Lower Mortgage - Fannie Mae modular home financing
    Get Connected

    Building Together.
    Start to Finish.

    We bridge the gap between modular home buyers, dedicated builders, and premier manufacturing facilities to deliver a seamless construction financing experience.

    For Buyers

    We guide you through the entire process—from securing land and choosing a modular floor plan to closing your one-time construction loan with confidence.

    Buyer Guidelines

    For Builders

    We provide a reliable in-house financing solution, ensuring predictable draw schedules, streamlined paperwork, and faster project kick-offs.

    Builder Program

    Modular Partners

    We collaborate directly with top modular home manufacturers to align delivery timelines, ensure property compliance, and eliminate financing delays.

    Partner With Us

    The Complete Resource Ecosystem

    Building a home takes a village. We don't just provide the loan; we connect the dots. By aligning buyers, builders, and modular factories under one unified financing plan, we remove the friction from ground-up construction.

    Unified Process

    One team managing land acquisition, factory deposits, and final installation.

    Direct Factory Alignment

    Coordinating draw schedules directly with modular manufacturers.

    Marco Garofalo

    Loan Officer | NMLS #1735567

    Marco Garofalo is a dedicated Loan Officer specializing in modular and home construction loans. With extensive experience in the industry, Marco Garofalo understands the unique financing needs of modular home buyers and builder partners. Marco Garofalo is committed to providing a seamless, transparent, and efficient One Time Close Construction Loan experience, ensuring your dream home becomes a reality without the typical financing headaches.