Financing, explained plainly.
Land-and-home financing works differently than a standard mortgage, and most lenders have never closed one. We work only with lenders who actually understand modular and manufactured home loans.
We introduce you to lenders experienced in land-and-home packages so you know your real budget before you shop.
Whether you already own your land or need to buy it, financing can typically roll the land, site work, and home into one loan.
Many loans start as a short-term construction loan and convert automatically to a standard mortgage once your home is set and inspected.
You close once, with the same protections and rate options as a traditional site-built home mortgage.
Our lender & broker network
We've built relationships with land brokers, realtors, and lenders across Middle Tennessee who understand modular financing — so you're not the one explaining your loan type to someone hearing about it for the first time.
Don't have land yet? We can also connect you with brokers who specialize in buildable lots across our service counties.
Common questions
Yes. Because they're built to the same codes as site-built homes and set on a permanent foundation, most modular homes qualify for conventional, FHA, and VA loans.
Manufactured homes have their own loan programs, including FHA Title I and II options, and can qualify for a mortgage when permanently affixed to owned land. We'll match you with a lender who knows which program fits.
No. We can help you finance land and home together, or work with land you already own.
It varies by site and financing, but most families move from pre-qualification to move-in within a few months once a home is selected.
Wondering what you'd actually qualify for?
We'll walk you through it before you talk to a single lender.
D3 Homes connects Middle Tennessee families with quality modular and manufactured housing — from site to move-in day.
Montgomery · Cheatham · Robertson
Williamson · Rutherford · Wilson · Sumner