Mortgage Help Right Here
From first homes to refis, Ron’s here to guide you.
Build your manufactured or modular home with one loan.
Construction-to-permanent financing covers your land, your build, and your mortgage — with a single closing.
Building a manufactured or modular home usually means juggling two loans: one to build, another to pay it off. Ron does it with one.
Construction-to-permanent financing wraps your land, your construction costs, and your permanent mortgage into a single loan. You close once, before the build starts, so there's no second closing waiting for you at the finish line.
During the build, your payments are interest-only, so you're not carrying a full mortgage while your home is going up. Your regular monthly payments start once it's finished and ready to live in.
Already own your lot? Ask Ron about putting the value of your land toward your down payment.
Ask Ron about putting the value of your land toward your down payment.
Conventional construction-to-permanent
A strong fit if you've got solid credit and want a clear path from build to move-in. You can often put the value of land you already own toward your down payment, with fixed terms that keep your payment steady for the life of the loan.
FHA construction-to-permanent
Built for buyers who want more flexible credit requirements and a lower down payment. It's a popular starting point for first-time buyers and anyone who wants a little more room to qualify.
VA construction-to-permanent
For eligible veterans, active-duty service members, and qualifying surviving spouses. VA financing comes with no monthly mortgage insurance, and buyers with full entitlement can often build with little or no money down.
USDA construction-to-permanent
Designed for buyers in eligible rural areas, often with no down payment for those who qualify. Since manufactured and modular homes are a natural fit for rural land, it's worth a look. Ask Ron whether your location and income qualify.
You'll build with an approved builder, and Ron stays with you from the first draw to the final walk-through.
Ready to build? Let's talk.
Tell Ron about your home and your land, and he'll help you find the loan that fits.
Download Ron’s app and begin your refinance journey.
Get started
Stockton Mortgage NMLS 8259Equal Housing Lendernmlsconsumeraccess.orgFor refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. This website is not intended for California residents.(1) Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. Other restrictions and limitations may apply.Ron Gofourth is licensed in Alabama, Florida, Georgia, Mississippi, Tennessee, and West Virginia.
Locations
1 Riverchase Office Plaza, Suite 204, Building 1Hoover, AL 35244
2808 7th Ave. Suite 113
Birmingham, AL 35233
Contact
Ron Gofourth, NMLS 1367598
ronald.gofourth@stockton.com
Licensing
Mortgage Help Right Here
From first homes to refis, Ron’s here to guide you.
Build your manufactured or modular home with one loan.
Construction-to-permanent financing covers your land, your build, and your mortgage — with a single closing.
Building a manufactured or modular home usually means juggling two loans: one to build, another to pay it off. Ron does it with one.
Construction-to-permanent financing wraps your land, your construction costs, and your permanent mortgage into a single loan. You close once, before the build starts, so there's no second closing waiting for you at the finish line.
During the build, your payments are interest-only, so you're not carrying a full mortgage while your home is going up. Your regular monthly payments start once it's finished and ready to live in.
Already own your lot? Ask Ron about putting the value of your land toward your down payment.
Ask Ron about putting the value of your land toward your down payment.
Conventional construction-to-permanent
A strong fit if you've got solid credit and want a clear path from build to move-in. You can often put the value of land you already own toward your down payment, with fixed terms that keep your payment steady for the life of the loan.
FHA construction-to-permanent
Built for buyers who want more flexible credit requirements and a lower down payment. It's a popular starting point for first-time buyers and anyone who wants a little more room to qualify.
USDA construction-to-permanent
Designed for buyers in eligible rural areas, often with no down payment for those who qualify. Since manufactured and modular homes are a natural fit for rural land, it's worth a look. Ask Ron whether your location and income qualify.
VA construction-to-permanent
For eligible veterans, active-duty service members, and qualifying surviving spouses. VA financing comes with no monthly mortgage insurance, and buyers with full entitlement can often build with little or no money down.
You'll build with an approved builder, and Ron stays with you from the first draw to the final walk-through.
Ready to build? Let's talk.
Tell Ron about your home and your land, and he'll help you find the loan that fits.
Download Ron’s app and begin your refinance journey.
Get started
Stockton Mortgage NMLS 8259Equal Housing Lendernmlsconsumeraccess.orgFor refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. This website is not intended for California residents.(1) Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. Other restrictions and limitations may apply.Ron Gofourth is licensed in Alabama, Florida, Georgia, Mississippi, Tennessee, and West Virginia.
Locations
1 Riverchase Office Plaza, Suite 204, Building 1Hoover, AL 35244
2808 7th Ave. Suite 113
Birmingham, AL 35233
Contact
Ron Gofourth, NMLS 1367598
ronald.gofourth@stockton.com
Licensing
Mortgage Help Right Here
From first homes to refis, Ron’s here to guide you.
Build your manufactured or modular home with one loan.
Construction-to-permanent financing covers your land, your build, and your mortgage — with a single closing.
Building a manufactured or modular home usually means juggling two loans: one to build, another to pay it off. Ron does it with one.
Construction-to-permanent financing wraps your land, your construction costs, and your permanent mortgage into a single loan. You close once, before the build starts, so there's no second closing waiting for you at the finish line.
During the build, your payments are interest-only, so you're not carrying a full mortgage while your home is going up. Your regular monthly payments start once it's finished and ready to live in.
Already own your lot?
Ask Ron about putting the value of your land toward your down payment.
Conventional construction-to-permanent
A strong fit if you've got solid credit and want a clear path from build to move-in. You can often put the value of land you already own toward your down payment, with fixed terms that keep your payment steady for the life of the loan.
FHA construction-to-permanent
Built for buyers who want more flexible credit requirements and a lower down payment. It's a popular starting point for first-time buyers and anyone who wants a little more room to qualify.
VA construction-to-permanent
For eligible veterans, active-duty service members, and qualifying surviving spouses. VA financing comes with no monthly mortgage insurance, and buyers with full entitlement can often build with little or no money down.
USDA construction-to-permanent
Designed for buyers in eligible rural areas, often with no down payment for those who qualify. Since manufactured and modular homes are a natural fit for rural land, it's worth a look. Ask Ron whether your location and income qualify.
You'll build with an approved builder, and Ron stays with you from the first draw to the final walk-through.
Ready to build? Let's talk.
Tell Ron about your home and your land, and he'll help you find the loan that fits.
Download Ron’s app and begin your refinance journey.
Get started
Stockton Mortgage NMLS 8259Equal Housing Lendernmlsconsumeraccess.orgFor refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend. This website is not intended for California residents.(1) Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. Other restrictions and limitations may apply.Ron Gofourth is licensed in Alabama, Florida, Georgia, Mississippi, Tennessee, and West Virginia.
Locations
1 Riverchase Office Plaza, Suite 204, Building 1Hoover, AL 35244
2808 7th Ave. Suite 113
Birmingham, AL 35233
Contact
Ron Gofourth, NMLS 1367598
ronald.gofourth@stockton.com205.504.6823Licensing