Flexible Financing for Your Lake James Getaway
Owning at The Reserve is more attainable than you might think. Whether you're purchasing an RV lot or pairing your lot with a tiny home, we’ve partnered with trusted lenders to make the process simple and straightforward.
Two Simple Paths To Ownership
OPTION 1: LOT FINANCING
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15-Year Amortization Option
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No Prepayment Penalties
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Local Community Lending
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Dedicated Loan Officer
LOT FINANCING THROUGH
Will Daughtery
828-695-2422
NMLS: 1201597
Secure your piece of Lake James with a standalone lot loan. We work with lenders specializing in financing recreational and vacation properties. Typical terms include loan periods of up to 15 years, competitive fixed rates, and no prepayment penalties — so you can pay off your lot early without penalty. Down payment requirements vary by lender and credit profile. Contact our sales team to be connected with a preferred lender.
OPTION 2: TINY HOME FINANCING
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Fixed Interest Rates Available
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Terms Up to 25 Years
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Minimum 625 FICO
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15% Down Payment
Tiny Home Financing Through
CALL THEM AT 443-753-7068
NMLS: 1434247
Finance your park model home along with your lot in a single combined loan. Terms of up to 25 years are available for qualified buyers, making monthly payments highly manageable. Park model homes at The Reserve are built to ANSI/RVIA standards, which qualifies them for specialized recreational property financing. Our preferred lenders understand this asset class and can guide you through the process efficiently.
How It Works
SELECT YOUR
LOT
Browse available Phase 1 lots on our interactive community map and choose the size and location that fits your lifestyle — lakefront, lake view, or interior lots available.
CHOOSE YOUR PARK MODEL PLAN
Select from 8 thoughtfully designed park model floor plans ranging from cozy retreats to full-featured homes with outdoor kitchens. Each model can be customized with optional layouts.
CONNECT WITH A PREFERRED LENDER
We'll introduce you to our network of lenders who specialize in RV lot and tiny home financing. They understand the unique nature of this asset class and will guide you from application to approval.
CLOSE & BEGIN ENJOYING LAKE JAMES LIVING
Once financing is secured and closing is complete, your lot is yours. Connect your utilities, park your RV or take delivery of your park model, and start making memories on Lake James.
What Will My Payment Look Like?
Every buyer's situation is different, but here is a general example to help you plan. A $150,000 lot financed over 15 years at a 7.5% rate would carry a monthly payment of approximately $1,390. These are illustrative estimates — your actual rate and terms will depend on your credit profile, down payment, and chosen lender.
