{"id":10667,"date":"2026-10-17T23:31:58","date_gmt":"2026-10-17T21:31:58","guid":{"rendered":"https:\/\/casa-industrializada.com\/mortgage-for-a-prefabricated-home\/"},"modified":"2026-10-19T15:06:19","modified_gmt":"2026-10-19T13:06:19","slug":"mortgage-for-a-prefabricated-home","status":"publish","type":"page","link":"https:\/\/casa-industrializada.com\/en\/mortgage-for-a-prefabricated-home\/","title":{"rendered":"Mortgage for a prefabricated home"},"content":{"rendered":"\t\t
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Home<\/a> \u203a Guide<\/a> \u203a Mortgages and Financing<\/p>\n

Funding<\/p>\n

Mortgage for a Prefab Home<\/em>: How to Finance It<\/h1>\n

A prefabricated steel house anchored to its foundation, with a building plan and permit, is a home just like any other, and can be financed with a mortgage. The most common type is a self-builder mortgage, which the bank disburses in installments as construction progresses. <\/p>\n

Request a Quote<\/a>How it works<\/a><\/div>\n <\/div>\n
\"Completed
Turnkey home in Vilanova de la Barca (Lleida)<\/figcaption><\/figure>\n<\/section>\n
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First of all<\/p>

When Can You Get a Mortgage<\/em> on a Prefabricated House?<\/h2>

The bank will only provide a mortgage for a single property. A StarModul home qualifies as such when it meets the same requirements as a conventionally built home: <\/p><\/div>\n

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<\/path><\/path><\/svg><\/span>Anchored to the ground<\/h3>

The structure is attached to a permanent foundation: a slab, footings, or a crawl space. It is not a module on wheels or a mobile home. <\/p><\/div>\n

<\/path><\/path><\/svg><\/span>With a project and a license<\/h3>

Architect's plans and building permit from the city. See the permit guide<\/a>. <\/p><\/div>\n

<\/path><\/path><\/svg><\/span>On land where construction is permitted<\/h3>

Banks usually require that the land be registered in your name, free of encumbrances, and located on urban or developable land. If your lot is rural, see \u201cHouse on Rural Land<\/a>.\u201d <\/p><\/div>\n

<\/path><\/path><\/svg><\/span>Eligible for Registration<\/h3>

Upon completion, the new construction is declared before a notary and registered, along with the certificate of occupancy or the first-occupancy permit.<\/p><\/div>\n <\/div>\n <\/div>\n<\/section>\n

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Self-builder Mortgage<\/p>\n

How a Self-Build Mortgage<\/em> Works<\/h2>\n

This is a mortgage for people who are building their own home on land they already own. Unlike a home purchase mortgage, the money is not disbursed all at once: <\/p>\n