Local Roots Program: New Mobile Home Loans In Garden City, KS

Expanding Affordable Housing in Garden City

The Local Roots Loan Program expands high-quality affordable housing opportunities in Garden City with financing for brand new manufactured homes exclusively located within the Prairie Wind manufactured home community.

Program Benefits

Competitive terms
Low rates; interest rate remains the same for the first 6 years
Local lending with in-person or convenient e-sign closing options

How to Apply

Complete a WSB loan application at Western State Bank or with Prairie Wind sales staff.
Submit your application and required documents.
Receive a loan decision in as little as 24 hours.
Close on your new home and move in!

Frequently Asked Questions

Where can I find an application?

Applications are available at Western State Bank in Garden City or at the Prairie Wind manufactured home community.

What is the interest rate?

Please contact our mortgage loan officers for current rates. This loan offers a low interest rate which will remain the same for the first 6 years. After that point, it becomes variable but will not increase or decrease more than 3% for any adjustment that takes place after the fixed rate period.

How much is the down payment?

Down payments range from 3% to 10% depending on term length and additional factors. Please contact our mortgage loan officers for details.

Can this loan be combined with government grants (e.g. First Time Homebuyer grant)

No. Government programs do not apply to this type of loan.

Will my credit score affect loan approval?

Yes, this loan requires a credit score of 640 or higher.

Is this program available for any other mobile home communities?

At this time, the program is limited to the Prairie Wind community in Garden City. This page will be updated if and when additional communities are added.