Construction-to-Permanent Manufactured Home Loan - A Simple Way to Build

A Construction-to-Permanent Manufactured Home Loan is a single closing loan that covers both the cost of building your manufactured home and your long-term mortgage. Instead of applying for separate loans, you move from construction phase to permanent financing automatically once the home is completed and inspected. This structure simplifies the process and helps reduce out of pocket expenses during the build.

Eligible homes include one-unit single family manufactured homes such as doublewide and triplewide models built to modern energy and structural standards.

Yes. This loan can cover the purchase of land along with site preparation, foundation work, utilities, landscaping and home assembly, creating one complete financing solution.

No. The program eliminates the need to requalify at the end of construction which helps protect the borrower from potential financial or credit changes during the build period.

A single closing loan lowers stress and reduces the number of approvals and fees required. You secure your interest rate upfront, which protects you from market fluctuations during the build. This loan also provides clear budgeting because you receive one set of terms that apply through construction and into permanent home ownership. The streamlined structure keeps the project on schedule and prevents surprises at the end of construction.