Prefab Home Loans: Your Complete Guide
Explore traditional and tokenized loan options for prefab homes. Compare rates, terms, and eligibility to find the best financing for your project.
Loan Options Comparison
| Feature | Traditional | Tokenized |
|---|---|---|
| APR Range | 5.5-7.5% | 4.5-6.5% |
| Down Payment | 20-30% | 10-20% |
| Approval Time | 4-8 weeks | 48 hours - 1 week |
| Min Credit Score | 620-680 | 580 |
| Self-Employed | 2 years tax returns | 1 year + bank statements |
| Loan Terms | 15-30 years | 10-30 years |
Prefab Loan Features
✓ Milestone Funding
Funds released in stages: deposit, production milestones, delivery, installation, final inspection. Protects you from paying for incomplete work.
✓ Combined Land + Build
Single loan covers land purchase and prefab home construction. Simplifies financing vs. separate land loan + construction loan.
✓ Rate Lock Protection
Lock your rate for up to 90 days. One-time float-down option if rates improve during your lock period.
✓ Flexible Underwriting
Alternative documentation accepted: bank statements, crypto holdings, rental income, cross-border income sources.
✓ Assumable Loans
Tokenized loans are assumable—buyers can take over your loan when you sell, adding value if rates have risen.
✓ No Prepayment Penalty
Pay off your loan early without penalty. Refinance or sell anytime without additional fees.
Current Prefab Loan Rates
30-Year Fixed
Traditional prefab mortgage
25-Year Tokenized
Blockchain-backed, flexible
15-Year Fixed
Faster payoff, lower rate
* Rates shown are for informational purposes and assume excellent credit (740+), 20% down payment, and owner-occupied property. Actual rates vary based on credit profile, location, and market conditions. Updated weekly.
How to Apply
- 1
Check Your Eligibility
Use our eligibility checker to see which loan programs you qualify for.
Check Eligibility → - 2
Calculate Your Payment
See estimated monthly payments based on different loan amounts and terms.
Use Calculator → - 3
Submit Pre-Approval Application
Complete our quick online application to get pre-approved within 48 hours.
Apply Now →
Prefab Loan FAQs
Ready to Finance Your Prefab Home?
Compare loan options and get pre-approved today. Our experts are here to help you choose the best financing.