- Modular Home Financing
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- Loan Options
Modular Home Loan
Options
Compare financing options for your modular home. From government-backed FHA and VA loans to construction-to-permanent financing—find the right fit for your situation.
VA/USDA: $0
Lowest Down Payment
FHA: 580+
Lowest Credit Score
7-14 days avg.
Fastest Approval
VA Loans
No PMI
FHA Loans
Government-Backed Financing
Low down payment option backed by the Federal Housing Administration. Ideal for first-time buyers or those with moderate credit.
3.5%
Down Payment
580+
Credit Score
$472K-$1.1M
Loan Limits
- Lowest down payment option
- Flexible credit requirements
- Can include renovation costs
Best for: First-time buyers, lower credit scores
VA Loans
Exclusive Veteran Benefits
Zero down payment financing exclusively for veterans, active duty service members, and eligible surviving spouses.
$0
Down Payment
No minimum*
Credit Score
None
PMI
- No down payment required
- No private mortgage insurance
- Competitive interest rates
Best for: Veterans, active duty, surviving spouses
USDA Loans
Rural Development Financing
Zero down payment option for buyers in eligible rural and suburban areas. Income limits apply.
$0
Down Payment
640+
Credit Score
115% AMI
Income Limit
- No down payment required
- Lower mortgage insurance
- Many suburban areas qualify
Best for: Rural/suburban buyers, moderate income
Construction Loans
Construction-to-Permanent
One-time close loan that finances factory build, delivery, and site work, then converts to your permanent mortgage.
$0
Down Payment
640+
Credit Score
115% AMI
Income Limit
- Single closing saves costs
- Interest-only during construction
- Land equity counts toward down payment
Best for: New builds, custom modular projects
Coming Soon
Conventional Loans
Standard Mortgage Financing
Traditional financing with competitive rates. Best for buyers with strong credit and larger down payments.
5-20%
Down Payment
640+
Credit Score
At 20% equity
PMI Removal
- No upfront mortgage insurance
- PMI drops at 20% equity
- Higher loan limits available
Best for: Good credit, larger down payments
Coming Soon
One-Time Close
Simplified Construction Financing
Combined land, construction, and permanent financing in a single loan with one closing.
Varies
Down Payment
Included
Land Purchase
1
Closings
- Land purchase included
- Single set of closing costs
- Lock rate upfront
Best for: Buyers needing land + construction
Not Sure Which Loan Is Right for You?
Answer a few questions and we’ll recommend the best financing options based on your credit, down payment, location, and military status.