Construction to Permanent

Finance manufactured and modular home construction, lot purchase,
and home acquisition with an all-in-one loan.

One-Time Close

Finance the construction and purchase of your modular or manufactured home and lot with a single loan. No re-qualification and no second appraisal.*

This one-time close loan for manufactured and modular homes finances the construction, lot purchase, and home acquisition into an all-in-one mortgage loan. If you already own a lot, refinance the land loan with the one-time close mortgage. Because the permanent loan is closed before construction begins, in most cases, there is no need to re-qualify when construction is complete, simplifying the construction and mortgage process.

Program Highlights

  • Conventional fixed-rate mortgage
  • Mortgage must follow conforming loan limits
  • Six-month construction term
  • Includes 15/20/30-year mortgage terms
  • Lock your permanent rate up-front
  • If the rate improves during the six-month construction term, you can drop your rate within 30 days prior to conversion to the permanent loan
  • Make interest-only payments during the construction period
  • One-time closing reduces total loan costs**

If you would like to learn more about the benefits and advantages of the Construction to Permanent program, we will connect you with a licensed loan officer in your state who can discuss your loan options and help you find Your Road Home.

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*For borrowers who meet initial and continuing credit and qualifying requirements. 

**Typical loan origination fees in addition to construction management fees apply.

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