Funding Your
Modular Jamaica Home
Navigating mortgages in Jamaica doesn't have to be a headache. Whether you're using NHT, a bank loan, or cash, we simplify the process so you can focus on building your legacy.
Three Clear Pathways to Ownership
We accept all major forms of financing. Choose the route that best fits your financial goals.
NHT Mortgage
The National Housing Trust provides the most accessible financing for Jamaican contributors.
- ✓Up to $7.5M JMD per contributor (Single)
- ✓Up to $15M JMD for joint applicants
- ✓Lowest interest rates (0% - 4%)
- ✓Can be combined with other bank loans
Bank Mortgage
Partnering with major financial institutions for larger loan amounts and flexible terms.
- ✓Loans up to 90% of home value
- ✓Terms up to 30 or 35 years
- ✓Competitive interest rates (~7.5% - 8.5%)
- ✓Bridge financing options for construction
Cash / Frame-Only
Direct payments for those who prefer to build debt-free or use private investment.
- ✓50% deposit to start fabrication, balance at milestones
- ✓No mortgage insurance required
- ✓Faster processing (no bank approvals)
- ✓Frame delivery: 1–2 weeks including transit
Mortgage Calculator
Adjust the sliders to see how different loan terms and interest rates affect your monthly commitment.
*Estimates only. Does not include property tax or insurance.
NHT primary: 2% from $6.5M, contributor: 4%. Bank: 7–8%. Cash/Frame-Only: 50% deposit.
NHT Eligibility Checker
Quickly verify if you qualify for the National Housing Trust benefits to fund your 2026 Vision home.
Are you a current NHT contributor?
You must have contributed for at least 52 weeks total.
- Home Structure
- Foundation & Septic
- Land Preparation
- Permits & Legal
- Transport & Crane
Transparency First.
Know Where Every Dollar Goes.
Many builders quote a low base price but hide the site work costs. At Modular Jamaica, we help you budget for the Total Project Cost so there are no surprises.
The "Turnkey" Price
Includes the fully finished home, kitchen, bath, flooring, and paint.
Site Costs (Variable)
Foundation, septic tank, and utility connections depend on your specific land.
Logistics
Transporting the modules to your site and crane rental for installation.
How to Secure Your Financing
Follow these four steps to go from inquiry to approval. Click each step to see the full details and required documents.
Resources & Downloads
Everything you need to get your paperwork in order.