
Residential
Mortgage and Financing for a Modular Home in Quebec
How to finance a modular home in Quebec: mortgage conditions, mobile home differences, construction loan, CMHC, and pitfalls to avoid before signing.
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How to finance a modular home in Quebec: mortgage conditions, mobile home differences, construction loan, CMHC, and pitfalls to avoid before signing.

Since May 2026, CMHC's Prefab Plus insures the purchase of a prefabricated home with 5% down and up to four staged advances. What changes, and what doesn't.

How to finance a modular home in Quebec: staged draws, construction loan, and when it converts to a permanent mortgage.