requirement, can finance land and home as a package. Builders risk policy.

CITIZENS STATE BANK

CITIZEN TRUST BANK

MINNEOLA COMMUNITY

Dallas, Texas area.

CAPITAL FARM CREDIT

If you won or are buying at least 5 acres, this one may be a great fit for you. It does require a down payment and you can not have a chassis (trailer/wheels) under it. Rates are very good in this option. We deliver to you on pier and beam and set on a permanent foundation. As long as it is still under 400 sq ft, it doesn’t raise your property taxes. It is often considered an ADU (accessory dwelling unit). Some cities like Austin, Kerrville and most recently Los Angeles, have already legalized ADU’s. Visit website here.

Loan Star Ag Credit

If you own or are buying at least 10 acres, you can have a fully titled home at the end and get the best rates (even without a construction loan process or down payment) in the industry of tiny houses here. Again, you can not have a chassis (trailer/wheels) under it. We deliver to you on pier and beam and set on a permanent foundation. As long as it is still under 400 sq ft, it doesn’t raise your property taxes. It is often considered an ADU (accessory dwelling unit). Some cities like Austin, Kerrville and most recently Los Angeles, have already legalized ADU’s. https://www.lonestaragcredit.com/. 800-530-1252

BULLISH BOB BAGLEY SECURITIES INC.

TYPE OF LENDER: Other REQUIREMENTS: Other COLLATERAL REQUIRED: Yes ADDITIONAL NOTES: Bob is a an Investment Banker (Securities Broker/Dealer) 972-285-5474…

INCOMMONS BANK OF WACO

LOCATION SERVED: Texas Only. This is a full-service lender.…

 

 

TINY HOUSES ON WHEELS – TRAVEL TRAILER OPTIONS

******Again, it is far more difficult to finance these. Cash buyers are best. Banks do not like them because they are mobile and if they need to repossess one, it could be far away and they probably could not track it down. Consequently, they require about 20-25% down payment and shorter terms like 7-15 years and higher interest rates (often times 7-15%). They also require higher credit scores. If you have any assets/collateral to offer, that does make it easier. Oftentimes, people get a family member to loan them the money or they apply for a personal loan, sometimes two or three personal loans to equal the total they want to borrow.

CITY NATIONAL BANK

Title Required 20% down / min credit score 650 Contact: RonWatson # 903-885-7523 Ext 4139 email: ron.watson@bankatcnb.com

 

LIGHT STREAM

LIGHT STREAM LOCATION SERVED: USA TYPE OF LENDER: Bank REQUIREMENTS: Personal Loan COLLATERAL REQUIRED: https://www.lightstream.com/tiny-houses

PROSPER FUNDING LLC

LOCATION SERVED: Nation wide with exceptions listed below

Rock Solid Funding

SOFI

LOCATION SERVED: All States except Mississippi. Call Ken

LIBERTY BANK OF UTAH

ONE MAIN FINANCIAL

ONE MAIN FINANCIAL LOCATION SERVED: USA TYPE OF LENDER: Bank REQUIREMENTS: Personal Loan COLLATERAL REQUIRED: No ADDITIONAL NOTES: https://www.onemainfinancial.com/

LIBERTY BANK OF UTAH

PARK MY TINY HOUSE

  1.  Search Tiny House Villages is one of the best resources for placement options across the nation. We are friends with the founder, Jill Kanto.
  2. This website has multiple options: https://www.tinyhomebuilders.com/tiny-house-communities/search
  3. www.tryittiny.com this is a great resource, just type in the location and search for places to park, or rent a tiny house to “try before you buy”.
  4. www.imatinyhouser.com
  5. https://www.tinyhomeindustryassociation.org/tiny-home-communities/
  6. Lake Dallas Tiny Home Village
  7. Enchanted Woodlands, South Austin. Contact Eduardo, 512-600-1350. OFF GRID, ON WHEELS ONLY.
  8. Open Air Resort, Spicewood, TX. Todd and I toured this and it’s very nice near Lake Travis, with pickleball courts, sand volleyball, pool, fishing pond, and clubhouse. Rent is about $700 a month, bring your own tiny house. Great place to rent a tiny house to test it out for a weekend too. info@openairresorts.com or call 512-559-4284.
  9. Medina, Texas. Rocky Point Retreat http://rockypointrvretreat.com/. Must be 50 years or older. Can rent or buy lots to park a tiny home. It’s really beautiful here and very remote. Contact George: 210-413-9216

  10. Medina, Texas. Skyline Ranch RV Resort, https://www.skylineranchrvpark.com/

  11. Bandera, Texas. We have personally parked our tiny house here and had a wonderful time. http://www.antleroakslodge.com/.

  12. The Village at River Pointe/Hickory Hills Camp Resort. LOCATION ADDRESS: 499 Dixie Hill Road Spencer, Indiana 47460 TYPE OF TH: Wheels TYPE OF ZONING: Rv OWN OR RENT

  13. Guyton, GA . LOCATION ADDRESS: Green Bridge Farm: 1302 Zittrouer Rd, Guyton, GA 31312 TYPE OF TH: Foundation TYPE OF ZONING: Rv OWN

  14. Bridesville, British Columbia. LOCATION ADDRESS: Wheatgrass Tiny House Community: 36 Timberwolf Trail Rd, Bridesville British Columbia TYPE OF TH: Wheels 

  15. Mason & Grays Harbor, WA. LOCATION ADDRESS: Washington State: Mason and Grays Harbor County WA, 98526 TYPE OF TH: Wheels TYPE OF ZONING: Single Family Residential.

  16. Debary, FL. LOCATION ADDRESS: Florida: 488 W Highbanks DeBary FL 32713 TYPE OF TH: Wheels TYPE OF ZONING: RV OWN OR RENT

  17. Chiefland, FL. LOCATION ADDRESS: Florida: 1250 NW 82 Ct, Chiefland FL 32626 TYPE OF TH: Wheels TYPE OF ZONING: RV OWN OR

  18. Ruskin, FL. LOCATION ADDRESS: Florida: 302 24th St SE, Ruskin FL 33570 TYPE OF TH: Wheels TYPE OF ZONING: RV OWN OR

  19. Inman, SC. LOCATION ADDRESS: South Carolina: 200 Lowe Lane, Inman SC 29349 TYPE OF TH: Wheels TYPE OF ZONING: RV OWN OR

  20. Rodeo, NM. ADDRESS: New Mexico: 19 San Angelo, Rodeo NM 88056 TYPE OF TH: Wheels TYPE OF ZONING: RV OWN OR

    BLUE RIDGE TX

    LOCATION ADDRESS: Texas: 5907 FM 1962 Blue Ridge 75452 TYPE OF TH: Wheels TYPE OF ZONING: Single Family Residential OWN

    PORT LAVACA TX

    Off Grid only, 1 block from the beach

     

    LOCATION ADDRESS: Texas: 526 S Quail Run, Port Lavaca Tx 77979 TYPE OF TH: Wheels TYPE OF ZONING: Single Family

FREQUENTLY ASKED QUESTIONS

Q: What do I get when I pay $400 for the custom tiny house design?

      A: We spend time with you discussing your vision and what you want in your tiny home and answer any questions you may have. Then we take all that information and we turn it into a 3D digital design so you can see exactly what your tiny home will look like.

Q: How long is the build time?

      A: It typically takes 8-12 weeks to build a custom tiny home.

Q: How long does it take, on average, to clean a tiny house?

      A: Our 384 sq ft tiny home takes us less than an hour to clean.

Q: Are slides really worth it?

      A:

Q: Are tiny houses legal?

      A:

Q: Where do I put all my stuff?

      A: One of the difficulties with tiny homes is storage. As tiny home dwellers ourselves, we completely understand that. That’s why we do our best to work storage into each of our designs, whether that means a hydraulic lift bed with storage underneath, pull out storage in the kitchen, storage in the stairs, etc.

Q: Are tiny houses worth it?

      A: Absolutely! We’ve lived tiny for 3 years and it has changed our lives dramatically. We have more freedom, more money, and have grown closer as a family unit. We travel all over the country from the comfort of our own home

Q: Does a tiny house have to be on wheels?

      A: No! We build custom tiny homes that you can place on land, no wheels involved! We call them park models and they are easily customizable to fit your needs. The benefits of park model tiny homes is that they can be much larger, can be installed on your land so you don’t have to worry about finding places to park it, and are more customizable than mobile tiny homes because there are far less restrictions.

Q: What are the biggest benefits of living in a tiny house?

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Q: What are the biggest drawbacks to living in a tiny house?

      A:

Q: Do you sell Tiny House plans?

      A: Yes! If you only want a tiny house blueprint/design, we can certainly help with that. We offer customized tiny house designs starting at $400.

Q: What if I only want a ‘shell’?

      A: We can certainly work with that! If you want to be the one to finish out the home, we are more than happy to build the tiny house shell for you. This can be a great way to cut down on cost or be a big part of the project yourself.

Q: Are special permits required for hauling a tiny house?

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Q: How is a tiny house insulated?

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Q: How much does and average tiny house weigh?

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Q: What are my options for going off-grid?

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Q: How will I heat and cool my tiny house?

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Q: What kind of truck do I need to haul a Tiny House on Wheels?

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Q: What’s the difference between a Tiny House on Wheels and an RV?

      A: The biggest difference is in the materials. RV’s aren’t built to last, the average life of an RV that is lived in full-time is 5 years. A tiny house, on the other hand, is built using the same materials as a regular home. We don’t cut corners so you can rely on the stability and utility of your tiny home, something that will last you for decades to come.