Modular Home Financing

Get financing for a modular home in 60 seconds with no impact to your personal credit score.
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Modular Home Financing With Acorn Finance

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Secure Modular Home Financing

Get your new modular home financed today. If you are in the middle of a home remodel and you’re thinking of a modular home, or even a pole barn structure, Acorn Finance can get you the money you need.

No matter your credit score, if you want to secure modular home financing in California, Texas, Georgia, or anywhere across the U.S., Acorn Finance will provide pre-qualified loans in seconds to get funds quickly. Easily sort all the modular home loan offers by what matters to you: interest rate, payment amount, length of the loan term.

Never impact your credit score when comparing rates between our network of trusted partners. 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance a modular home you want to build.

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Modular Home Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your funds in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Secure Modular Home Financing?

Compare modular home financing options without affecting your credit score.

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Best Modular Home Financing Options

Financing options are available for site-built homes and modular homes. Did you know that you can even get tiny home financing from Acorn Finance? Similar to a site-built home, modular homes should appreciate in value over time making them a smart investment. Modular home reputations have come a long way in recent years. Their reputation has transformed from cheap and low quality housing to an energy efficient and more affordable way to obtain your dream home. Keep reading to learn more about modular homes and modular home financing.

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What is a modular home?

Modular homes are created in a factory setting on an assembly line. During production the same high quality materials used to build site-built homes are used to build modular homes. Most factories that produce modular homes have high quality control standards. Modular homes are placed on permanent foundations setting them apart from manufactured homes. Manufactured homes or trailers are typically built on a steel chassis with wheels attached.

Are modular homes worth buying?

Modular homes can save you money in the short and long term. Modular homes can have a shorter build time and are usually much more energy efficient. In addition, modular homes can look just as attractive as site-built homes. To the untrained eye, an individual may not even be able to differentiate a modular home from a site-built home. As a result, modular homes are worth buying for most people.

What are the pros & cons of modular homes?

Before deciding whether to purchase a modular home or not, you should compare the pros and cons. While the pros can outweigh the cons, it’s important to be aware of the cons before purchasing a modular home.


#1. High quality & energy efficient

Due to strict standards and regulated factory quality control standards modular homes can be higher quality than site-built homes in some cases. In addition, modular homes are designed to be much more energy efficient, offering a long term savings. There is less room for error when building a modular home compared to building a site-built home. As a result, you can unlock the key to your dream home without the hassle by purchasing a modular home.

#2. Quick construction time

Modular homes usually have fewer obstacles than site-built homes during the construction process. This means the construction process can be cheaper, easier, and faster. If you are in a time crunch to transition to a new living space you should consider building a modular home.

#3. Cheaper

Modular homes can be up to 15% cheaper than a site-built home. In areas with higher real estate costs the average savings can increase. In addition, if you need your modular home placed near the manufacturing center you can save even more. If the manufacturer only has to transport the modular home a short distance they may offer you a discount or incentive. Modular homes can also offer long-term savings in the form of less maintenance and lower operating costs.

#4. More financing options

In some cases buyers can have more financing options for purchasing a modular home. In addition to using online lenders, banks, credit unions, and other traditional lenders you may also be able to finance your modular home through the manufacturer. However, being a pre-approved buyer using an outside lender can give you more negotiating power with the manufacturer. Using an online lender can be one of the fastest and easiest ways to score a low interest rate on modular home financing.

#5. No home inspections

Unlike site-built homes, modular homes are inspected at the factory. This means there can be less hold ups during the lending/funding process. It can also mean less surprises. Once your home arrives and is placed on the foundation, it’s ready for you to move in!


#1. Lack of customization

While you can choose from a variety of configurations of modular homes, in most cases it’s challenging to customize them. If you are building a site-built home builders can pretty much deliver any design feature or floorplan you want. However, modular home manufacturers are not quite as flexible.

#2. Cost of land

The purchase price of a modular home can be much less than a site-built home. However, you will still need a piece of land to put your home on. When selecting land to put your modular home on, you should keep in mind what it will cost to develop the land to make it suitable for your new home. Is there town sewer available? Is the land flat and ready to be built on? It’s important to select the right piece of land to keep your cost down.

#3. Complicated resale process

If you invest in a quality modular home installed properly, you should enjoy home value appreciation and a smooth sale process. However, many buyers may not realize your home is a modular home based on online representation. This can be a setback when they go on a live tour. If you need to sell your modular home you should use an experienced real estate agent that can help you find the right buyer while getting top-dollar.

Can you finance modular homes?

Yes, you can finance a modular home. Modular homes can even qualify for an FHA loan.

Do banks finance modular homes?

Yes, most banks, mortgage companies and online lenders offer loans for modular homes.

Can you buy a modular home with an FHA loan?

Since modular homes are built on permanent foundations they can qualify for FHA loans.

How long can you finance a modular home?

Terms for modular homes and lots can be available for up to 30 years.

Is it easier to get financed for a modular home?

In some ways yes it can be easier to qualify for a modular home loan. FHA loans can offer some of the lowest credit score and down payment requirements. Modular homes are required to meet the same local building codes as site-built homes.

What kind of loan do you get for a modular home?

You can use a personal loan or FHA loans to finance modular homes. Personal loans usually require no collateral and no money down. Acorn Finance offers personal loans up to $100,000 and terms up to 12 years. FHA loans can offer longer repayment terms and higher loan amounts but usually require a down payment.

Three steps to get started with Acorn Finance:

#1. Complete and submit a short loan application online

#2. Receive multiple pre-qualified offers

#3. Get connected with lenders to obtain your pre-qualified loan

Transform your home today… apply online for modular home financing now!

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