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Flexible Financing Programs to Help You Own Your Tiny Home

At Great Lakes Tiny Homes, we understand that purchasing a tiny home is a significant investment. That's why we offer three flexible financing options to help make your tiny home dreams a reality.

  • Rent to Own Program

Our in-house financing solution for simple homeownership.

Perfect For You If:
  • You have at least $3,550 available for a security deposit + sales tax + first month lease payment.
  • You prefer to avoid traditional mortgage processes.
  • You're looking for flexible payment terms.
  • You want to start home ownership without being worried about your credit score.
  • Pro Tip
    While $3,550 is our security desposit, any additional amount you can contribute will reduce your total purchase price and lower your monthly payments.
Apply For Rent To Own
  • Layaway Program

In-house Layaway: lock in now, pay over time (up to 10 yrs) & move in when paid off.

Perfect For You If:
  • Pro Tip
    Our most flexible option — if your plans change, you can request a full refund, completely risk-free.
Apply For Layaway Plan
  • Backyard Financing

Traditional financing options through our trusted third-party partner.

Perfect For You If:
  • You have a strong credit score.
  • You have existing equity to leverage for a new loan.
  • You own property or land that can be used as collateral.
  • You prefer conventional financing structures.
  • Pro Tip
    Using your home equity or land as collateral may unlock lower interest rates and better terms compared to personal loans.
Apply For Backyard Financing

Ready to Start Your Tiny Home Journey?

Our experts are here to help you choose the perfect option for your situation. Get personalized guidance and start the application process today.

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Frequently Asked Questions

What credit score do I need for traditional financing?

For our Backyard Financing option, we typically recommend a credit score of 650 or higher. However, our partners may work with lower scores depending on other factors like income and collateral.

For Backyard Financing, approvals usually take between 24–72 hours once you’ve submitted all required documents. For Rent-to-Own and Layaway, approval is almost instant — once your deposit is secured, you’re ready to move forward.
Yes, in many cases you can. For example, you might start with our Layaway Program to lock in pricing while you prepare your finances, then switch to Rent-to-Own or Backyard Financing once you’re ready. Our team will guide you through the best path for your situation.

No. We’re committed to transparency. All fees will be outlined before you sign anything. For Rent-to-Own, your monthly payment and deposit are clearly stated upfront. For Layaway, your payments go directly toward your home’s purchase price. For Backyard Financing, any lender fees will be disclosed in advance.

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