Financing Services

Simpler, Easier Factory-Built Home Financing

Acquiring a home loan that works for you is an essential step toward the purchase of a new home, but options for manufactured and modular homes can seem limited, and the fine print can be confusing. At Discover Modular Homes, we can help you make sense of it all. We’ll help you find the loan that’s right for your unique financial situation, and ensure this stage of the home buying process doesn’t delay your move-in or cause unnecessary frustration. It’s our ultimate goal to get you a great deal on a quality home you’ll love.

Discover Modular Homes offers our customers many unique financing options and resources. We've worked hard to build relationships with respected lenders, and we'll work together to find the loan that works best for you. Read on to learn more about the financing options we offer, or pre-qualify for a manufactured or modular home loan today simply by filling out the short form at the bottom of this page—we'll be in touch!

The right loan for any purchase

Conventional Mortgages

Also known as Land/Home loans, Conventional Mortgages offer homebuyers many advantages in exchange for the purchase of a manufactured home and land together. This type of loan offers you a convenient front-end, one-time close, and you may finance site improvements into your loan. With the option to pay no monthly Private Mortgage Insurance (PMI), and the opportunity to buy down your interest rate, Conventional Mortgages often boast lower monthly payments. You may also qualify for longer loan terms, and if you’re refinancing, closing costs and points can be financed into your loan—enabling you and your family to save even more of your hard-earned money.

FHA & VA Mortgages

If you’ve had credit challenges in the past, but currently have the ability to repay a mortgage, then FHA manufactured and modular home loans present an excellent opportunity for you. In many cases, these loans have lower credit score and down payment requirements than conventional loans—meaning past credit challenges, or a lack of established credit, will not automatically disqualify you from obtaining one. The VA offers manufactured and modular home loans to active duty military, veterans, and their spouses. As with FHA loans, VA home loans have lower credit requirements, but they also offer eligible homebuyers significant additional benefits. You may be able purchase your new home with no down payment at all, you won’t need to make monthly PMI payments, and the home appraiser is selected independently by the VA, meaning the lender has little or no control over the appraisal process.

Flexible Financing Options

At Discover Modular Homes, we’re dedicated to your success, no matter your situation. We’re well-versed in flexible options for financing manufactured and modular homes, and whatever your situation may be, we’re committed to getting you the help you need. If you’re self-employed, an independent contractor, or work at a cash-based or tip-based job, an Alternate Income program may enable you to finance your new modular or manufactured home in a way that works for you. If you have limited credit, a home loan co-signed by a family member can help you acquire financing and build your credit, with no minimum credit score required to qualify. Pre-qualifying for a modular or manufactured home loan is a quick and easy way to start your journey, and it’s as simple as filling and sending the form below.

Get Pre-Qualified to Buy a Home


What They Say About Us

We want to take this oppotunity to thank everyone at Discover Modular Homes for helping us in making our decision to buy our new modular home. We found the staff to be very warm and friendly, and they answered all of our questions fully and clearly. Their knowledge of their homes was outstanding! They made our home buying process and move-in a great experience. Needless to say, we are very pleased with our home and would recommend Discover Modular Homes to anyone.

Lynn Rogers