Financing
Financing a kit home.
A kit isn’t a finished house, so it isn’t financed like one. Here’s how buyers usually pay for it, and what to have ready before you talk to a lender.
How kit homes usually get financed
It isn’t a standard mortgage
A mortgage needs a finished house to lend against. A kit arrives as materials, so most buyers use a construction loan, or a land-and-construction loan if they don’t own the land yet.
The kit is paid before delivery
Our terms are 50% at signing, 25% before production and 25% before shipment, by ACH, wire or certified check. Tell your lender this up front; it affects how the loan pays out.
The lender looks at the whole build
The kit is one line. Land, site work, foundation, utilities, assembly and finishes are the rest, and a lender will want all of it in one budget.
What to have ready
01
The kit and its price
Which kit, which floor plan, and our written quote.
02
Plans
SIP kits include stamped engineered drawings for most states. Log kits include structural blueprints, with stamped engineering for an added charge.
03
Your land
A deed, or the purchase contract if you’re buying it.
04
A full budget
Your builder’s estimate and your own quotes for everything beyond the kit.
Get a quote on your home package within one business day.
Every price we publish is the kit alone. Tell us where your land is and we’ll add freight and tax, apply your $1,000 credit, and send the whole number.
60-day price lock at signing