Special Financing


A USDA Rural Development Loan program is available at Timber Wolf Valley, meaning you can buy with $0 down payment and NO monthly Private Mortgage Insurance! Which translates to lower monthly payments for our buyers.

Sweat Equity

Close with as little as $900 down by performing “Sweat Equity”! All you need to do is paint the interior walls, ceilings and trim work – We Supply The Paint! – then earn 3% of your sales price to use for your down payment!* Then if you qualify for FHA financing, all you need is 1/2% down payment. Qualified with USDA or VA financing? Then we’ll discount your sales price 1% if you’d like to do your own “Sweat Equity”!

First-Time Buyer Financing

We have lenders that can help first-time buyers with a mortgage that lets you close with NO down payment, NO monthly PMI, and NO closing costs!!
        In addition to these great programs, if you need help with your closing costs ask us how we can help with that too!
       Our goal is to give every one of our buyers the ability to close with about $1,000 – or less – down-payment, and no closing costs. We have lenders available for all credit types, and each program requires they meet the particular guidelines. 
       Call or email us today with questions on our special financing. Or how about getting the ball rolling now and fill out the Country-TeK Homes Pre-Approval Application application today? There is no cost to apply and we’ll help you get qualified for the best available program that best fits your needs or situation.

Credit Challenged? 

Keep in mind, with new construction you don’t necessarily need to qualify TODAY for a mortgage to build a new home with us. We’ll help you develop a game plan of things to do, as well as things NOT to do, in order to get you in the position to qualify by the time we are ready to build your home. PLUS, we have lenders that can get you approved with scores as low as 580!
*NOTE: A 2% surcharge may be added for certain programs. See your salesperson for details.