Introduction To The Registered Dealer

ModularHome.com Logo - Registered Builder/Dealer of BuildBuyRefi.com

ModularHome.com, a registered builder of BuildBuyRefi.com, is a 50-state marketplace for modular homes, metal homes, and barndominiums.

Most lenders treat a factory-built or steel-frame home on raw land as a problem to avoid. BuildBuyRefi.com treats it as core business, financing it as a direct, FDIC-insured construction lender. Because ModularHome.com is already registered in our builder network, the builder-approval step that stalls most construction files is done, which can pull 30 to 60 days out of your timeline.

Qualified borrowers reach up to 100% financing on eligible programs, plus up to *$50,000 in additional funds before, at, or after closing. Everything runs in-house: origination, underwriting, appraisal review, and draw management, handled by people who know how modular and steel-frame homes are certified and valued.

A Modular Home Marketplace, Not A Single Factory

ModularHome.com is built around selection. Instead of pushing one product line, it gathers modular, metal, and barndominium designs from many builders into one place so you can compare before you commit. The flow is simple: pick a home from the catalog, take delivery on your property, then finish the build with your own approved contractor or use an installer.

That range is the whole value. A buyer who wants a true modular ranch, one who wants a clean-lined metal home, and one set on a steel barndominium with a shop attached all begin in the same catalog and walk away with very different homes. The builder network spans the country, and the financing through BuildBuyRefi follows in all 50 states.

For loan purposes, the homes that fit are the certified, permanently affixed ones placed on land you own. Most of the marketplace is exactly that.

Types of Properties You Can Shop For At ModularHome.com

A quick overview of the catalog and how each type lands with us:

• True modular homes — IRC-built, state-certified, set on a permanent foundation, treated as real property exactly like a site-built house. Fully mortgage-eligible.

• Metal homes — durable steel-frame construction with modern, low-maintenance finishes, financed as permanent residential construction on owned land.

• Barndominiums — open-span steel living that often combines home, garage, and workshop under one roof, eligible as permanent residential construction with proper zoning and foundation.

• House kits — pre-engineered shell packages an approved contractor finishes. Eligible when finished by that contractor, not the buyer alone.

• Tiny homes and ADUs — handled separately below, because eligibility hinges entirely on whether the unit is permanently affixed.

Each design can be customized through the marketplace, with pricing shown before you order.

Land & Home Barndo & Modular Financing: What Qualifies, What Does Not

This is the part that decides your loan, so it is worth being plain.

Qualifies for a mortgage: a certified home, permanently affixed to a qualifying foundation, on land you own or buy at closing, at least 600 square feet, finished by a licensed approved contractor. Built this way it meets standard 15 and 30 year guidelines, and we finance it for primary residences, second homes, and investment construction alike. Self-build and owner-as-contractor are never eligible, which is why kit and shell products have to be completed by an approved contractor.

Does not qualify for a mortgage: anything that is not certified real property and not permanently affixed, such as park models or chassis-based tiny homes. These would normally need a chattel loan. We do not write those. The workaround for a non-affixed unit lives in the next section.

If your plan is a certified home, fixed to your land, finished by an approved contractor, you are squarely in our lane.

Tiny Homes And ADUs: Two Paths, One Rule

The deciding factor is simple: is the unit permanently affixed to the land?

Affixed and qualifying → real construction. It rides inside the primary build or gets financed through our 2nd Mortgage Construction-to-Permanent loan, the same as any eligible structure.

Not affixed, or below the size a mortgage requires → it cannot carry a mortgage on its own, and chattel is off the table. But when we already hold your mortgage or construction loan on an eligible certified home, you can tap up to *$50,000 in consumer financing toward that secondary unit, before, at, or after closing. It is a standalone consumer loan, capped at $50,000, available only because we hold the primary loan. It is never folded into the construction loan and never replaces one.

The logic in one line: the certified home carries the mortgage, the small non-affixed unit rides beside it on the consumer side, up to the cap.

How The ModularHome.com Process Works

The marketplace is built to take you from browsing to a finished home on your land in a clear sequence. Here is how it comes together with your financing running alongside it.

Browse And Choose. Compare modular, metal, and barndominium designs across the catalog, weighing floor plans, finishes, and pricing until you find the home that fits your land and budget. Nothing is locked in until you decide.

Line Up Financing Early. This is the step most buyers wish they had started sooner. Connecting with your BuildBuyRefi banker before you order means your construction loan is structured and your eligibility is confirmed while you finalize the home, not after, which keeps the whole timeline tight.

Confirm The Build And Site. Your design is finalized, your approved contractor is set, and your land is prepared: foundation, utilities, permits, and zoning confirmed for the home you chose. Certified modular and steel-frame homes carry specific foundation requirements, and getting this right up front prevents the most common delays.

Delivery. The home or kit ships to your property and is set on the prepared foundation. Because the structure is built in a controlled factory environment, weather and on-site labor delays that slow traditional construction are largely taken out of the equation.

Build Or Install. From there you either complete the build with your approved contractor or have an installer handle it. Draws are released as inspections confirm completed work, so the build stays funded in step with progress and the builder is never paid ahead of the work.

Final Inspection And Move-In. Once final inspections pass and the loan converts to permanent financing, the home is yours. For eligible structures, your loan moves from the construction phase to its permanent term without a second qualification on the One-Time Close and Hybrid structures.

Because the home is factory-built and set on a prepared foundation, this path is typically faster and more predictable than from-scratch site construction, with tighter cost control from the fixed catalog pricing.

Up To 100% Construction Financing Nationwide For Modular, Metal Homes, and Barndominiums, With Bobby Atkisson

Picking the home is step one. Matching it to the right loan structure is where a direct construction lender earns its keep. Your programs run through Bobby Atkisson, Top Rated® Sr. Vice President and LPO Manager, BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #28045, the preferred lender for ModularHome.com, financing nationwide.

Start with the Hybrid Construction Loan. It is the structure we built in-house to end the old tradeoff between a clean single closing and the freedom to improve your rate later. Both sets of loan documents are prepared upfront, so the build feels like a one-time close, while the permanent rate stays flexible all the way through completion. It is also eligible for VA and FHA streamline refinancing on the permanent loan in qualifying scenarios. No broker or correspondent can offer it, because it only works with in-house origination, underwriting, and draw management. For most buyers shopping this marketplace, it is the strongest option on the board.

From there, the rest of the toolkit:

• One-Time Close and Two-Time Close structures for buyers who want either rate certainty at closing or rate negotiation near completion.

• VA construction for eligible veterans and spouses, up to 100% with no mortgage insurance. The funding fee sits on the permanent end loan, and IRRRL streamline applies later.

• Conventional, FHA, and Portfolio construction from a 640 minimum middle score.

• Jumbo construction up to $4.5 million for high-value builds.

• ITIN construction for borrowers filing with an Individual Taxpayer Identification Number, which few direct lenders touch.

A certified modular home, worth repeating, is treated as a site-built single-family home under all of these. No VIN, not manufactured housing, eligible in every state. And land you already own can offset your down payment, with any existing balance paid off and rolled in. Learn more about our Barndominium construction loans here.

Why The Lender Structure Matters Here

A lot of outfits advertise construction loans. Far fewer actually hold the loan and finance in-house from start to finish. BuildBuyRefi is a division of The Federal Savings Bank, federally chartered, FDIC-insured, veteran-owned, lending in all 50 states with a registered builder network nearing 2,000 contractors.

The common alternative is a broker or correspondent who hands your file to an outside investor or resells the loan right after closing.The moment that happens, the people you trusted with your build are gone, and your draws and timeline belong to strangers.

These arrangements also tend to bury processing and administrative charges in the loan, sometimes tens of thousands of dollars, money that builds nothing and can push your loan amount past your home's appraised value, leaving you to cover the gap in cash.

We carry none of that. No administrative fees on our construction programs. One banker from your first call through your final draw. Money releases only after an inspection confirms the work is actually done, so your builder is never paid ahead of progress. The structure is designed to protect you, not the investor.

Also, if you dream big, and want a massive property for your family, our Jumbo Construction loans go up to $4.5 Million, in-house, this isn’t something you will see being done by brokers or other lenders that farm out your construction financing.

Begin Your Barndo or Modular Adventure. Check Your Eligibility Today And Access Up To An Extra *$50,000 Before Or At Close!

Meet Bobby Atkisson, ModularHome.com's Preferred Lender & Sr. Vice President Of Construction Lending

FHA 203K Specialist | FNMA HomeStyle Specialist | Veteran Lending Specialist | New Construction Loan Specialist | Construction Loan Specialist | VA Renovation Specialist

Bobby Atkisson is a Top Rated® Sr. Vice President and LPO Manager with BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #28045. He brings the program depth that steel, barndominium, and kit-home construction on owned land requires, and he finances nationwide alongside ModularHome.com’s contractor network.

Powering your build with flexible, accommodating financing, Bobby and our team guide you through a secure and straightforward process so your experience with ModularHome.com stays clear from kit order to final inspection.

Check Your Eligibility Today. Once you submit your information, Bobby Atkisson, our ModularHome.com preferred banker, will guide you through the steps from start to finish. To be assigned to Bobby, complete the eligibility or calendar forms on this page.

Have Bobby Atkisson Call Me

What Else Comes With Financing Through BuildBuyRefi

• *Up to $50,000 extra before, at, or after closing, for interior finish-out, a secondary structure, outdoor work, debt consolidation, or shoring up your financial profile.

• Up to 30% off real estate commissions through our participating agent network in all 50 states, when buying land for the build or selling an existing property, applied as a closing cost credit or rate buy-down.

• Low and no down payment options depending on loan type, with VA reaching 100% and land equity often covering the down payment.

• In-house decisions on approval, draws, and underwriting, so the file keeps moving without third-party handoffs.

Already Own Your Land? Build A Second Structure Without Touching Your First Mortgage

Plenty of marketplace buyers are not starting from scratch. They already own a home, often at a low locked-in rate, and want to add a permanently affixed ADU, guest house, second modular, or detached metal structure on their acreage. Refinancing the whole mortgage just to fund that addition usually costs more in interest over time than the project does.

Our 2nd Mortgage Construction-to-Permanent loan avoids that entirely. It funds the new structure during construction and settles into a fixed-rate, closed-end second lien at completion. Your first mortgage and its rate stay exactly where they are. Few lenders offer this, and it applies to permanently affixed, qualifying structures.

Schedule A Free Strategy Call With Bobby Atkission

ModularHome.com Financing Frequent Questions, Answered

1. Is ModularHome.com a builder or a marketplace?

A marketplace & authorized dealer. It brings together modular homes, metal homes, and barndominiums from a nationwide builder network so you can compare styles, plans, and pricing in one place, then take delivery and finish the build with an approved contractor.

2. How do I know if the home I picked can be financed?

The test is certification plus permanence. If it is a state-certified home, permanently affixed to a foundation on land you own, at least 600 square feet, and finished by an approved contractor, it qualifies for a standard mortgage. If it is not certified real property or not affixed, it does not, and a different path applies.

3. Why can't a park model or tiny home on wheels get a mortgage here?

Because it is not real estate. A home on a chassis is titled and treated as personal property, which lenders finance with chattel loans, a product we do not offer. A non-affixed unit can instead be funded through our consumer financing, up to $50,000, but only when we already hold the mortgage on a qualifying primary home on that property.

4. I want the modular home AND a small backyard ADU. How does that work?

If the ADU is permanently affixed, it can be financed as construction, either in the primary loan or as a second lien. If it is not affixed, it goes on the consumer side, up to the $50,000 cap, alongside your primary loan with us.

5. Can the land purchase be part of the loan?

Yes. Land and home can close together in one plan. Equity in land you already own can shrink or erase your down payment, and an existing land balance can be paid off and rolled into the loan.

6. Are barndominiums and metal homes harder to finance than a regular house?

Not with us. We finance them as permanent residential construction when built on owned land with proper zoning, a qualifying foundation, and permitting, and completed by an approved contractor. Our team carries the appraiser and program familiarity steel-frame builds require, which is exactly where generalist lenders stumble.

7. How does being registered with you speed things up?

Builder onboarding is often the slowest part of a construction file. Since ModularHome.com is already in our network, that work is finished, and the only approval left is yours. That commonly saves 30 to 60 days.

8. What credit score gets me in the door?

640 middle FICO for Conventional, FHA, and VA construction. ITIN starts at 680, Jumbo at 720. Higher scores open more options and better terms.

9. Which loan structure should I be looking at?

For most marketplace buyers, the Hybrid Construction Loan, since it combines a single-close experience with the ability to improve your permanent rate later. One-Time Close, Two-Time Close, VA, FHA, Conventional, Jumbo, and ITIN options are all available depending on your scenario, and Bobby will steer you to the right fit.

10. Where do you lend?

All 50 states. BuildBuyRefi finances modular, metal, barndominium, kit, and site-built construction nationwide, so the marketplace's reach and our lending footprint line up.

Why Barndo & Metal Home Buyers Start At ModularHome.com

The draw is choice. One place to weigh a modular ranch against a metal home against a barndominium, across many builders, instead of being funneled into a single factory's lineup. Browse, compare, take delivery, and build or install. Pair that selection with up to 100% construction financing from BuildBuyRefi, and the road from picking a home to getting the keys stays short and affordable.

Contact ModularHome.com To Start Your Dream Home Shopping

ModularHome.com

Phone: 812-595-4033

Toll Free: 800-513-1675

Website: ModularHome.com

For construction financing and loan structure, connect with:

Bobby Atkisson, Sr. Vice President and LPO Manager, Top Rated® Banker, BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #411500 (Banker NMLS #28045)

Discover how you can build your dream home. Check your eligibility today or schedule an appointment with our team.

Where ModularHome.com Delivers

ModularHome.com coordinates delivery and installation nationwide through its builder network, and BuildBuyRefi finances the build in all 50 states. Wherever your land sits, the financing reaches it.

View other builders at our Registered Home Builders page. For other steel, barndominium, and kit builders, you may also want to explore Titan Metal Structures, Evolve Kit Homes, Homerun Building Supply, and Next Modular.