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Yes! You’re welcome to use any bank, credit union, or lender of your choice. We also have trusted lending partners who know modular and manufactured homes well, but ultimately the choice is yours.

Most lenders look for a minimum credit score in the mid-600s, though some FHA, USDA, and VA programs may allow for lower. Requirements vary by lender, so we’ll help guide you toward the option that best fits your situation.

Down payment requirements depend on the loan program. FHA loans may require as little as 3.5% down, while USDA and VA loans can sometimes offer 0% down options for qualified buyers. Traditional loans typically range from 5–20%. If you own land with equity then you may not need a down payment. 

With a construction loan, funds are released in stages (called “draws”) as the project moves forward—such as when the foundation is poured, the home is set, and utilities are connected. You only pay interest on the funds drawn until the project is complete, when your permanent mortgage takes over.