Financing
Built to qualify for a real mortgage
A Modera home is structured as real estate — not a chattel purchase — so it can be financed the way a site-built house is.
Permanent foundation
Each home is set on a permanent, engineered foundation — a lender requirement for real estate financing.
Title retirement
We retire the personal-property (vehicle) title so the home is treated as real property, like any site-built house.
HUD compliant
Homes are built to the federal HUD code and inspected, which mortgage programs require.
30-year terms
Because it qualifies as real estate, your home can be financed on long, fixed mortgage terms instead of a short chattel loan.
Loan programs
Ways to finance your home
- FHA
- Government-insured loans with flexible credit and down-payment guidelines — a common path for first-time buyers.
- VA
- For eligible veterans and service members, VA financing can offer competitive terms and no down payment on a qualifying manufactured home.
- USDA
- In eligible rural areas, USDA programs support homeownership with favorable terms for buyers who qualify.
- Conventional
- Standard mortgage financing is also available for a permanently-foundated, title-retired manufactured home.
This page is general education, not a commitment to lend, an offer of credit, or a guarantee of approval. Loan programs, eligibility, rates, and terms vary and are set by third-party lenders. Talk with a licensed lender about your specific situation. Modera Homes is not a mortgage lender. (Wording pending lender/counsel review.)