I own land
We help price the modular build, delivery, setup, and known homesite needs.
MODULAR HOME FINANCING
Finance the home. Plan the whole build.
A modular home project can include more than the house. We help organize the home, land, delivery, setup, and known site costs before lender review.
Approval, rates, terms, and conditions are set by each lender.
- Multiple lender paths, explained in plain English
- Programs for strong credit, bruised credit, and first-time buyers
- Land-home and home-only financing conversations
- Real people who will walk the numbers with you
CHOOSE YOUR PATH
Where are you starting?
Start with the home and the land.
I need land
We help you organize the home, land, project budget, and financing path.
Custom modular order
Choose from Franklin or Timber Creek and price the home with available options.
In-Stock Models
Compare available homes and discuss the home, delivery, setup, and your property with our team.
Why financing can stay simple
We help match buyers with lender paths that actually fit.
You do not need to figure out chattel, land-home, FHA, VA, or USDA on your own first. We help narrow the path before the paperwork gets heavy.
- Home-only loans
- Land-home financing
- Government-backed options
- Real-person help
Lenders we work with
Financing partners buyers ask about most.
A few of the lenders and financing partners we regularly help buyers compare.
21st Mortgage
Cascade Financial
Triad Financial
Start with the numbers
See a realistic home-price range before you apply.
This is a fast comfort-range estimate, not a lender decision. It gives buyers a clean starting point instead of guessing.
4 SIMPLE STEPS
Know the project before you apply.
A clearer plan makes the financing conversation easier.
- 1
1. Pick the home
Choose the builder, floor plan, size, and options.
- 2
2. Review the land
Look at access, site work, utilities, delivery, and local requirements.
- 3
3. Price the project
Add the home, delivery, setup, and known site costs.
- 4
4. Compare lender paths
We can connect you with lenders that work with factory-built home projects.
Financing questions buyers ask us first
Can I finance a modular home?
Qualified buyers may have financing options for an eligible modular home. Approval, interest rate, term, down payment, and conditions are determined by the lender using the buyer, selected home, property, and complete project.
Can I finance the modular home and land together?
Some lenders may offer structures that include an eligible modular home and land. The final transaction depends on the borrower, property, home, site plan, and lender program. Premier can help develop the house and project information for review.
What changes if I already own my land?
Existing land can materially change the financing structure. Tell Premier and the lender how the property is owned, whether a balance remains, and what project is proposed. The lender determines whether usable equity can contribute to the transaction.
Can land equity help with my down payment?
Potentially. If you own the homesite, do not assume how much cash will be required before the lender reviews value, ownership, liens, and usable equity. Premier can help connect the selected modular plan with that financing conversation.
Can I finance foundation or site work?
Some loan programs may permit qualifying project costs, but foundation, utilities, septic, access, clearing, grading, and similar work are not automatically included. Obtain project-specific estimates and let the lender identify what can enter the loan.
Should I arrange financing before choosing a floorplan?
A preliminary budget is valuable, but the home, land, and known site costs should be considered together. A floorplan that uses the entire home budget can leave no room for foundation, delivery, utilities, and property work.
What costs belong in a modular-home project budget?
Consider the home, options, delivery, setup, foundation, site preparation, utilities, permits, taxes, insurance, financing costs, and property-specific work. Not every item applies the same way, so build the estimate around a real floorplan and homesite.
Can family land be used in modular-home financing?
Potentially, but title, ownership, access, lender requirements, and the intended transaction must be understood. Speak with the lender and appropriate title professionals before transferring land or assuming family ownership automatically satisfies a requirement.
Is modular financing the same as a manufactured-home loan?
Not always. Home classification, property, foundation, lender, and project structure can affect the available loan path. Premier can supply home information, but the lender must determine which program and documentation apply.
Ready when you are
Bring us your estimate and we'll turn it into a real conversation.
Whether you're ready to prequalify now or you just want someone to sense-check the numbers, the next step is the same: talk to a human who can explain the path clearly.