Modular Home Financing

Finance your modular home with a low to no-interest loan

Finance Your Modular Home

Equity based loan
HELOC
Renovation Loan
Cash out Refinance
Low Interest Renovation loan

Renovation loans work just like conventional loans: low interest rates, fixed loan, you choose where the money goes.

Just like a traditional loan, you can leverage a special type of renovation loan to pay a low interest rate and tap into 75 percent of the home price plus renovation costs or the as-completed appraised value. You can pull out up to 97% of LTV (loan to value) with certain eligibility requirements.

Minimum Credit Score: 620
Minimum Down Payment: 5%
Loan to value: Up to 97 LTV

That means if your home is $200,000, and if the new modular home adds $100,000 in value, you could take 75% of the total sum of $300,000. The funds that you could use for the modular home would be $225,000.

Here are some other examples:

Home Value
Modular Home value
Would Provide You With
Estimated interest (based on 4.5%)
Down payment (5%)

$200,000

$50,000
$187,500
$948/mo
$9,375
$100,000
$225,000
$1,140/mo
$11,250
$150,000
$262,500
$1,330/mo
$13,125
$200,000
$300,000
$1,520/mo
$15,000
The numbers above are just estimations and not an official quote. The numbers are based on a good credit score, a 4.5% interest rate, with a 5% down payment, and a 30 year fixed rate mortgage. For a more accurate picture, please reach out to us and we'll get you connected to the lender.
Low monthly Payments
Cash upfront
Use funds where you need them
up to 97% LTV
No-interest Loan

Co-investing helps you free up cash by tapping into your home’s equity. And it’s done without any of the downsides associated with traditional lenders.

We offer a smart alternative to a traditional loan or line of credit by letting you convert existing equity in your home to cash. Unlike a loan, there are no monthly payments, fees, or interest charges. We’re able to do this by extending a cash payment to you today (for up to 17.5% of its current market value) in exchange for an option to purchase a percent of equity in your home in the future. You make no payments to us until you sell your home, or 30 years pass. When you move, you send us a predetermined portion of your home’s appreciated value, plus the initial payment amount we gave you.

Cash out amount: up to 17.5% or $500k
Interest / Fees: None
Loan Type: Equity based

Here are some scenarios:

A Home Worth
Percentage of Home Value
Would Provide You With
In Exchange For Investor Equity

$500,000

17.5%
$87,500
70%
12.5%
$62,500
50%
7.5%
$37,500
30%
5%
$25,000
20%

$1,000,000

17.5%
$175,000
70%
12.5%
$125,000
50%
7.5%
$75,000
30%
5%
$50,000
20%
The numbers above are just estimations and not an officially endorsed number. For a more accurate picture, please reach out to us and we'll get you connected to the lender.

Loan Calculator

$56,875

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No Monthly Payments
cash without a monthly payment
PAY ONLY WHEN HOUSE SELLS
ONLY SHARE IN THE INCREASED VALUE