Financing Modular & Panelized Homes & Commercial Buildings

Financing Modular & Panelized Homes & Commercial Buildings. Panelized and modular construction financing is transforming the way homeowners and commercial developers bring their projects to life. Whether you’re building a modular home or a large-scale panelized commercial structure, financing solutions are now more accessible and tailored to the speed and efficiency of modern construction. These off-site building methods reduce waste, lower labor costs, and accelerate timelines—making them ideal for both residential and commercial investors. By securing specialized modular and panelized building loans, clients can take advantage of flexible terms, fast approvals, and funding aligned with each stage of production. Discover how modular and panelized financing can streamline your next project and unlock long-term savings.

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For now here are the top ten lenders for modular, mobile, and manufactured homes, along with their website links for more details:

21st Mortgage Corporation
Specializes in financing for new and used manufactured homes, including homes located in mobile home parks. They cater to borrowers with varying credit scores and offer loans in most U.S. states. Website
eLEND
Offers a range of loan options for manufactured homes, including FHA Title I and Title II loans, with low down payment options. They provide educational resources to guide borrowers. Website
Guild Mortgage
Provides various loan programs for manufactured homes, including FHA, VA, USDA, and conventional loans, with low down payment options and flexible credit score requirements. Website
ManufacturedHome.Loan
Specializes in personal property loans for homes located on leased land or within mobile home parks. They also offer financing for vacation properties. Website
Manufactured Nationwide
Offers a variety of loan programs, including FHA, VA, USDA, and conventional loans, with up to 100% financing available. Website
Priority Funding
Specializes exclusively in manufactured and mobile home financing. They operate in 23 states and are known for outstanding customer service. Website
Clayton Homes
The largest builder of manufactured and modular homes in the U.S., Clayton Homes offers financing through subsidiaries like Vanderbilt Mortgage. Website
New American Funding
Offers a variety of loan programs for manufactured homes, including FHA, VA, and conventional loans. They are recognized for their customer-centric approach. Website
Rocket Mortgage
Provides online mortgage solutions, including options for manufactured home financing with quick approval and an efficient application process. Website
United Wholesale Mortgage (UWM)
Offers a wide range of loan programs for manufactured homes and works exclusively with mortgage brokers to provide competitive rates. Website

These lenders provide various financing options, from personal loans for homes in mobile home parks to traditional mortgage loans for land-owned homes. Visit their websites to explore their programs and determine the best option for your financing needs.

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BIOS Homes is an Employee-Owned Social Business Enterprise, where profitability is harmonized with a strong commitment to creating positive social impact.

As a social enterprise, BIOS Homes focuses on providing affordable, sustainable housing solutions while promoting community development and environmental responsibility. Our approach integrates social good into the very fabric of our operations, ensuring that each project not only addresses housing needs but also supports broader societal goals.

Rather than prioritizing profit above all, BIOS Homes reinvests earnings into projects that uplift underserved communities, create jobs, and champion eco-friendly construction methods. This allows us to tackle critical housing challenges while also fostering long-term positive change.

By empowering local communities and adopting sustainable living practices, BIOS Homes ensures that every project offers lasting value—benefiting both people and the planet. Our unique business model enables us to offer affordable housing solutions that go beyond financial success, making a meaningful impact on the world around us.