Financing
Traditional Construction Loan
A construction loan is a short-term loan used to pay for building a home. The money is released in stages as the work is completed, and you typically make interest-only payments during construction. Once the home is finished, a permanent mortgage loan is used to pay off the construction loan. The Land Purchase, Home Purchase and Construction can ALL be included in this loan.
Central Bank
Brandon Grant
(719) 650-6907
Apply for a Central Bank Construction Loan Application Now
Federal Savings Bank
Sean O’Brien
(970) 297-7228
Apply for a Federal Savings Construction Loan Application Now
One Time Close Construction Loan
A one-time close construction loan is a single loan that covers both the construction of your home and your permanent mortgage. You only go through one approval and one closing. During construction, funds are released in stages, and you typically make interestonly payments. When the home is complete, the loan automatically converts into a traditional mortgage. The Land Purchase, Home Purchase and Construction can ALL be included in this loan. VA $0 Down can be used with this loan program.
Clearview Mortgage
Dale Fitch
(828) 575-3713
Apply for a Clearview One Time Close Application Now
Home Only Financing (Chattel)
Chattel financing for a mobile home is a loan used to purchase the home only, not the land. The home is treated as personal property. These loans typically have a faster approval process and fewer requirements than traditional mortgages, making them a flexible option for buyers who are leasing land or placing a home in a community. Some basic Construction or set up costs can be included in this loan.
Triad Financial
DJ Robbins
(720) 217-5731
Apply for a Triad Home Only Loan Application Now
AutoMHatic
Apply for a auotMHatic Home Only Loan Application Now
21st Mortgage
Apply for a “21st Mortgage Home Only Loan Application” Now
Colorado Home Sales - Making Homeownership Affordable in Colorado
Finding the right financing is one of the most important steps in buying a home. At Colorado Home Sales, we’ve partnered with trusted lenders who specialize in modular and manufactured home financing. Whether you’re a first-time buyer or looking to upgrade, our wide range of financing options makes homeownership more accessible.
Financing Options Tailored to Your Needs
Our goal is to provide you with financing solutions that align with your circumstances, ensuring a smooth path to homeownership.
For qualifying veterans and active-duty service members, VA loans provide substantial benefits, such as no down payment, favorable interest rates, and no requirement for private mortgage insurance (PMI). These advantages make VA loans an excellent and affordable choice for those who have dedicated their service to our country and are looking to buy a home.
FHA loans are designed to make homeownership attainable for a broader range of buyers, particularly first-time buyers. With lower down payment requirements and flexible credit guidelines, FHA loans provide a pathway to owning a home without the substantial upfront financial burden often associated with conventional loans.
Conventional loans are a solid choice for buyers with strong credit and a stable financial background. They offer flexibility in terms of loan structure and can often come with lower interest rates. For those who can provide a 20% down payment, conventional loans also eliminate the need for private mortgage insurance (PMI), reducing overall costs.
If you’re planning to build your home from the ground up, a construction-to-permanent loan offers an efficient solution. This loan covers both the construction phase and seamlessly transitions into a permanent mortgage upon completion. With just one application and closing, this option simplifies the process and ensures consistent financing from start to finish.
Securing the right financing is a critical step in your pre-fab home-buying journey. Our team is here to provide guidance every step of the way—from helping you get pre-approved to comparing loan options and facilitating a smooth closing. We work closely with our clients to ensure you fully understand your options and feel confident in your decisions.
We recognize that every buyer’s situation is different. For those with unique financial or property considerations, we offer access to specialized loan products tailored to your specific needs.
Looking for a lender who understands Manufactured and Modular Home Construction Loan Programs?
Meet Our Lending Partners
Looking for a lender who understands Manufactured and Modular Home Construction Loan Programs?
When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. I’ll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.
Your Dream Home in Colorado is Closer Than You Think
Don’t let the financial aspect of buying a home intimidate you. We’re here to make the process simple, transparent, and stress-free. Contact us today to explore your financing options and take the first step towards owning a beautiful, affordable pre-fab home in Colorado.
What Do Our Clients Have to Say About Our Services?
Explore stories from Coloradans who have realized their homeownership goals with Colorado Home Sales.