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Modular Home Loans

  1. Pre-qualification
  2. Application
  3. Appraisal
  4. Disbursement Schedule
  5. Initial Settlement
  6. Construction
  7. Rate Lock
  8. Modification

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Locking Your Modular Home Loan Interest Rate

The rate lock is the formal acceptance of the loan interest rate for your prefab house mortgage. The rate will determine your monthly house payment. If you lock your rate and the rate drops, banks might adjust the interest rate. Before closing ask if the rate lock can be adjusted. If interest rates go up, you will be protected from a higher modular home mortgage.

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