Top Rated® Mortgage Bankers For Construction Loans To Manufactured Homes, Get Up To 100% To Build, Buy, Refi or Renovate Now!


Some Of The Very Best Home Loan Programs In All 50 States

Let Us Show You The BuildBuyRefi Difference.


We're The Decision Makers And Creative Team Behind Locating You Some Of The Best Loan Programs Available Today. With Over 50 Years Combined Experience Lending In All 50 States, Tough Loans Don't Scare Us!

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FHA, USDA, & VA One-Time Close Construction Loans Up To 100%. Build Your Home & Buy Your Land With Just One Loan, NOT THREE Separate Loans With 3 Times The Costs & Appraisals.

VA Renovation & FHA 203k Purchase + Same-Time Rehab Loans. Get Up To $50,000+ OVER Contract Sales Price For Qualifying Upgrades On All Stick Built, Manufactured, & Modular Homes.

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Conventional, FHA, USDA, and VA Purchase Programs Including Same-Time Purchase Renovation Loans Offering Up To $50,000+ OVER Sales Price For Qualifying Upgrades.

BuildBuyRefi has Jumbo & VA Jumbo Loans Up To $2M, Also Lending On Large Acreage Single-Wide And Multi-Wide Manufactured Homes On Permanent Foundations.

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Conventional FHA, USDA, and VA Cash-Out Loans Up To 100%. Including Debt Consolidation, And Every Streamline Rate Reduction Refinance Loan Available.

FHA 203k Rehab & VA Renovation Loans Allowing Up To $50,000 Or More Over Your Current Homes Appraised Value For Updates On All Stick Built, Manufactured, & Modular Property.


The BuildBuyRefi One-Time Close Construction Loan, Up To 100% & NO Re-qualifying.

Ready to build your dream home?

We have the most popular single-close OTC construction loan in the country, and it’s our most requested program. Buy your lot and home with just one mortgage loan. Traditional construction financing often have higher interest rates, requires up to 20% down, and three separate loan closings to qualify for, not here! All stick built, modular, and manufactured single family style home types are eligible!

*Fee’s may be higher than traditional construction loans, but the OTC single close loan is the clear winner in “out-of-pocket” costs. There is no re-qualifying, and no loan payments due during construction, plus our rates are often lower than traditional construction financing. 620 FICO required.

We Won’t Give Up If You Don’t!


Building Your Dream Home Can Be A Stressful Adventure, yet Your Success Is Our Only Priority!


BuildBuyRefi Construction

  • The Most Zero Down 100% One-Time Close Construction Loans On The Market.

  • Programs available with no mortgage insurance.

  • No payments while your home is under construction.

  • One loan instead of three separate transactions.

  • No requalifying.

  • Credit scores starting at 620.

Vs. The Other Guys

  • 10-20% down-payment for both land and home construction, NO 100% options available.

  • Must put 20% down to avoid mortgage insurance.

  • Must pay on land & house while you build.

  • Three separate loans, appraisals, and closing costs.

  • Must be approved for each loan separately over time.

  • Credit scores starting at 720.


FHA 203k, FNMA Homestyle®, USDA Rehab & VA Renovation Loans… 5 Perfect Rehab Solutions For Those With Limited Or No Equity.

Need a new roof, kitchen, bathroom? How about updated appliances like a water heater or furnace. We even have options that go way beyond the standard facelift.

*Did you know you can complete a renovation on a new home purchase? That’s right, maybe you loved the location but don’t love the interior, now buy a prebuilt home where you want and put your custom finishes on it from the start.


How Much Renovation Financing Can You Obtain?

You're Less Than 60 Seconds Away From The Answers!

We bring over 50 years of combined experience helping homeowners just like you get some of the best loan options possible. By providing loans in all 50 states, there isn’t a program, problem or solution we haven’t tackled. You deserve transparent experts, and this is what you’ll receive when working with the BuildBuyRefi team.


We'll Design Your Perfect Zero-Down Purchase For Your Dream Home.


Every government backed FHA, USDA, VA, and conventional purchase loan available. Multiple programs up to 100%, even custom renovate your new home purchase in all 50 states.


Tough Home Loans Don’t Scare Us!


With Credit Scores Starting With A 600 FICO, BuildBuyRefi Is Committed To Providing Loan Programs Other Lenders Won’t Touch.

We’re a group of hard-working, career loving mortgage bankers rolling up our sleeves to deliver custom loan solutions. With programs available to those turned-down by other banks, we don’t shy away from a little hard work. You need to know everything you will face to make the right decision, from all the costs/fees involved to the underwriting guidelines, we won’t leave you in the dark.


We’re Top Rated® Manufactured Home Loan Expert In All 50 States.

We’re seasoned veterans when it comes to every aspect of FHA, USDA, VA, and Conventional manufactured & modular home loans. Your options are virtually limitless, with programs up to 100% and even higher if looking to renovate!

*We do not provide loans on leased land or for property located in mobile home parks, or under $80,000.


 We Make The Manufactured Home Loan Process Effortless!


Most Banks Don't Loan On Manufactured Homes, And If They Do, The Terms Aren't Close To What You Could Get. BuildBuyRefi Offers Some Of The Lowest Manufactured Home Rates In The Industry, And We Even Underwrite In-House.

FHA, USDA, VA, Manufactured And Mobile Home Loan Programs, Doublewide Home Loans, Singlewide Home Loans, Triplewide Manufactured Home Loans.

BuildBuyRefi offers manufactured home loans up to 100% or more for purchase, cash out, renovation, rate-term, reverse and the one-time close construction loan. We lend on manufactured homes in all 50 states for FHA, USDA, VA and Conventional.

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We offer some of the most competitive manufactured rates in the industry. Why settle for double-digit rates and unfavorable terms just because you own a manufactured home? We don’t think that’s fair nor should you. Call us and learn why we’re different.

FHA, USDA, VA Manufactured Home Loan Lenders, FHA, USDA, VA Mobile Home Loan Lenders

We're relentless in the pursuit of obtaining your manufactured dream home, just as you are in seeking the best rate and program. Helping each client find the right loan to meet their needs is our only goal. We're here seven days a week to serve you not a quota!

*We do not lend in mobile home parks or on leased land. You must own the lot or land your manufactured or mobile home will be residing. You must be on a permanent, fixed foundation, and the house must've been built after June 15, 1976 to qualify.


up To 100% Cash out Home Loans Are Just A Click Away.


Most Lenders Limit Your Cash-Out And Debt Consolidation Options, We Don’t Play That Game. We Provide Many Programs Up To 100%, Even Renovation Loans That Can Go Higher. Tell Us What You Need, And We’ll Personally Design Your Low Rate Loan.


Accessing Equity From Your Property Has Never Been Easier.

Are you a Veteran seeing a 100% VA Cash Out Home Loan, or maybe stuck in a USDA loan that doesn’t offer cash out? Maybe you need repairs such as a roof, or design updates but your equity is limited. We have the solutions required to help you achieve your goals!

Are you in need of cash-out? We allow up to 100% for Veteran home loans, and up to 85% for FHA and conventional. Maybe you need repairs such as a roof, a needed vacation, or debt consolidation? We have the home loan solutions to help you achieve your goals.

Our cash out loan programs are available in all 50 states, and we come to you to close the loan in the comfort of your home. We even close on Saturdays to work around your busy life and schedule. Just reach out today and our bankers will help you design the cash out or debt consolidation you need.

Our cash-out /renovation loan programs are available in all 50 states, and we come to you to close the loan wherever you need us. We even close on Saturdays to work around your busy life and schedule. Just reach out today, and our bankers will help you design the cash-out or debt consolidation you need.

BuildBuyRefi doesn’t restrict your use of funds for cash-out, or debt consolidation, yet some lenders will ask for detailed letters, and proof describing your use of funds. Not us, it’s your equity, so why should you have to disclose what you need your money for?

Our bankers are experts in debt consolidation loans, and in some cases, we save our clients thousands a month. Let us customize your home loan today and show you options you never thought possible. Our goal is to put the money back where it belongs, in your pocket!

*Cash Out Loans Are Not Available In Texas, However, Renovation Loan Programs Are Available In Texas!

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VA Home Loans For Active Military, Retired Vets, And Spouses of Veterans.

Use Your VA Benefits To Design The Best Loan Solutions, Even Qualify on Your VA Disability! We have every Zero down purchase and construction program imaginable for Veterans. Including the 100%+ VA renovation Loan & 100% VA cash-out loans. Fast Closing, Low rates and never any Mortgage Insurance.


You Fought For Our Home, Now Let Us Fight For Yours!

Find Out Why Our VA Loans Are Amongst The Fastest Loans To Close.

Build the home of your dreams using our single close construction loan, whether it’s a manufactured home or jumbo loan, you deserve the absolute best service, and lowest rates available. We are going to fight for you, and your family to get the perfect loan you’re looking for.

Build the home of your dreams using our VA one time close construction loan; whether it’s a manufactured home or jumbo loan, you deserve the absolute best service and some of the lowest rates available. We’ll fight for you and your family to get the loan you desire.

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Every VA program allowing 100% financing, NO mortgage insurance, and even VA Reno loans that exceed 100%. Buy and renovate a pre-built home, or access 100% cash out to consolidate debt. Just looking to lower your rate, ask about our VA IRRRL streamline refi, it’s wicked fast.

VA Home Loan Closing, VA Home Loan Guidelines, VA Home Loan Underwriting, VA Home Loan Rates.

Our Veterans receive top priority, fast processing and access to every VA program anywhere in the country. We come to you for the loan closing, work around your schedule and won’t limit your loan options, or loan to value limits like other banks. We’re always here for you!


Jumbo Home Loan Programs From Coast To Coast!

BuildBuyRefi Jumbo Loans Are Amongst The Strongest Available For Purchase And Refinance, Like Our No Mortgage Insurance VA Jumbo Loan Available In All 50 States. We Provide Jumbo Loans So You Aren’t Limited By High-Cost Locations.


5-Star Lender Reviews That WOW!


Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction.

~Tom K. Realtor


100% USDA Rural Development Loans In All 50 States!

Whether you’re looking to build, buy, Refi or Renovate, you won’t be limited on your property type. Our USDA backed loans are designed to bring you 100% financing solutions for stick built, modular, and manufactured doublewide & triple-wide homes.


USDA Rural Development Home Loans Have Never Been More Attractive!

With a BuidBuyRefi USDA loan, your options are endless. From a one-time close construction, rehab, streamline assist and prebuilt manufactured, modular, or stick built home purchase, we have you covered in all 50 states seven days a week

*With credit scores down to 620, outside-the-box thinking, and in-house underwriting we have the USDA rural development loan program you’ve been hoping to find.


No Other Bank Comes Close To Our 7-Day A Week, “Move Like The Wind” Customer Service.

Build Buy Refi has every loan program to fit your need. One-Time Close Construction, Renovation, Purchase, Cash-Out, Refinance, & Reverse mortgages. We’re a National 5-star, Top Rated Lender, Licensed in all 50 states, working around your schedule 7 days a week. From Manufactured homes to credit challenged loans, tough loans won’t scare us.