The 18×42
2 Bed · 2 Bath · 756 sq ft
$131,000 starting
Also configurable as a 1-bedroom
See If It Fits My BudgetFinancing your Saddlebrooke home
See how much home
you can build.
Get a clear picture of your buying power for a Saddlebrooke home, with financing options designed for permanent modular construction.
- Soft credit inquiry
- No impact to your credit score
- Takes about 2 minutes
- No obligation
$119,000Homes from
500+Homes delivered
TX · OK · AR · LA4-state service area
Let's start with your project.
Answer a few quick questions so we can point you in the right direction.
Step 1 of 5
Takes about 2 minutes
Where are you planning to build?
What's your land situation?
Saddlebrooke builds on land you own and doesn't sell lots — but you can still get your financing picture started now, and we can refer you to real estate professionals in the region.
What size home are you considering?
How many bathrooms do you need?
What's your target total project budget?
A rough range is fine — this just helps us point you to the right plans.
Great. Let's see what your options look like.
Your details go straight to Fairway's secure pre-approval step.
Last step
See which of these you can finance.
You've got the plans that fit. Now find out what you can actually build — Fairway runs a soft credit check and comes back with your number.
- About 2 minutes
- Won't affect your credit score
- No obligation to build
By entering your contact information, you are providing express written consent for Fairway Independent Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
The complete picture
Finance more than just the house.
Your financing plan should account for the complete project, not just the home itself.
The home
Your Saddlebrooke modular home, built indoors in De Kalb, Texas.
Permanent foundation
A lasting foundation designed for your project and your land.
Eligible project costs
Site-specific items that may qualify, depending on the loan.
One complete project plan
Which costs can be included depends on your loan program, your property, and lender requirements.
Check My Buying Power
See what your complete project could look like.
Real plans, real prices
What could your budget build?
Every Saddlebrooke floor plan, with real starting prices. Answer the questions above and we'll show you the ones that fit.
The 16×52
2 Bed · 2 Bath · 832 sq ft
$131,000 starting
Also configurable as a 1-bedroom
See If It Fits My Budget
The 18×52
2 Bed · 2 Bath · 936 sq ft
$141,400 starting
Also configurable as a 1-bedroom
See If It Fits My Budget
Saddlebrooke Connect
3–9 Bed · 2–6 Bath · 1,578–5,120+ sq ft
$238,700 starting
See If It Fits My Budget
Starting home prices reflect the base home configuration shown. Site-specific work, foundation requirements, utility connections, permits, delivery distance, selections and optional upgrades may affect final project pricing.
The process
One financing path,
from construction to home.
A straightforward process with an experienced lending partner.
Get qualified
Quickly get an initial picture of your buying power with a soft credit inquiry.
Finalize your project
Choose your home and finalize project-specific details with your Home Expert.
Construction
Your Saddlebrooke home is built while your project moves toward completion.
Move in
Complete the lender's final requirements and move into your new home.
Loan programs
Financing options for different buyers.
Different borrowers and projects require different financing strategies.
Construction-to-Permanent
Designed to finance eligible construction costs and transition into permanent mortgage financing.
FHA
May offer flexible qualification and lower down-payment options for eligible borrowers.
VA
Financing options may be available for eligible veterans and service members.
USDA
May be available for qualifying borrowers and eligible rural properties.
Conventional
Traditional mortgage options may work well for qualified borrowers and eligible projects.
Not sure which one fits?
See My Options
You don't need to know before you start. Your lender can review your situation and explain which options you may qualify for.
From our homeowners
They've already made the move.
Real homeowners. Real homes. Real experiences.
"The team kept me updated on every detail and sent photos at every stage of the building process. I am completely satisfied — it is beautiful and very well built with quality materials. Truly a great choice and investment."
"We love our home. SaddleBrooke has amazing service after the sale — they called several times to check in, and any time we had questions they had someone here within 24 hours. Definitely recommend."
"From start to finish this company has been great. From planning to getting the house delivered — even fixing small issues after delivery — it has been nothing but a breeze. Couldn't ask for a better crew helping you make your dream come true."
500+Homes delivered
Permanent foundationsBuilt in De Kalb, Texas
TX · OK · AR · LA4-state service area
Lending partner
Financing through a lender who understands construction.
Saddlebrooke Homes is the builder. Financing is handled through Fairway Independent Mortgage Corporation, an independent lender experienced in construction and residential financing.
- Experienced with construction financing
- Understands permanent modular homes
- A straightforward lender handoff
FAQ
Questions before you start.
Quick answers to the questions buyers ask most.
Will checking my eligibility affect my credit score?
No. The initial pre-approval step uses a soft credit inquiry, which does not affect your credit score. A hard inquiry may occur later only if you choose to move forward with a full loan application.
How much money do I need down?
Down payment requirements vary by loan program, borrower qualification, the property, and the project. Some programs may allow lower down payments than others. Your lender will review your situation and explain what applies to you.
Can my land equity help with financing?
In many construction-to-permanent structures, equity in land you already own may be considered as part of the overall project financing. Whether it applies, and how, depends on the loan program, the appraisal, and lender underwriting.
What credit score do I need?
There isn't a single number. Credit requirements vary by loan program and by lender underwriting. The soft-pull step is designed to give you a realistic picture of where you stand without affecting your score.
Can I finance the foundation and site work?
Some site-specific costs may be included in eligible project financing, depending on the loan program, the property, and lender requirements. Your lender will confirm which costs qualify for your specific project.
Can I use VA, FHA or USDA financing?
Saddlebrooke homes may qualify for construction-to-permanent, conventional, FHA, VA, or USDA financing when the borrower, land, home, and project meet the lender's requirements. Your lender will confirm which programs you may be eligible for.
What if I haven't picked a floor plan yet?
That's completely fine — you don't need a final plan to start. Choose "Not sure yet" in the questions above, and a Home Expert will help you narrow it down based on your land, household, and budget.
What if I don't know my budget yet?
Also fine. Choose "Not sure yet." For many buyers, the pre-approval step is exactly how they figure out their range in the first place.
How quickly will I know what I may qualify for?
The soft-pull step itself is quick. How fast you get a fuller picture depends on the lender's review and any documentation they request from you.
Who actually provides the loan?
Saddlebrooke Homes is the builder, not a lender. Financing is provided through Fairway Independent Mortgage Corporation (NMLS#2289), an independent lender. All credit decisions, loan terms, rates, and approvals are made solely by the lender.
Your land. Your home. Your next step.
Stop guessing
what you can afford.
Find out what financing options may be available and which Saddlebrooke homes fit your project.
See What I Qualify For
Prefer to talk first? Call or text (903) 765-5710
- Soft credit inquiry
- No impact to your credit score
- No obligation