Modular Home Financing & Loan Programs
Turn your dream home into an affordable reality. Because our homes are built to state residential building codes and installed on permanent concrete foundations, they qualify 100% for standard 30-year conventional, FHA, VA, and USDA mortgages.
Flexible Loan Solutions Tailored to You
Whether building a primary home, secondary cabin, or rental ADU, there is a loan program designed for your budget.
Construction-to-Permanent Loan
A single-closing loan that funds both the factory modular construction and the final site assembly, automatically converting into a standard 30-year fixed mortgage once your certificate of occupancy is issued.
Land & Home Bundled Mortgages
Finance the purchase of your vacant land lot, site utility connections, and your chosen modular home all within one unified monthly mortgage payment.
Government-Backed (FHA / VA / USDA)
Because our off-site modular homes are permanently affixed to code-compliant concrete foundations, they qualify 100% for standard FHA, VA (0% down for veterans), and USDA rural housing loans.
ADU & Accessory Unit Financing
Looking to install a backyard granny pod, rental ADU, or guest cabin? Leverage HELOCs, cash-out refinances, or specialized unsecured home improvement loans.
The 4-Step Financing Journey
From initial pre-approval to final conversion, we streamline every milestone with your lender.
Prequalification & Budgeting
Speak with one of our approved modular lending partners to assess your buying power, determine your monthly comfort zone, and receive your prequalification letter.
Floor Plan & Site Estimate
Select your desired floor plan, finalize structural options, and combine the factory module cost with local site preparation (foundation, crane, utilities).
Loan Approval & Draw Schedule
Your lender approves the comprehensive project package and establishes factory milestone disbursements (draw schedule) directly with the manufacturing facility.
Occupancy & Conversion
Once your home is placed, utility connections are certified, and the city inspector issues your Certificate of Occupancy, the loan converts into your permanent mortgage.
Financing Frequently Asked Questions
Do modular homes appraise and finance the same as traditional houses?
Yes, 100%. Once placed on a permanent foundation, modular homes are legally classified as real property and are appraised using standard site-built comparable sales. They qualify for all conventional Fannie Mae, Freddie Mac, FHA, VA, and USDA mortgages.
Can I use equity in my existing land toward my down payment?
Absolutely. If you already own your building lot, lenders will factor the appraised market value of your land directly into your down payment equity requirement, often eliminating the need for cash out of pocket.
How are factory payments disbursed during the build?
Lenders operate on an escrow draw schedule: typical milestones include deposit for engineering and materials, completion of the factory module framing/enclosure, shipping/delivery to your site, and final foundation set and trim out.
Get Connected with an Approved Modular Lender
Our financing specialists can pair you with loan officers experienced in off-site modular home mortgages in your specific state.
