01Financing
Know your number
before you pick a home.
Homes here run $82,000 to $236,000. What that costs you every month depends far more on how you finance it than on which one you pick.
02The fast path
Prequalified in 30 seconds or less
It's a soft credit check, no impact on score!
Pre-qualification is a quick read on what you could likely borrow, before you fill out a full loan application or sit down with anyone to talk numbers.
It runs on a soft credit check, so it never touches your score, and it does not ask for a Social Security number to give you an answer.
Nothing about it commits you to a home or a lender. It is a starting point, not a decision — walk away from it any time, and use the number however you want.
03Run it yourself
Move the sliders. Watch the gap.
Put in the price you are working with, then switch between the two loan types with everything else held constant. That difference is the whole argument for buying the land.
What it actually costs a month
EstimateYou own the ground and the home sits on a permanent foundation, so it titles as real property. Conventional, FHA, VA and USDA all lend here.
Estimated monthly
$1,498/ mo
- Principal & interest
- $1,242
- Property tax
- $161
- Insurance
- $95
- Home + land
- $215,000
- Amount financed
- $193,500
- Interest over the term
- $253,693
- Total of payments
- $468,693
Illustrative only. Rates move, and your actual terms depend on credit, the community, and whether the home titles as real or personal property. We will put a real lender quote in front of you before you sign anything.
04Order of operations
Do these in this order and nothing goes wrong.
Almost every purchase that falls apart falls apart because somebody did step four before step one.
- 01
Land first, always
Before a lender, before a floor plan. Whether you own or lease decides which financing you are even eligible for, and it changes the monthly figure by hundreds of dollars. If you do not own land yet, the buyer's guide at /start-here walks through the three ways onto ground.
- 02
Pre-approval, not pre-qualification
A pre-qualification is a lender being polite. A pre-approval is underwriting having actually looked. Ask for the second one; it costs nothing and takes about four days.
- 03
Site check and cost-to-set
Access, utilities, setbacks, soil, permits. We produce a written number. This is the line item that surprises people, and it is the one nobody else will quote you up front.
- 04
Order and lock
Deposit holds a build slot. Colour and finish selections stay open until the build lock date, typically three weeks before the plant run.
- 05
Close at set, not at order
You do not start paying a mortgage on a home that is still a stack of lumber. Funding happens when the home is on its piers and the foundation certification is signed.