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Hapi Homes

Financing your Hapi Home

Enjoy a worry-free purchase process with Renofi financing

At Hapi Homes, we believe that financing your dream modular home should be a seamless and stress-free experience. That’s why we offer a range of financing options to suit your individual needs. Whether you’re looking to leverage your existing equity or explore other financing avenues, we have solutions to help you make your Hapi Home a reality.

Ways to finance your Hapi Home:

RenoFi Loans are the best of both worlds. Like a construction loan, the homeowner can borrow based on the after-renovation value and thus unlocks significant borrowing power, BUT, it’s in the form of a Home Equity Loan so it doesn’t require the homeowner to refinance their existing mortgage. No one is going to give up their 3% rate to go into a 7% mortgage.

Additionally, 100% of the funds are available to the homeowner at closing, there are no draws or inspections like there normally would be with a construction loan. No headaches for you, no delays in getting paid. 

The financing comes from Credit Unions and thus the rates and fees are as competitive as any homeowner could possibly find. Loan product options for ADUs projects of all sizes.

Homeowners can borrow up to $500,000 leveraging the future value of homes post-renovation (up to 90% after-renovation loan-to-value). Future rental income can be considered too.


Cash Out Refinance:

An option for homeowners with significant equity in their property. By refinancing, you can access the equity built in your home to finance your Hapi Home.

HELOC (Home Equity Line of Credit):

Another option for homeowners with significant equity in their property. A HELOC allows you to borrow against the equity in your home, providing the funds needed for your Hapi Home.

Construction Loan:

Commonly used by homeowners planning to rent out their ADU, but also a potential fit for owner-users. A construction loan provides the financing needed during the construction phase of your Hapi Home.


For those looking to invest in their property without using financing, paying in cash is a straightforward option. This allows you to make a direct investment in your Hapi Home.

No Payment Equity Loan:

This option caters to investors who request no monthly payment for 10 years, with a small equity share for repayment in 10 years. It provides an alternative financing solution for specific investment scenarios.

Chat with Renofi today

Francie Franks
Market Manager

NMLS ID: 2188127

RenoFi (NMLS ID: 1802847)

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Getting started with a Hapi Home couldn’t be any easier. With a wide range in price and aesthetics, we never compromise on quality or design, and our clients love that our homes are delivered in 12 weeks or less.

With concierge-level service from the blueprint to delivery, you have a dedicated Hapi Home expert with you every step of the way.