Financing the construction of a modular home is no different than traditional construction financing, although many financial institutions prefer the lower risk associated with modular technology. The shorter construction cycle and the fact that the first major loan draw is not required until the home is 80%+ completed and arrives on site is attractive to many lenders, and can reduce costs for you, the buyer.

Epoch Homes works with many lenders on a regular basis. We’ve provided a link below to one of them, IndymacBank, which offers automated web-based loan qualifying. However, you should also feel free to work with your own local lender, or to talk to your builder about lenders with which he or she has had good experience.
Take advantage of one of the home construction loans that IndyMac Bank offers via our partnership with Epoch Homes. IndyMac is a national mortgage lender known for competitive rates, superior service and fast, easy approval.

How to Get Started
It's easy and quick. Simply click on GET STARTED NOW below, and complete IndyMac's online loan application to pre-qualify. There's NO obligation. And there's NO charge to apply. This simply tells you the loan amount for which you are eligible. Or call to speak with a Construction Lending Specialist.

Work With The Experts
Once you have qualified for a construction loan, you'll work closely with an IndyMac Construction Loan Specialist. This keeps your project moving smoothly with no surprises along the way.

We've Got Just The Right Loan
Construction-To-Permanent Loans
One loan, one closing, and one set of fees! Getting approved for a construction loan often requires applying for two loans--one for construction financing and one for permanent financing. But we offer a Construction-To-Permanent loan that combines both types of financing into one loan. This takes you from groundbreaking to completion in one easy process.
Lot Loans
Select our Lot loan if you are looking to purchase a residential lot for future construction of your primary residence or second home. Then, when you are ready to build, we will help you with your Construction-To-Permanent loan.
Bridge Financing
Don't wait to sell your old home before building your dream home. You can access equity in your current home to use as the down payment on a Construction-To-Permanent loan.
By clicking on this link, you will be leaving the Epoch Homes Web site to connect to a Web site under the control of IndyMac Bank. Use of the IndyMac Bank Web site is subject to IndyMac Bank's Privacy Policy and Terms Of Use as described on the IndyMac Bank Web site. Epoch Homes is not a mortgage lender or broker.

Still have questions? Call toll-free 866-300-7823 to speak with a construction loan specialist, or download a copy of our booklet (pdf) that answers the most frequently asked questions about building your own home.
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