Your key to homeownership starts here!
Financing a manufactured or modular home can be unique—we get that! Whether you're just starting to plan or ready to break ground, AbbyBank's Future Keys Home Program is designed to simplify the process with personalized service, trusted local expertise, and competitive construction loan rates to support your goals.
This program is available for modular or manufactured homes that will be your primary residence and built on a finished, permanent foundation in Clark, Marathon, or Taylor County, Wisconsin. Plus, when you refinance into a long-term mortgage with AbbyBank, you'll receive a $500 closing cost credit when you have an AbbyBank checking account and direct deposit established and active before your end loan closes. This offer is available for construction applications submitted by December 31, 2025.
Let's build your future together! Connect with our team to explore your options—apply online, call us, or visit your local AbbyBank branch to get started.
Ready to apply?
Applying online gets you one step closer to pre-approval—and your new home.
Have questions? We're here to help!
Whether you're ready to apply or just starting to explore your options, our team is ready to assist you.
5.500% Rate | 6.085% APR¹
Competitive construction loan rate for manufactured and modular homes with up to 9-month term.
Construction Loan for Modular & Manufactured Homes
Must be your primary residence and built on a permanent foundation.
$500 End-Loan Closing Cost Credit¹
Earn a closing cost credit when you refinance into a long-term mortgage with AbbyBank after construction.
Available In These WI Counties
For manufactured & modular homes in Clark, Marathon, or Taylor County, WI.
Local Lending Expertise
Personalized service from loan professionals who know your community.
AbbyBank Checking with Direct Deposit
Enjoy the convenience of banking with us and saving $500 on your end-loan closing costs!
Construction Loan Example
Example based on a $200,000 loan with 10% down and 9-month term.
Interest-only payments for 8 months.
Final balloon payment:
$200,947.22
$200,947.22
Affordability Guide
How much home can you afford?
Use the 28% rule: Your total monthly housing costs, including principal, interest, taxes, and insurance (PITI), should not exceed 28% of your gross monthly income.
| Annual Income | $30,000 | $40,000 | $50,000 | $60,000 | $75,000 | $100,000 | $125,000 | $150,000 |
| Max Monthly Payment | $700 | $933 | $1,167 | $1,400 | $1,750 | $2,333 | $2,917 |
$3,500
|
We're Here to Help
Meet your local mortgage lenders.
At AbbyBank, we believe building your dream home should be exciting—not overwhelming. Our local mortgage lending team understands the unique steps of financing a modular or manufactured home and is here to support you at every step, from pre-approval to move-in day.
Community ResourcesSupport homebuyers in your area.
We understand how important it is to provide trusted, local financing options—especially for those building modular or manufactured homes. That’s why we created a flyer you can download and share to help homebuyers in Clark, Taylor, or Marathon Counties learn about our Future Keys Home Program, which features a competitive construction loan rate and a $500 closing cost credit.Download Future Keys Program Flyers
(12.1 MB PDF)
What to Know
Common Questions
What documents will the bank ask me for?
When applying for a mortgage loan, AbbyBank usually asks for the following information during the application process:
- Your Social Security Number
- Current pay stubs or, if self-employed, your tax returns for the past two years
- Bank statements for the past two months
- Investment account statements for the past two months
- Retirement account statements for the past two months
- Credit card account information
- Auto loan account information
- Personal loan account information
If you currently own Real Estate, we will usually also ask for the following information in addition to the information above:
- Mortgage account information
- Home insurance policy information
- Home equity account information (if applicable)
For more questions about what AbbyBank may ask for, please contact an AbbyBank mortgage loan officer.
I’ve never built a home before—where do I start?
Building a home can feel overwhelming at first, but we’re here to help guide you through it. A great place to start is understanding the key steps involved, from planning and budgeting to choosing your builder and getting pre-approved. Check out our new home construction checklist for a simple overview of what to expect and how to get started.
NEXT Up
There’s more to discover!
AbbyBank is a full-service financial institution with Wisconsin locations in Abbotsford, Appleton, Gresham, Medford, Shawano, Wausau, Weston and Withee.
1APR=Annual Percentage Rate, based on a $200,000 loan. Offer available to qualified borrowers for the construction of a primary residence using a manufactured or modular home attached to a finished, permanent foundation in Clark, Marathon or Taylor County, WI. Owner-occupied homes only. Not valid for second homes, investment properties, or refinances. All loans are subject to credit approval, clear title, and a loan provides short-term financing for up to 9 months; interest accrues only on disbursed funds. No early prepayment penalties. Normal closing costs apply, including but not limited to: appraisal, title insurance, recording loan administration, closing and flood determination fees. To receive the $500 closing cost credit, borrower must have an AbbyBank checking account with direct deposit established and active prior to the permanent loan closing. Limit one coupon per qualifying household. Offer valid for construction applications submitted by December 31, 2025. Terms and conditions are subject to change at any time without notice. Other restrictions may apply. Example payment schedules do not include property taxes or insurance premiums.