Lenders Who Know Modular Homes
Flexible Down Payment Options
Government-Backed Loan Programs
Second Chance Financing
Fast, Straightforward Financing for Modular Homes.
Nunez Modular connects you with lenders who specialize in modular and factory built construction, offering flexible programs for every situation, from FHA and VA to USDA and second chance financing. Whether you’re buying your first home, upgrading, or investing, our team guides you through every step, from application to closing.
Flexible Financing
Options for Every Buyer.
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We offer a full range of financing programs designed to fit your situation, whether you’re purchasing land alongside your home or already have a place to build.
Home-Only Financing
Perfect if you already own land and only need financing for your modular home.
Land + Home Financing
Bundle your land purchase and home construction into one convenient loan.
OUR BENEFITS
What Makes Our Financing Different
Nunez Modular connects buyers with lenders who understand modular construction, so financing your first home, an upgrade, or an investment moves quickly and stays straightforward from application to closing.
Experienced Modular Lenders
Lenders experienced in modular and factory-built homes.
Options for Every Credit Profile
Financing options for a wide range of credit profiles.
Guided Every Step
Support from experienced professionals every step of the way.
Land Owners & Buyers Welcome
Solutions for both land owners and new land buyers.
A PATH FORWARD
Second Chance Financing Programs
We believe past financial challenges shouldn’t stand in the way of your future.
- Credit scores starting around 500 (typically with 20% down)
- 575+ credit score may qualify with as little as 10% down
- Flexible down payment options
- Cash
- Land Equity
- Combination
Built for Long-Term Investment
We understand that homeownership is one of the most important investments a person can make. For decades, local, state, and federal programs have supported this goal by making financing more accessible especially for buyers who may not qualify through traditional lending.
That’s why we work with lenders who understand modular and factory-built construction, helping our customers secure the right financing.
Government-backed loan programs make it possible to purchase a high-quality Nunez Modular home with flexible terms, lower down payments, and easier qualification requirements.
Most of these programs include an upfront mortgage insurance premium, which can be financed into the loan. Some programs also include a small monthly insurance premium to protect the lender.
Government-Backed Loan Programs Available
Government backed programs make modular home financing more accessible, with lower down payments, flexible credit requirements, and terms designed to support real buyers. Compare FHA, VA, and USDA options below to find the right fit for your situation.
FHA Home Loans
Backed by the Federal Housing Administration, helping millions of Americans become homeowners since 1934.
- Down payments starting at 3.5%
- Cash, land equity, or trade value
- Flexible credit requirements
- Seller-paid closing costs option
VA Home Loans
Some of the strongest benefits available today, proudly supporting our Veterans.
- As little as $500 down
- No monthly mortgage insurance
- Seller covers 100% of closing costs
- Competitive rates and terms
USDA Rural Loans
A powerful opportunity to own a home outside major urban areas with minimal upfront cost.
- Up to 100% financing available
- As little as $500 down in some cases
- For primary residences in eligible rural areas
- Can finance land + home together
Request a Loan Inquiry
Tell us a bit about your financing needs. Our team will review your information and follow up to discuss the right lending program for your modular home.
Important Project Notice
Submitting this form does not create a construction contract, guarantee project acceptance, establish final pricing, or confirm that a property is suitable for development.
All projects are subject to site evaluation, zoning approval, engineering review, permitting, utility availability, transportation access, foundation requirements, applicable building codes, and final written agreements.
Nunez Modular does not provide legal, tax, investment, lending, or real estate brokerage advice. Investors and property owners should consult their own qualified professional advisors before making financial or development decisions.
