One Trust Home Loans serves 48 US states with a variety of lending products. They offer both construction and lot loans that are well-suited for individuals looking to secure financing for a new prefab or modular home build. While project requirements and buyer qualifications may vary, the maximum loan amount is about $3,000,000.

All construction loans are made directly to the borrower. They offer single-close loans so borrowers receive a loan from One Trust to finance the construction of their home and then, when the home is completed, the loan converts into a permanent mortgage. Purchase of the lot and the vertical construction can close simultaneously. Loans can be combined such that borrowers only have a one-time close for everything, although two-time close construction loans are also popular.

One Trust construction loans utilize 5-7 draw cycles with inspections at each phase of construction. Borrowers usually have interest-only payments during construction. Down Payments can be as low as 5%.