--- title: "Financing Your Modular Home: What You Need to Know" description: Financing your modular home made simple. Learn loan options, costs, and steps to build your modular home in NC. Call 336-226-9066 for expert guidance. image: https://blog.nccustommodulars.com/hubfs/The-Carolina-Stanley-07092024_113804.jpg --- [![custom-homes](https://blog.nccustommodulars.com/hubfs/CarolinaCustomHomes%20-June2017/images/Carolina_Custom_Homes_logo-WHITE-web.png "Carolina_Custom_Homes_logo-BLACK-web.png")](https://www.nccustommodulars.com/) [(336) 226-9066](tel:(336)%20226-9066) ##### **[CHECK TO SEE IF WE SERVE YOUR AREA](https://www.nccustommodulars.com/zip-code-checker/)** ##### ##### #### [tel://(336)%20226-9066](tel://(336)%20226-9066)[(336) 226-9066](tel://(336)%20226-9066) | | [![16x16x1](https://blog.nccustommodulars.com/hubfs/Icons/cch-facebook.png)](https://www.facebook.com/NCCustomModulars) |   | [![16x16x2](https://blog.nccustommodulars.com/hubfs/Icons/google_symbol.png)](https://www.google.com/search?q=carolina+custom+homes&) |   | [![16x16x3](https://blog.nccustommodulars.com/hubfs/Icons/linkedin-logo-button.png)](https://www.linkedin.com/company/carolina-custom-homes) |   | [![16x16x4](https://blog.nccustommodulars.com/hubfs/Icons/pinterest-logo-button.png)](https://www.pinterest.com/NCCustomHomes/) |   | [![16x16x4](https://blog.nccustommodulars.com/hubfs/Icons/twitter-logo-button.png)](https://twitter.com/NCCustomHomes) |   | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | [![logo_cch](https://blog.nccustommodulars.com/hubfs/logo_cch.svg)](https://www.nccustommodulars.com/)   - [Why Modulars](https://nccustommodulars.com/custom-homes-north-carolina/) - [Our Advantage](https://nccustommodulars.com/custom-homes-north-carolina/) - [Our Building Process](https://nccustommodulars.com/carolina-custom-homes-building-process/) - [New to Modular Home Buying? Start Here!](https://nccustommodulars.com/new-to-home-buying-with-carolina-custom-homes/) - [Modular vs Traditional](https://nccustommodulars.com/modular-vs-traditional-homes/) - [Energy Efficiency](https://nccustommodulars.com/energy-efficient-homes/) - [Affordable Custom Built Modular Homes](https://nccustommodulars.com/custom-modular-homes-nc-home-builders/) - [Carolina Custom Home’s Modular Home Construction Timeline](https://nccustommodulars.com/modular-home-construction/) - [Virtual Tours](https://nccustommodulars.com/virtual-home-tours/) - [Floor Plans](https://nccustommodulars.com/properties/) - [Buying Guides](https://nccustommodulars.com/ebooks-and-fact-sheets/) - [Ebooks & Fact Sheets](https://nccustommodulars.com/ebooks-and-fact-sheets/) - [Free Webinar Modulars 101: Your Guide to Customization](https://nccustommodulars.com/webinar/) - [FAQs](https://nccustommodulars.com/faqs/) - [Blog](https://blog.nccustommodulars.com/) - [About](https://nccustommodulars.com/about/) - [Contact](https://nccustommodulars.com/contact/) [![Carolina_Custom_Homes_logo-BLACK-web](https://blog.nccustommodulars.com/hs-fs/hubfs/Carolina_Custom_Homes_logo-BLACK-web.webp?width=250&height=74&name=Carolina_Custom_Homes_logo-BLACK-web.webp "Carolina_Custom_Homes_logo-BLACK-web")](https://www.nccustommodulars.com/) - [Why Modulars](https://nccustommodulars.com/custom-homes-north-carolina/) - [Our Advantage](https://nccustommodulars.com/custom-homes-north-carolina/) - [Our Building Process](https://nccustommodulars.com/carolina-custom-homes-building-process/) - [New to Modular Home Buying? Start Here!](https://nccustommodulars.com/new-to-home-buying-with-carolina-custom-homes/) - [Modular vs Traditional](https://nccustommodulars.com/modular-vs-traditional-homes/) - [Energy Efficiency](https://nccustommodulars.com/energy-efficient-homes/) - [Affordable Custom Built Modular Homes](https://nccustommodulars.com/custom-modular-homes-nc-home-builders/) - [Carolina Custom Home’s Modular Home Construction Timeline](https://nccustommodulars.com/modular-home-construction/) - [Virtual Tours](https://nccustommodulars.com/virtual-home-tours/) - [Floor Plans](https://nccustommodulars.com/properties/) - [Buying Guides](https://nccustommodulars.com/ebooks-and-fact-sheets/) - [Ebooks & Fact Sheets](https://nccustommodulars.com/ebooks-and-fact-sheets/) - [Free Webinar Modulars 101: Your Guide to Customization](https://nccustommodulars.com/webinar/) - [FAQs](https://nccustommodulars.com/faqs/) - [Blog](https://blog.nccustommodulars.com/) - [About](https://nccustommodulars.com/about/) - [Contact](https://nccustommodulars.com/contact/) Mar**11** [No Comments](https://blog.nccustommodulars.com/about-modular-homes/financing-your-modular-home-what-you-need-to-know#comments-listing) # [Financing Your Modular Home: What You Need to Know](https://blog.nccustommodulars.com/about-modular-homes/financing-your-modular-home-what-you-need-to-know) Categories: [Modular Homes](https://blog.nccustommodulars.com/about-modular-homes/topic/modular-homes) ![](https://blog.nccustommodulars.com/hubfs/The-Carolina-Stanley-07092024_113804.jpg) Building a new home is an exciting journey, and one of the most important steps is understanding how to finance your modular home. Many buyers are surprised to learn that modular homes can be financed much like traditional site-built homes, but there are a few unique steps involved. At Carolina Custom Homes of Burlington, we guide our customers through every stage of the process—from choosing a floor plan to understanding financing and construction timelines. If you’re planning to build a home in North Carolina and have questions about financing, our team is happy to help. Call Carolina Custom Homes of Burlington at [336-226-9066](tel:336-226-9066) to talk with our team about your project and explore your options. ## Understanding Modular Home Financing Options When exploring modular home financing options, it’s helpful to know that modular homes are typically treated similarly to traditional homes by lenders. Because modular homes are built to the same local and state building codes as site-built homes, many of the same financing options are available. Some of the most common loan types used for modular homes include: - Conventional mortgage loans FHA loans VA loans for qualified veterans USDA rural development loans A modular home construction loan designed specifically for building projects Working with lenders who understand modular construction can make the process smoother and help prevent delays during the building process. ## **How to Finance a Modular Home** Many buyers ask us how to finance a modular home, and the process is often simpler than they expect. With the right planning and guidance, financing can move quickly and efficiently. The general steps usually include: - Getting pre-approved by a lender Reviewing modular home loan requirements, such as credit score, income, and debt-to-income ratio Selecting your land if you don’t already own property Choosing your home design and floor plan Finalizing your construction financing Getting pre-approved early is one of the best things you can do because it helps you understand your budget and ensures your project stays on track. ## **Construction-to-Permanent Loans for Modular Homes** Many homeowners choose a construction-to-permanent loan, a modular home financing option, when building from the ground up. This loan structure simplifies the financing process by combining construction funding and your long-term mortgage into a single loan. During construction, funds are released in stages as the project progresses. Once the home is completed, the loan converts into a traditional mortgage. This type of financing offers several advantages: - One loan instead of two separate loans Potentially lower closing costs A streamlined transition from construction to homeownership Working with a lender familiar with modular construction can make this process even easier. ## **Planning for the Total Cost of Your Modular Home** When planning your project, it’s important to understand the full scope of the investment. The cost to build a modular home in NC can vary depending on several factors such as land conditions, site preparation, customization options, and utilities. Site preparation often includes clearing land, installing a foundation, and preparing access for utilities. Interior upgrades and design features can also influence the final cost of the home. At Carolina Custom Homes of Burlington, we help homeowners evaluate every part of their project so they have a clear picture of the total investment before construction begins. ## **Working With Experienced Modular Home Builders in North Carolina** Choosing the right builder is a critical part of the homebuilding process. Experienced modular home builders in North Carolina understand how to coordinate construction, financing, and customization so that your project runs smoothly. At Carolina Custom Homes of Burlington, we work closely with homeowners, lenders, and manufacturers to ensure the building process stays organized and efficient. Our team helps guide you through selecting a floor plan, customizing your home, and preparing your site for construction. As a family-owned company with years of experience building modular homes, we are proud to help North Carolina families design homes that match their lifestyle and budget. ## **Financing Your Modular Home with Confidence** Understanding financing your modular home is one of the most important steps toward building the home you’ve been dreaming about. By learning about financing options, understanding loan requirements, and working with experienced professionals, you can move forward with confidence. At Carolina Custom Homes of Burlington, we’re here to guide you through every step—from selecting your floor plan to helping you navigate the financing process. If you’re ready to begin financing your modular home or want to learn more about your options, call Carolina Custom Homes of Burlington at [336-226-9066](tel:336-226-9066). Our team would be happy to answer your questions and help you take the first step toward building your new home. Don’t forget to follow us on [Facebook](https://www.facebook.com/NCCustomModulars) and [Instagram](https://www.instagram.com/carolina_custom_homes/) for more information. ![Carolina Custom Homes](https://nccustommodulars.com/wp-content/uploads/2023/06/logo_black.png) ### Written by [Carolina Custom Homes](https://blog.nccustommodulars.com/about-modular-homes/author/carolina-custom-homes) Carolina Custom Homes of Burlington was founded with a mission to provide customers with an alternative, greener way to build. We partner with North Carolina’s top manufacturers to create both practical and luxurious designs for your home. We maintain a low operating overhead, which means that more of your money goes towards designing and building your perfect home. We provide you with high quality, custom modular homes at an unbeatable value. ### Categories - [Modular Homes (81)](https://blog.nccustommodulars.com/about-modular-homes/tag/modular-homes) - [Tips and Tricks (14)](https://blog.nccustommodulars.com/about-modular-homes/tag/tips-and-tricks) - [Custom Homes (9)](https://blog.nccustommodulars.com/about-modular-homes/tag/custom-homes) - [Home Builders (8)](https://blog.nccustommodulars.com/about-modular-homes/tag/home-builders) - [Home Building Process (7)](https://blog.nccustommodulars.com/about-modular-homes/tag/home-building-process) - [Home Decor (7)](https://blog.nccustommodulars.com/about-modular-homes/tag/home-decor) - [First Time Homebuyer (4)](https://blog.nccustommodulars.com/about-modular-homes/tag/first-time-homebuyer) - [Home Maintenance (4)](https://blog.nccustommodulars.com/about-modular-homes/tag/home-maintenance) - [Free Resources (3)](https://blog.nccustommodulars.com/about-modular-homes/tag/free-resources) ### Recent Posts [Why Are Modular Homes Durable? Understanding the Strength Behind Modern Modular Construction](https://blog.nccustommodulars.com/about-modular-homes/why-are-modular-homes-durable-understanding-the-strength-behind-modern-modular-construction) Thu - 25 Jun - 12:14 PM If you've ever wondered why modular homes are durable, you're not alone. Many homebuyers are,... [Read more](https://blog.nccustommodulars.com/about-modular-homes/why-are-modular-homes-durable-understanding-the-strength-behind-modern-modular-construction) [A Simple Guide to Building Your Own Home with Confidence](https://blog.nccustommodulars.com/about-modular-homes/a-simple-guide-to-building-your-own-home-with-confidence) Fri - 12 Jun - 11:13 AM Building Your Own Home is one of the most exciting investments you can make for your family and,... [Read more](https://blog.nccustommodulars.com/about-modular-homes/a-simple-guide-to-building-your-own-home-with-confidence) [Summer Home Design Trends for North Carolina Homeowners](https://blog.nccustommodulars.com/about-modular-homes/summer-home-design-trends-for-north-carolina-homeowners) Fri - 29 May - 12:41 AM When homeowners begin planning a new custom home, staying current with summer home design trends,... [Read more](https://blog.nccustommodulars.com/about-modular-homes/summer-home-design-trends-for-north-carolina-homeowners) [How Energy-Efficient Modular Homes Help Lower Utility Bills With Smart Energy-Saving Features](https://blog.nccustommodulars.com/about-modular-homes/how-energy-efficient-modular-homes-help-lower-utility-bills-with-smart-energy-saving-features) Tue - 19 May - 11:42 PM At [Carolina Custom Homes of Burlington](https://nccustommodulars.com/), we believe homeowners should enjoy comfort, quality, and,... [Read more](https://blog.nccustommodulars.com/about-modular-homes/how-energy-efficient-modular-homes-help-lower-utility-bills-with-smart-energy-saving-features) [5 Reasons Spring Is the Best Time to Start Building a Custom Home](https://blog.nccustommodulars.com/about-modular-homes/5-reasons-spring-is-the-best-time-to-start-building-a-custom-home) Tue - 28 Apr - 10:21 AM Spring is a season of new beginnings, making it the perfect time to start planning something as,... [Read more](https://blog.nccustommodulars.com/about-modular-homes/5-reasons-spring-is-the-best-time-to-start-building-a-custom-home) ## About Us Carolina Custom Homes of Burlington was founded with the concept of providing customers an alternative, greener way to build. Partnering with North Carolina’s top manufacturers and maintaining a low operating overhead allows us to provide unmatched custom modular homes at an unbeatable value. With 40+ years of home building experience on our team we are confident we will deliver the most professional, experienced service available in the customized modular home industry today! Read More --- ![All_White-01---200x60](https://blog.nccustommodulars.com/hs-fs/hubfs/All_White-01---200x60.png?width=200&height=60&name=All_White-01---200x60.png)   ### Recent Posts ## Contact Information **Address:** [2450 N. Church St. Burlington, NC 27217](https://www.google.com/maps/place/2450+N+Church+St,+Burlington,+NC+27217/@36.0923306,-79.3924156,17z/data=!3m1!4b1!4m5!3m4!1s0x88532b286394266d:0x68188cead828c7de!8m2!3d36.0923263!4d-79.3902269) **Phone:** [336-226-9066](tel://336-226-9066) **Email:** [Info@NCCustomModulars.com](mailto:Info@NCCustomModulars.com) **Office Hours:** M – F: 9 am – 6 pm Sat: 9 am – 4pm Sun: Closed \*Other times available by appointment ![](https://www.facebook.com/tr?id=1557886427622102&ev=PageView&noscript=1)