How To Get A Home Loan

Finding The Right Bank

Banks today are getting it.  Meaning they understand that a modular constructed structure is of the same quality as an on-site/stick built/traditional built structure.  The banks listed below have reached out to us wanting to share their modular loan process.  Be sure to check them out!

Apply for a Loan
NMLS ID# 410748


citizens bankModular Home Construction Financing

To find out more visit or contact Kevin Gentry at | Mail Code NYB 130
300 Airborne Parkway, Suite 130, Buffalo, NY 14225
716-572-5913 | Cell 844-468-4577 Fax


Farmersnbb  Top 5 Construction Loan Questions Answered

For more information about the mortgage process, visit or contact Melinda White at 844.226.7523.
Mortgage FAQs: 
Apply Online:


homesavings     1st Step in Securing a Home Loan

250 E. Wilson Bridge Rd., STE 150, Worthington, OH 43085  
Cell 614.506.8248  |  Fax 614.841.9745  |  NMLS# 288855
BIA, OHBA, NAHB Member: 2004-2011, 2016,17



Apply for a Loan
1-877-672-5678 (Option 3)
Loan Specialists ready to accept your loan application Monday - Friday, 7:00 a.m. to 8:00 p.m. & Saturday, 8:00 a.m. to 4:00 p.m.


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How To Get A Home Loan

I Want To Build A Home, But What Can I Afford?

If you are financing any part of your new construction, there are quite a few steps to take before calling a house your home. Specifically related to the finance of the new build, banks will look at two main things to determine the cost of home you are able to afford:

1. Current income

2. Current expenses

These two items will determine your overall debt-to-income ratio, or otherwise referred to as your “DTI”.

Your income will be calculated using your most recent pay statements. The bank will use your gross income (amount prior to taxes). It is required that the loan qualifies using normal income only, and not using any overtime, commissions or bonuses, as these are not guaranteed. You will need to provide recent pay statements as well as tax turns, including W2 forms, for last two years in order to prove the income is consistent.

Identifying your expenses is the second crucial step in financing a new home. Expenses that reflect on your credit report would include auto loans, student loans, credit cards, etc. The bank will also include any alimony or child support payments that are paid monthly. If you co-signed on a loan for another person, it will also be counted towards your debt.

Additional expenses such as utilities (electric, gas, water, sewage), daycare expenses, car insurance, phone/internet, etc. do not count towards your DTI; however, keep in mind that you will still need to be financially able make those payments on a regular basis. Maxing out your finances on your home is not suggested as it would limit your ability to pay for living expenses.

For more information about calculating your debt-to-income ratio or information about the mortgage process, please visit or contact Melinda White at 844.226.7523.

Mortgage FAQs:

Apply Online:

Equal Housing Lender, Member FDIC

About The Farmers National Bank of Emlenton:

The Farmers National Bank of Emlenton is an independent, nationally chartered, FDIC-insured community commercial bank headquartered in Emlenton, Pennsylvania, operating 17 full-service offices in Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, Mercer, and Venango Counties, Pennsylvania and Hancock County, West Virginia. The Bank is a wholly owned subsidiary of Emclaire Financial Corp (NASDAQ: “EMCF”). For more information, please visit the website at or call 877-862-9270.