Finance Modular Home
Staged financing for a smoother build
Setting new standards in modular home construction. Request a quote today.
Financing Solutions for Your City Modular Buildings Inc. Home
At City Modular Buildings Inc., we are committed to making the modular homeownership and finance journey seamless, from design to delivery. As part of this commitment, we have partnered with Uptown Financial Mortgages, a trusted mortgage brokerage specializing in modular home financing. Together, we provide tailored finance solutions to help homeowners secure the right funding for their modular home investment.
Tailored Financing for Modular Homes
Financing a modular home differs from traditional mortgages, requiring a structured approach that aligns with each stage of the construction process. Through our partnership with Uptown Financial Mortgages, clients have access to flexible financing solutions, including staged funding that ensures funds are available at key milestones; such as land acquisition, factory completion, and final on-site installation.
Seamless Mortgage Transition
Once the modular home is built and installed, financing transitions into a long-term mortgage with competitive rates and flexible terms. Uptown Financial Mortgages works closely with our clients to ensure financing is structured efficiently, minimizing delays and simplifying the homebuying experience.
With City Modular Buildings Inc. and Uptown Financial Mortgages, financing your modular home is easier than ever.
Ready to Finance Your Modular Home?
At City Modular Buildings Inc., we’ve partnered with Uptown Financial Mortgages to provide seamless financing solutions tailored for modular homes. Whether you’re exploring options, ready to apply, or need expert guidance, we’re here to help.
Learn More About Financing:
Get in-depth details about modular home financing through Uptown Financial Mortgages.
Have Questions? Contact Us!
Financing a modular home is simpler with the right support.
Our team is here to answer your questions, explain options, and guide you through the process with clarity and confidence.
Start Your Mortgage Application
Start your application today and take the first step toward modular home ownership. With expert support and a seamless process, your future home is closer than you think.
What We Build
Modular Homes / Cottages
Design-forward, CSA-approved homes built in a controlled facility and delivered to your lot; faster timelines, predictable pricing, and energy-efficient performance with contemporary finishes, ready for Ontario living.
Laneway Homes
Unlock underused space with a code-compliant suite for rental income or family living. We handle feasibility, permits, and fast off-site build; then deliver and install a high-quality unit with minimal disruption.
Garden Suites
Fully detached backyard homes with their own kitchen, bath, and bedroom(s); perfect for multigenerational living or rental income. Built off-site for speed and quality, delivered and installed with minimal disruption and Ontario bylaw compliance.
Financing options we can help you explore
Every project is different, so we help you compare financing paths that fit your timeline and budget. Here are common options we can explore together:
- Construction / progress-draw mortgages (convert to standard mortgage at completion)
- Purchase-plus-improvements (when buying land or a home to replace)
- Refinance / HELOC (leverage existing equity to fund a build)
- Special programs (where available) for secondary suites and energy-efficiency upgrades
We’ll introduce you to lenders familiar with modular homes and provide the documentation they need: signed quote, timetable, factory schedule, and inspection milestones.
Budget planning essentials
A solid budget makes the whole build smoother. Use these essentials as a quick checklist when planning your modular project.
- Down payment: typically 10–20% depending on lender and program
- Contingency: set aside 5–10% for site conditions or owner upgrades
- Insurance: course-of-construction + final home policy
- Timeline: factory lead time + on-site installation and inspections
Dialing in these numbers early keeps financing on track and prevents surprises during production and install.
Frequently Asked Questions
Are modular home prices fixed?
Your quote is itemized and locked once plan, finishes, and site scope are confirmed. Any changes are approved in writing.
Is financing different for modern modular homes vs. traditional builds?
The mortgage products are similar; the key difference is progress draws timed to factory and site milestones.
Can I get pre-approval before picking a plan?
Yes, pre-approval helps set a comfortable budget while we refine design and site scope.
Talk to a modular specialist about your lot, permits, and timelines.
