Flexible Financing for Modular Home Loans

Get a hassle-free loan for your modular home with flexible options.

Modular home loans are loans specifically designed for purchasing a modular home, which are pre-built homes constructed in a factory and assembled on-site. While they share similarities with traditional home loans, modular home loans can have lower interest rates than typical home loans.
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loan papers
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Years of Experience

What is a Modular Home Loan?

A modular home loan is a financing option that caters to people who wish to purchase prefabricated homes known as modular homes. These homes are constructed off-site and transported to the final location where they are assembled. Modular homes are often more cost-effective than traditional stick-built homes and can be tailored to the homeowner’s specific requirements.

Apply today to see if you qualify for a modular home loan and get closer to your ideal home

When financing a modular home loan, there are a few key factors that
impact your loan approval process including credit score, debt-to-income ratio, and down payment.

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Financing your Dream
With careful evaluation and thorough research, financing a modular home loan is possible and achievable, so let’s get started on making your dream a reality! Best of all, it’s incredibly easy to get started. We promise!
What we offer

Discover the simplicity and affordability of our home loan options.

Image of an orange and yellow modular home built by a contractor after getting a modular home loan

A modular home loan is a financing option that enables individuals to purchase prefabricated homes built off-site and assembled on-site.

A log cabin home in the woods with a mountain background after establishing log cabin financing

A log home loan is a type of financing designed to help individuals purchase log homes, which are constructed using logs or timber.

Image showing a new modular home construction after a family acquired a modular home loan, with fresh wood walls

A construction-to-permanent loan is a financing option that allows individuals to finance both the construction of their new home and the permanent mortgage once the construction is complete. With this type of loan, borrowers can choose their own builder to construct their dream home.

How to prepare for the application process

Modular homes are popular for affordability and flexibility, but qualifying for a loan may be challenging. Tips:

Credit Score

When applying for a loan, having a good credit score is crucial as it increases the likelihood of loan approval, and for modular home loans, lenders usually require a minimum credit score of 660.


When assessing eligibility for a modular home loan, lenders take into account both your income and debt-to-income ratio, with some lenders willing to approve loans with a debt-to-income ratio of up to 50% of gross income.

Down Payment

Modular home loans need a down payment, typically 5% to 20% of the total home cost depending on the loan and lender.


To apply for a mortgage, you will typically need to provide personal information such as your full name, birthdate, Social Security number, phone number, as well as financial documentation including proof of income, tax returns, bank statements, employment verification, and a credit report.

Compare Builders

Research their reputation, experience, and customer reviews. Additionally, it is advisable to request quotes from multiple builders and compare their pricing, customization options, and warranty policies.

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Why Choose Us

Building Your Dreams
One Home At A Time

Build a Sustainable Future with Modular Homes: Energy-Efficient, Eco-Friendly, and Affordable!

Are you ready to create a sustainable future for yourself and your family? Modular homes offer an affordable and eco-friendly alternative to traditional stick-built homes.

With energy-efficient features and sustainable building practices, modular homes are a smart choice for homeowners who want to save on utilities and reduce their carbon footprint. Plus, with a wide range of customizable options, you can create the home of your dreams while also contributing to a better future for our planet.

So why wait? Start building your sustainable future today with a modular home!

Build Smarter and Greener with Climate-Controlled Modular Construction!

Looking for a smarter and greener way to build your dream home? Climate-controlled modular construction offers high-quality, energy-efficient, and sustainable homes with faster build times and minimized waste and pollution. Compared to traditional site-built construction, modular construction is a better alternative that allows for greater precision and quality control, while also reducing the environmental impact of construction. With climate-controlled modular construction, you can enjoy a comfortable and sustainable home that meets your unique needs and preferences.

Start building smarter and greener today with climate-controlled modular construction!

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Mortgage pro with top-notch service and smart liability planning for your real estate needs.

As a team with several years of experience in the Mortgage industry, we are committed to providing our clients with exceptional customer service and satisfaction. Whether you are a first-time homebuyer or looking to refinance your current home, we can create a liability plan tailored to your unique wealth strategy.

Our team is well-versed in complex income calculations, self-employment income, trust income, and deriving income from existing assets, and we collaborate with bankers and wealth planners to achieve your overall financial goals. With our stress-free mortgage process and a commitment to exceeding your expectations, we are here to be your advocates.

Contact us today to learn more about our services and how we can assist you.

The Modular Home Loan Team