Loan ProgramsModular & Prefab Home Financing
Modular & Prefab Home Financing
Construction financing for factory-built homes
Overview
How Modular & Prefab Works
Modular and prefabricated homes are built to the same building codes as site-built homes, but not every lender finances them the same way as a stick-built house. We connect you with lenders who understand modular construction timelines, factory deposits, and site-installation draws.
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Key Benefits
Financing structured around factory production and site-set timelines
Covers foundation, factory deposit, delivery, and site finish-out
Options for single and multi-section modular homes
Construction-to-permanent structures available
Can be combined with land purchase or used on land you already own
Who This Is For
Buyers choosing a modular or prefab home over a fully site-built home
Landowners looking for a faster, more predictable build timeline
Borrowers who want factory-quality construction on a rural lot
Modular & Prefab — Frequently Asked Questions
The draw schedule looks a little different — funds typically cover a factory deposit and delivery in addition to site work and foundation — but the loan structures (construction-to-permanent, land-and-build) are the same ones used for site-built homes.
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