Financing Your Cocoon Home

Paying in full is the simplest, fastest, and most cost-effective way to purchase a Cocoon Home. Without the need for loan approvals, paperwork, or lender requirements, the process moves seamlessly from contract to construction.

Paying in cash offers several key advantages including: No interest costs, no monthly payment, faster purchase process, full ownership from day 1, and maximizing ROI.

A HELOC (Home Equity Line of Credit) allows homeowners to tap into their existing home equity, providing a flexible, cost-effective way to finance a Cocoon Home. This revolving line of credit is secured by your property and typically structured as a second mortgage. If you have significant equity in your home and want to keep a low-rate first mortgage in place, a HELOC can be an ideal solution for financing your build.

Various banks, credit unions, and mortgage lenders offer financing options for Park Model RVs and similar structures. Loan terms, down payments, and interest rates vary based on:
✔ Whether the loan is secured (backed by an asset) or unsecured
✔ Your credit score, income, and financial history
✔ The lender’s requirements for property certification

Most traditional lenders require a Certificate of Occupancy before funding a long-term loan. To bridge this gap, we offer a special short-term financing option through our lender partners which includes up to 6 months of financing to cover construction and helps you secure permanent financing once your home is certified. This solution ensures you can start your build without delays, keeping your project on track while finalizing long-term financing.