Flexible Financing for Your Modular Home Dream
Check Out Our Financing Partners
20+ Years Experience
Trusted Financing Partners to Bring Your Modular Home to Life
At Cutting Edge Homes, we know that financing your dream home is a big step — and we’re here to make it easier. That’s why we partner with two trusted lenders who specialize in modular home loans, offering flexible financing options tailored to your needs. Whether you’re looking for help with the mortgage process or need a construction loan for your modular home project, you’ll have expert support every step of the way.
Cat Totty
Cat is a seasoned mortgage professional with over 20 years of experience in banking and lending. Known for her personal, relationship-first approach, she truly listens to clients—understanding their goals, stories, and challenges—to tailor loan solutions that help them achieve their dreams. Whether you’re a first-time buyer, refinancing, building, or renovating, Cat prioritizes clarity, communication, and a smooth, human-centered process.
Cardinal Financial Company Loan Originator | NMLS 919528
Thomas Coronato
Tom brings 25+ years of construction lending and modular finance experience, including leadership roles and board positions with MHBA and the System Built Housing Council . Based out of New Jersey/Wyoming, he leads CalCon’s national construction lending division, offering tailored financing solutions—from pre-curbside factory draws to site-work and permanent mortgages. A top performer and trusted advisor, Tom is dedicated to guiding builders and homeowners through the complexities of modern modular home projects.
CalCon Mutual Mortgage SVP, Construction Lending | NMLS # 404587
Understanding How Modular Home Financing Works
Financing a modular home isn’t just about getting a mortgage — it’s about understanding the full process from start to finish. At Cutting Edge Homes, we help you navigate each stage, working with specialized lenders who understand the unique timeline and requirements of modular construction. Here’s a clear look at how the financing journey typically works.
- Construction Loans for Modular Homes:The financing process often starts with a construction loan, which covers the cost of building your home — including land preparation, factory construction, and on-site installation. These loans release funds in stages, ensuring each phase is funded as milestones are completed.
- Transitioning to a Modular Home Mortgage:Once your modular home is fully built, delivered, and installed, it’s treated as real property. At this stage, the construction loan is typically converted into a permanent mortgage, just like a traditional home loan, with long-term repayment terms.
- Modular Home Loans — An Umbrella Term:When you hear terms like modular home loans, it usually refers to the full financing package — covering both the construction phase and the permanent mortgage. Some lenders offer construction-to-permanent loans, which combine both steps into a single streamlined product.
