Mod.Homes

Transparent Financing
For Your Mod.Home

Get pre-qualified in minutes. Work with vetted lenders who understand modular construction. No surprises, ever.

2-day average decision
No credit score impact
3+ verified lenders

Recent Activity

Live from our platform

Applications this month0
Approved this week0
Average decision time2 days

Why Finance With Us

Modular-Savvy Lenders

We partner with lenders who understand factory-built homes and faster timelines

All-In Financing

Cover home, delivery, foundation, upgrades, and permits in one loan

Expert Guidance

Our team helps you navigate the process from application to closing

Transparent Terms

No hidden fees, no surprises. You know exactly what you're paying

Financing Calculator

Compare lenders and terms

Your Estimated Monthly Payment
$1,231/mo
Including property tax (1.2%), insurance & maintenance
Estimate based on First National Modular Financing rates

Select Lender Partner

$15,00010%
10%20%
7.15%
6.5%7.8%

Payment Breakdown

Principal & Interest$912
Property Tax (est. 1.2%)$150
Insurance (est.)$44
Maintenance (est.)$125
Total Monthly$1,231
vs. Renting
Based on $2,200/mo average rent
Monthly Savings$969.25/mo
Annual Savings$11,631/yr
Break-even Point1.3 years
Loan Amount
$135,000
Total Interest
$193,320
Total Paid
$343,320
Due at Closing
$15,000

This calculator provides estimates only. Actual rates, terms, and payments may vary based on credit score, income, and other factors. Consult with a financial advisor for personalized advice.

How It Works

From prequalification to closing in weeks, not months

Step 1

Get Pre-Qualified

Complete our quick form in 3-5 minutes. Soft credit check only—no impact to your score.

Step 2

Compare Lenders

Review offers from multiple lenders. Our team helps you understand rates, terms, and total cost.

Step 3

Lock Your Build

Reserve your production slot with a refundable deposit while you finalize your loan.

Step 4

Close & Build

Finalize financing and we begin building your home. Track progress in real-time.

Pre-qualification takes 3-5 minutes • No credit score impact

Our Financing Partners

Vetted lenders who specialize in modular home financing

LightStream

5.99% - 25.49% APR

Competitive rates for borrowers with good to excellent credit. No fees, flexible terms, and fast funding.

No origination fees or prepayment penalties
Same-day funding for approved loans
Loans up to $100,000 available
Rate Beat Program - 0.10% lower if you find better
Min. 660 credit score

SoFi

6.99% - 23.43% APR

Member benefits and competitive rates. Great for refinancing and bundled financial services.

No fees - origination, prepayment, or late fees
Unemployment protection included
Career coaching and financial planning
Member discounts and exclusive events
Min. 680 credit score

Point

N/A - Equity Share APR

Home equity investment alternative. No monthly payments - share equity instead of taking on debt.

No monthly payments required
Access up to $500K in cash
Keep your existing mortgage
Flexible 5 to 10 year terms
Min. 620 credit score

Pre-qualify to see personalized rates from all our partners

Financing Questions

Everything you need to know about financing your home

Still Have Questions?

Our financing specialists are here to help you understand your options and find the best path forward.

Schedule a CallEmail Our Team