Financing Your Modular Project
Whether you're financing a primary residence, a vacation cabin, or a commercial building, our network of lending partners covers conventional, FHA, VA, USDA, SBA, and equipment financing — plus a free preliminary read on your options in a couple of minutes. For Willowbrook Cottage.
Apply for FinancingLeland's Modular is not a lender. The lenders named on this page are independent companies we recommend based on their experience with modular financing — any rates, terms, or figures below are reported by those lenders, not Leland's Modular.
Financing a Primary or Secondary Residence
If you're planning to live in your modular home full-time or use it as a vacation property, your best option may be a one-time close construction loan through a reputable lender — the most popular route for buyers financing the full project. These loans typically convert into a 15- or 30-year mortgage once the project is complete and are available based on approved credit. If your total financing needs exceed $150,000, this is often the most streamlined and cost-effective option.
A One-Time Close Loan Can Finance
The modular home itself, foundation work, land prep and clearing, utilities such as well, septic, water, or power hookups, and decks, porches, and other site-built features.
Under $150,000?
A cash purchase, a short-term personal loan, or a home equity line of credit (HELOC) may be quicker to secure — ideal for smaller builds, rental units, or secondary vacation cabins.
Recommended Personal Lender: Bill Herceg, NMLS #22774, Vice President at The Federal Savings Bank, specializes in modular home lending. Office: (970) 549-3093.
Financing a Commercial Modular Building
Whether you're planning hospitality accommodations, office spaces, retail locations, educational facilities, or another professional venture, our network of trusted lending partners offers flexible financing to match your project's scope and timeline. Our partners specialize in SBA loans, equipment financing, USDA loans, and conventional lending, and report financing smaller equipment purchases starting at $10,000 up to large-scale campground developments up to $50 million, with coverage across all 50 states and approval timelines ranging from 24 hours for equipment loans to 60–75 days for larger commercial developments.
Recommended Commercial Lenders: Kevin Van Wagner (509-630-8720), Startup Loans USA (1-888-533-4882), Drew Sikula (312-224-8965), and Gary Raffensberger (954-494-5944).
Financing FAQs
Apply for Financing
Get a preliminary read on your options in a couple of minutes. This is a soft inquiry powered by iSoftPull, an authorized reseller of Equifax, TransUnion, and Experian credit data — it won’t affect your credit score, and it’s not a commitment to lend. The same form is used for both residential and commercial inquiries.