Tennessee Tiny Homes Announces Financing Now Available

If you have followed this site for awhile (thank you if you have!) then you know debt is a nasty word around here. Especially debt that could have been, or can be avoided. But there are a few rare instances where I personally believe (this is just my two cents, please weigh in using the comments below) that debt can be a means to and end.

One such rare instance is where you can borrow a small amount (relatively speaking) to prevent having to pay more money in the long-term.

Tennessee Tiny Homes recently announced that they have secured financing on their tiny homes. Here’s their official announcement:

Financing available in the following states at this time: TN, AL, LA, FL, AR, and TX. If you live in any of the states, have a steady income, decent credit score, a 10% down payment, and want to be in a tiny home this summer please contact me at (901) 860-8166 or TennesseeTinyHomes [at] yahoo dot com. Due to the overwhelming response please be seriously interested as I am already a super busy dude! Thanks Joe

A tiny house in progress by The Tennessee Tiny Homes crew. You can see a completed tiny house by them featured on Tiny House Swoon here.

I’ve have the privilege of meeting Joe several times and we have become good friends since we first met. He’s super-passionate about tiny houses and is one of the busiest builders in the business because of three reasons. First, his prices are super-reasonable. Second, he does quality work and in what I’d consider to be a timely manner. And last, he’s flexible. If you have special requests that you’d like to see in your tiny house, him and his crew can usually get it done.

If you’re interested in having Tennessee Tiny Homes build you a tiny house, you can checkout their work on their Facebook page here and use the contact information above in their official announcement.

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16 Comments → “Tennessee Tiny Homes Announces Financing Now Available”


  1. chris

    Feb 01, 2014

    your links are going to ads

    Reply

  2. dawn

    Feb 01, 2014

    im so glad he is offering this! he is one of the best builders i have seen out there! what i like about his homes is he is always trying something new and making it look GREAT! im going to throw him a email about the finacing on the homes he does! maybe i just might have to put a order in!

    Reply

  3. Larry Gatpandan

    Feb 01, 2014

    What about getting financing for Californians ? Please don’t leave us out ! We want Tiny Homes too ! Besides, we’re probably going to be your biggest market ! Thanks !

    Reply

  4. Dennis

    Feb 01, 2014

    Hey Joe, that is great news! Now that you’re building in Denver as TinyHappyHomes, do you think you’ll be adding Colorado to the list at some point? I’ve been following your work for awhile, and think you’re the best builder at the most reasonable price, and I currently live in a tipi at 9,000′ in Colorado, so I’m just about ready to commit to a tiny house, and you’ll be building it!

    Reply

  5. Emme

    Feb 01, 2014

    Debt in of itself is not good or bad. Debt is just a thing, like a hammer or a chair, and like all things it can be used in many different ways and for many different reasons. A hammer can be used to build a home for a family or to hurt another person. Likewise, debt can be used to improve a person’s life and finances or to harm them. It’s all in how you use something.

    I’m glad to see more financing available for tiny homes. More options are always good in life.

    Reply

  6. 2BarA

    Feb 01, 2014

    I have always been anti-debt, thinking, among other things, that if you can make the payments after you buy the item, why not save the money before and avoid interest.
    However, shelter is different. You can pay rent all your life and you will have gained no equity, but if you finance a house, or tiny house you can live in, you can avoid contributing
    to your landlord’s equity. If you need more space, you can sell your tiny house, which may have appreciated and buy something larger. I’m glad to hear that financing is available for
    tiny homes.

    Reply

  7. craig aye

    Feb 01, 2014

    hello-cannot stress how interested I am ,but live in southeast Kansas-does that disqualify me-thanks for your time-craig

    Reply

  8. Rick Waggoner

    Feb 01, 2014

    That’s great news but my question is this, what about folks on Disability Income, I have been following Tiny House News/Movement for quite sometime now & really like the way of Thinking, only makes sense to live Smaller in my book, just sayin’..

    Reply

  9. DeWhit

    Feb 01, 2014

    I wish the Tennessee Tiny Home company much luck with their finance source.
    They have cleared a big hurdle for their future if it works out.

    We opted out of any more financing for any projects after being burnt and spending more time chasing individuals for payment than building and that was on owned property footed projects. Liens are just costly pieces of paper until some cash comes in. I can’t help it if an individual can only secure subprime money and can’t proceed.

    The only way to have some good credit is to go make some money…and save something.

    Financing is a big speed bump in tiny house production after zoning and codes.
    Many of those interested in purchase are young and underemployed or do not have much credit history to review or any owned assets. Vehicles are not good security for loaned money either.

    Another side is those that have bad credit and such strange living habits and finances to the point that they need mobile living to stay one step ahead of the collectors.

    Many want to help people be able to live smaller and better, but some that express interest and overwhelming need for custom builds need to understand that nothing comes without the buyer bringing something to the table of USABLE financial value.

    You can’t blame banks and credit unions and lending individuals for wanting some type of collateral for their cash. That isn’t gouging, it’s fair and square.

    Reply

  10. Janie

    Feb 01, 2014

    I think it’s great! Not everyone has the cash to pay outright, doesn’t want to wait to start reducing their impact or has the ability to build it themselves. The mortgage on a tiny house would be less than rent and traditional home mortgages. Either way, I’d rather be paying for my own tiny house now then continue renting while I try and save.

    Reply

  11. BrianKSr

    Feb 03, 2014

    I want to come help build these and teach my sons how to do so as well. Please let me know if this is possible.

    Reply

  12. Young Traveler

    Feb 07, 2014

    I think this is a wonderful opportunity. There are some of us with good paying work that haven’t missed a payment in their credit history before that just don’t have that kind of money sitting around. I don’t like debt but really in this day in age having a good credit score means something and in order to get good credit you have to use it. If you are smart about it debt isn’t so horrible. Yes there are some bad apples out there but there are also some good ones. It’s unfortunate that those bad apples ruin it for the rest of us good apples but I am really glad Tennessee Tiny Homes has taken this step!

    Reply

  13. Laura James

    Feb 14, 2014

    I’m glad that financing for tiny homes is beginning to be offered. I have always known that I would pay for my home in cash. I have the cash but feel that short term financing is a great way to build my credit as well as not spend all my money buying the land and the tiny home with nothing left to build a truly self reliant life. I want to build a great mini farm for myself and think that the money I’ll pay for short term financing will be more than worth it. I figure I’ll buy the land free and clear and finance the tiny home, which should leave enough savings to invest in the means of producing my own food and electricity. Nothing wrong with debt if it’s short term and a means to become free from debt forever. I also take exception to the idea that financing is only something that deadbeats use to avoid paying honest people who hold the note.

    Reply

  14. Lisa in FL

    Feb 23, 2014

    Happy to see that FL is on the list, however, I would love to know who in FL could have a tiny house built when we don’t have anywhere we can legally have a tiny house in this state . . . not being sarcastic, just frustrated that I can’t a legal place to live.

    Reply

  15. Miranda

    Jul 22, 2014

    How about financing for Hawaii?

    Reply

  16. Stacie

    Aug 12, 2014

    My husband and I are very interested In Tiny Homes and we would love to have Tennessee Tiny Homes build our future home and now with a financing option for Florida, WooHoo GREAT NEWS….

    Reply

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