Financing — United States
Tiny home financing in the USA — in order, in plain language.
Financing follows certification. Because third-party certification through NOAH is written into every KYRAX build contract, a US lender has something real to lend against on a movable unit; IBC/IRC modular on a foundation follows the standard mortgage path. Here’s each one, step by step.
Path A — Movable (RVIA / NOAH)
Chattel and RV lending, NOAH-recognized
Third-party NOAH certification is recognized by US lenders and insurers — it’s the difference between “trailer” and “asset.”
Apply with a chattel or RV lender; the NOAH certificate and build documentation support the application.
Titling and registration vary by state — we confirm yours before contract.
Path B — Modular (IBC/IRC)
The mortgage path
Built to IBC/IRC 2021 with your state’s modular program insignia — real property on a foundation.
Conventional mortgage lending applies; your lender sees a code-built house, because it is one.
We confirm the state program and reciprocity before we promise anything.
Your future rent can help you qualify
Fannie Mae’s 2025 guideline change now allows projected rental income from an accessory dwelling unit to count toward mortgage qualification — up to 30% of qualifying income — and detached factory-built ADUs are eligible. In plain terms: the suite you’re financing can help you afford the loan that builds it. We map exactly how at your consultation.
What lenders will ask for
Certification record for your unit · Signed build quote · Land or pad status · Your KYRAX documentation package — assembled for you, not by you
What we won’t do
Publish rates we can’t verify · Promise approval — that’s your lender’s call · Let you sign before financing and placement both make sense
Get the financing guide
The full US walkthrough — NOAH lender recognition, chattel steps, state titling notes — in one PDF.
Buying in Canada? See tiny home financing in Canada
Bring your numbers to the call. We’ll tell you honestly if they work.
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