Financing
Start with the selected model, a property-specific proposal, and the payment schedule. Your lender can then review the full scope and confirm whether the loan can fund each stage.
The payment schedule
| Stage | Terms | Notes |
|---|---|---|
| Project review & proposal | Free | Initial model and property review, with next steps toward a written proposal. |
| Permitting | Service fee upfront, permit fees at completion | Covers our specialists assembling and filing your permit package. |
| Factory production | 25% deposit · 75% at completion | Typically 2 to 3 weeks once production begins; queue, site work, and approvals are separate. |
| Delivery & setup | 50% deposit · 50% at completion | Site prep, foundation, delivery, and utility connections. |
Your signed agreement controls the payment amounts, milestones, and included work. Before you pay a production deposit, get your lender to confirm in writing how it will fund the factory deposit and the completion payment due before delivery.
Pricing transparency
Appliances are not included in the base price. You can purchase our appliance package or provide your own.
Starting price is for the home unit only and excludes appliances, delivery, installation, permitting, and site work. Appliances are not included in the base price — you can purchase our appliance package or provide your own. Final project pricing is based on your specific property and selections.
Ways to pay
Compare these options with a lender based on your property, budget, and payment timing. Our guide explains the questions to ask.
Compare using savings with the costs and repayment terms of a HELOC or home-equity loan. Equity loans require approval and are secured by your home; HELOC rates are usually variable.
Programs such as FHA 203(k), Fannie Mae HomeStyle, and Freddie Mac CHOICERenovation can finance eligible improvements through a mortgage. Rules differ for existing, proposed, attached, and detached ADUs.
Construction funding followed by permanent mortgage financing. Closing structure and draw requirements vary. Have the lender approve the factory payment schedule before committing to production.
Replace an existing mortgage with a larger loan to release eligible equity. Compare the new rate and term on the whole mortgage, closing costs, monthly payments, and total borrowing costs.
An unsecured loan may cover part of the project. Compare the offered amount, fees, repayment term, and monthly payment; approval, rates, and funding speed depend on the lender and borrower.
Ask about financing eligible land and construction costs together. The lender must confirm the property use, modular home, included site work, and path to permanent financing.
Check current program details directly with Fannie Mae, Freddie Mac, and HUD.
Lending partners
We don’t offer in-house financing, but we’ve connected customers with lenders who understand modular construction, ADU appraisals, and our milestone payment schedule. Start with a loan officer who has done this before.
How buyers finance a Wolf home or ADU, and the lenders who understand modular construction.
Wolf’s longest-standing lending partner
Loan officer: Dan Huegel
Modular-specific construction lending
Loan officer: Terri Montana
Equity-based and one-time-close options
Loan officer: Susan Stotler
Construction and renovation lending across the Western states
Loan officer: Jamie Tillotson
Wolf Industries is not a lender, mortgage broker, or financial advisor. The lenders listed are independent third parties; Wolf does not guarantee approval or terms and is not responsible for their products or services. Loan programs, rates, and officer assignments change — confirm current details directly with the lender.
Questions
Start with your property and project budget
A free property review helps identify the model, site requirements, and further checks needed for a written proposal your lender can review.
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