Financing
Affordable Homes Deserve Affordable Financing.
We've partnered with lenders who specialize in modular homes and ADUs. Most of our customers get pre-qualified in under 48 hours — with no impact to their credit score.
48 hrs
Average pre-qualification time
3.5%
Minimum down payment (FHA)
$75K
Minimum loan amount
0
Impact to credit for pre-qual
Loan Programs
Four Ways to Finance Your Home
Construction-to-Permanent Loan
Most PopularOne loan that covers both the build phase and your long-term mortgage. You close once, lock your rate, and convert automatically when your home is complete.
- Single close — no second loan needed
- Fixed or adjustable rate options
- Down payments as low as 5%
- Loan amounts from $75K–$500K
Best for: Buyers placing a home on land they own or purchasing together
ADU-Specific HELOC
For Existing HomeownersTap the equity in your existing home to fund an ADU build. Interest-only payments during construction, then a standard repayment schedule.
- No new mortgage required
- Use existing home equity
- Interest-only during build phase
- Rates often lower than personal loans
Best for: Homeowners adding a rental unit or in-law suite
Personal Property Loan
Fastest ApprovalFor homes placed on leased land or in mobile home parks. Shorter terms and higher rates than real property loans, but faster approval and less paperwork.
- Approval in as little as 24 hours
- No land required
- Terms from 7–20 years
- Loan amounts from $50K–$200K
Best for: Buyers placing on leased land or in a park
FHA Title I Loan
Low Down PaymentGovernment-backed loan for manufactured and modular homes. Lower credit score requirements and down payments as low as 3.5%.
- 3.5% down with 580+ credit score
- Government-backed — lower risk
- Available for primary residences
- Competitive interest rates
Best for: First-time buyers or those with limited down payment
The Process
From Request to Rate Lock in 4 Steps
01
Submit Pre-Qual Request
Fill out the short form below. No SSN required at this stage — just basic info about your project and finances.
02
We Match You to a Lender
Within one business day, we'll connect you with the lender best suited to your project type, location, and credit profile.
03
Lender Reviews & Responds
Your matched lender reviews your request and responds with a pre-qualification letter — typically within 24–48 hours.
04
Lock Your Rate & Build
Once you've selected a model and signed your contract, your lender locks your rate and we begin the build process.
Our Lender Network
Lenders Who Know Modular
We only work with lenders who specialize in manufactured and modular homes — so you don't get turned down for reasons that don't apply to your build.
21st Mortgage Corporation
Manufactured & Modular Homes
Nation's largest manufactured home lender
Triad Financial Services
Chattel & Land-Home Loans
Fast approvals, flexible terms
Vanderbilt Mortgage
FHA & Conventional Modular
Competitive rates, first-time buyer programs
Pre-Qualification
Get Pre-Qualified — No Credit Impact
Fill out the form below and we'll match you with the right lender for your project. No SSN required at this stage.
Questions Before You Apply?
Our team is happy to walk you through your options before you commit to anything. Schedule a free 30-minute consultation.