Why Work With Nunez Modular Financing?
At Nunez Modular, we’ve built strong relationships with trusted lenders who understand modular construction, today’s market, and the needs of real customers.
Whether you’re buying your first home, upgrading, or investing, we help you secure the right financing quickly and professionally.
- Lenders experienced in modular and factory-built homes
- Financing options for a wide range of credit profiles
- Support from experienced professionals every step of the way
- Solutions for both land owners and new land buyers
Our team works directly with you to simplify what can often be a complicated process.
Flexible Financing Options
We offer a full range of financing programs designed to fit your situation:
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.
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 of the above
Our lending partners specialize in helping customers get approved even when others say no.
Government-Backed Financing
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 FHA Home Loans
Backed by the Federal Housing Administration, FHA loans have helped millions of Americans become homeowners since 1934.
At Nunez Modular, FHA loans are one of the most popular options due to their flexibility and accessibility.
- Down payments starting at 3.5%
- Use cash, land equity, or trade value toward your investment
- Flexible credit requirements
- Option for seller-paid closing costs
FHA loans are ideal for first-time buyers or anyone looking for a more accessible path to owning a modular home.
VA Home Loans
For those who have served, VA loans offer some of the strongest benefits available in today’s market.
Nunez Modular proudly supports our Veterans by helping them take full advantage of these benefits.
- As little as $500 down (when applicable)
- No monthly mortgage insurance
- Seller can cover 100% of closing costs
- Competitive interest rates and terms
Eligibility is based on military service history, duty status, and discharge conditions.
USDA Rural Development Loans
For buyers looking outside major urban areas, USDA loans provide a powerful opportunity to own a home with minimal upfront cost.
- Up to 100% financing available
- Low out-of-pocket costs (as little as $500 down in some cases)
- Designed for primary residences in eligible rural areas
- Can finance land + home together
This program is especially well-suited for customers placing a Nunez Modular home on their own land or purchasing land as part of the project.
