Making Your Modular Dream Affordable
Multiple flexible financing options to fit your budget and timeline. Pre-qualify in minutes with Hearth or explore cash payment plans.
Your Financing Options
Construction Loans
Traditional construction financing for homes and projects. Borrow the full amount upfront, pay interest during construction, then convert to a mortgage.
- ✓ Full financing available
- ✓ Flexible terms (5–30 years)
- ✓ Competitive rates
- ✓ Covers design to completion
Cash Payment Plans
Flexible payment schedules tied to project milestones. Pay as we build, with transparent phase-based breakdowns.
- ✓ Phase-based payments
- ✓ No interest on deferred payments
- ✓ Clear milestone breakdowns
- ✓ Perfect for self-funded projects
Home Equity / HELOC
If you own a home with equity, a HELOC or home equity loan can fund your modular project at competitive rates.
- ✓ Lower interest rates
- ✓ Flexible draw schedule
- ✓ Tax advantages
- ✓ Works for ADUs & investments
Construction Financing with Hearth
We partner with Hearth, a leading construction financing platform that specializes in modular and custom homes. Hearth makes it fast, transparent, and easy to finance your SaltGrass project.
Best for projects under $100,000 — pools, food-truck builds, ADUs, and smaller container homes. For larger projects we'll point you to construction-loan options.
How It Works:
- 1. Pre-qualify online (takes ~5 minutes)
- 2. Get a pre-approval letter
- 3. We finalize specs and cost estimate
- 4. Hearth funds project phases as we build
- 5. Convert to permanent mortgage after completion
Hearth Advantages:
- ✓ Fast pre-qualification (same day)
- ✓ Up to 100% financing available
- ✓ Competitive rates for qualified buyers
- ✓ Transparent, no hidden fees
- ✓ Supports modular-specific lending
Ready to explore construction financing?
Pre-Qualify with Hearth →Note: Hearth is a third-party lender. Pre-qualification and approval are subject to their underwriting standards. SaltGrass can recommend local lenders and help coordinate financing conversations.
Cash Payment Plans
If you're self-funding, our phased payment plan aligns with our construction stages. Pay as we build—no interest, no hidden costs.
Container Homes & Custom Builds
| Milestone | Payment |
|---|---|
| Design & Permitting (Discovery → Design Approval) | 30% |
| Fabrication Start (Foundation Ready → Fabrication Complete) | 30% |
| Delivery & Installation (Modules Delivered → Installation Start) | 30% |
| Final Handoff (Systems Complete → Move-In Ready) | 10% |
Example: $300,000 home = $90K design, $90K fabrication, $90K delivery/install, $30K final.
Modular Pools
| Milestone | Payment |
|---|---|
| Design & Permitting | 50% |
| Fabrication Complete | 25% |
| Delivery & Installation Start | 20% |
| Final Completion & Permit Sign-Off | 5% |
Example: $50,000 pool = $25K design, $12.5K fabrication, $10K delivery/install, $2.5K final.
Financing FAQs
What credit score do I need?
Hearth typically requires a minimum 620 credit score, though 700+ qualifies for better rates. Traditional construction lenders may have similar requirements. Ask us about alternative programs if your score is below 620.
Can I get 100% financing?
Yes, up to 100% of the project cost is available through some programs, especially if you have significant equity or strong credit. Most loans require 10-20% down. We'll help you understand your options during the Discovery phase.
How long does approval take?
Hearth pre-qualification happens in days. Full approval depends on appraisal and underwriting—typically 2-4 weeks. We manage the coordination to keep your project on schedule.
What if I'm financing an investment property or ADU?
Investment financing has different terms, but Hearth and other lenders support ADU and rental projects. Tell us during Discovery and we'll connect you with the right programs.
Do you offer discounts for cash deals?
Our pricing is transparent and not dependent on financing method. Cash deals don't receive a discount, but you do get the benefit of faster project completion with no lender contingencies.
Can you recommend local lenders?
Absolutely. We work with several local Oklahoma lenders and can provide referrals. We can also facilitate conversations between you and your chosen lender to explain the modular process and timeline.
Ready to Talk Financing?
Dylan and the SaltGrass team are happy to discuss financing options tailored to your situation. No pressure, just honest guidance.