Make the numbers work — without surprises.
Cash is easiest for speed and simplicity. Prefer to finance? Choose unsecured (Express/Renofi) or a traditional mortgage. We’ll give you clear, line‑item pricing and walk you through exactly what to expect.
How Financing Works
1) Apply online
2) Get matched
3) Review offers
4) Move forward
Pre-approval checklist (fast)
Have these handy and you’ll cruise through approvals.
Basic info
Government ID, SSN (for lender only)
Income docs
Recent pay stubs or proof of income
Bank info
Statements (and proof of funds if paying cash)
Credit range
An estimate is fine; lender will verify
Land details
Address/GPS pin or note “shopping for land”
Co-applicant (optional)
If using a co-signer
Cash vs. Unsecured Finance vs. Traditional Mortgage
Pick what fits you best. Either way, you’ll always see the numbers up front.
Preferred
Cash Purchase: Simple & Direct
- Fastest path: fewer steps
- No lender delays
- Proof of funds
- Deposit at contract
- Final payment at delivery/acceptance
Unsecured Finance: Express & Renofi
- Express: 600+ credit, up to $100K
- Renofi: 700+ credit, up to $500K
- Process: Pre‑approval → formal approval → closing
- We provide specs/quote for your lender
Traditional Mortgage: Keystone Mortgage
- Bundle land + home with long‑term repayment
- Standard underwriting & documentation
- Potentially lower rates vs unsecured loans
- We coordinate specs, quotes, and insurance info
Transparent pricing & inclusions (no surprises)
When you choose your model and selections, we send a line‑item proposal with clear inclusions/exclusions and a change‑order policy.
Included in your quote
- Base model with chosen selections & finishes
- Delivery, set, and anchoring of the home
- Orientation and warranty documents
Clearly noted (if applicable)
- Site prep, foundation/pad, driveway improvements
- Utility trenching/stubs to the set location
- Permits/HOA approvals handled by owner/contractor
Good to know
- We’re not a lender. Rates, terms, and approvals are set by your lender.
- No surprises. Quotes include clear inclusions/exclusions and an expiry date.
- Change orders. Any scope changes are priced and approved in writing first.
- Timeline. Most journeys take 3–6 months from contract to delivery, depending on site readiness and scheduling.
Financing FAQs
Can I use land equity?
Many lenders consider land equity as part of your overall profile. Your lender will give specifics for your situation.
Do you offer in‑house financing?
We partner with trusted lenders. We’ll share your quote and specs so they can process your application quickly.
How fast can I get a decision?
Pre‑approvals can be quick once your info is complete. Formal approval depends on your lender and file complexity.
What’s the best path for me?
Book a quick call. We’ll match your goals, budget, and timeline with the right model and funding path.
Projects That May Qualify
- Tiny homes & ADUs: right‑sized living with real comfort.
- Sheds & outbuildings: storage, studio, or backyard office.
- Foundations & driveways: prep and access for your home.
- Interior updates: cabinetry, finishes, and more.
Final approval, terms, and eligible uses are determined by the lender during application.
What to Expect
- Simple online application via our partner
- Multiple lending options matched to your project
- Clear next steps and communication
- Transparent terms from the lender