Financing

Financing your new modular home is just as easy as financing a site-built home. The only real difference is the disbursement schedule (when and how much money is released). Since a majority of the work done on your home is completed off-site, your disbursement schedule needs to be tailored for delivery of the modular units.

SMH has a great working relationship with lenders that understand the modular business. A long history of modular home construction enables their loan officers to take you quickly and efficiently through the modular home financing process. This familiarity and expertise helps to avoid any unexpected surprises and provides peace-of-mind when building your modular home.

Once you've designed the home of your dreams, the last thing you’ll want to hear is that your bank won’t work with your builder. With our lender relationships and preferred builder status, financing your new home is a win-win situation for both you and your builder.

Our lenders offer a variety of financing options for borrowers with good credit, including both fixed and adjustable loans, down payment flexibility, and 1-close loans that can include land, home, and site work all in one permanent loan.