Quick answer: Yes. Fannie Mae has said lenders should treat 3D printed homes under the same rules as site-built homes, and major lenders now offer programs for printed homes. Most Florida buyers building on their own lot use a construction-to-permanent loan. For insurance, printed concrete homes are rated on construction type and wind mitigation features like other homes, so get quotes early.
Last updated: November 2026 · Written by the Miniopolis LLC team (Florida State Certified General Contractor CGC1531810)
Mortgages
In 2023, Fannie Mae said lenders should follow the standard eligibility and comparable-sale rules for site-built housing when financing 3D printed homes. In 2026, Wells Fargo announced a mortgage incentive for buyers of homes built with ICON’s printing technology, a sign that big lenders are treating printed homes as mainstream. Because a printed home is permanently attached to a foundation and built to the Florida Building Code, it is financed as a site-built home, not as a manufactured home.
Construction Loans
If you are building on your own lot, a construction-to-permanent loan funds the build in draws and converts to a regular mortgage at completion. Our lending partner can help you get preapproved.
Appraisals
Appraisers compare a new home with recent nearby sales. Because printed homes are still new, appraisers may lean on comparable concrete block homes of similar size and quality. Clear plans, specs and the builder’s documentation help.
Insurance
Florida insurers price homes by construction type, roof, age, location and wind mitigation features. A new concrete home with an engineered roof system and impact openings can qualify for wind mitigation credits. Ask your agent for quotes during design so there are no surprises at closing.
Sources
- Inside Mortgage Finance: Fannie okay with mortgages for 3D printed homes (2023)
- The MortgagePoint: Wells Fargo mortgage incentives for 3D printed homes (2026)
Frequently Asked Questions
Can you get a regular mortgage on a 3D printed home?
Yes. Fannie Mae guidance treats printed homes under the same rules as site-built homes.
Is a 3D printed home considered a manufactured home?
No. A printed home built on a permanent foundation to the Florida Building Code is a site-built home.
How do I finance a 3D printed home on my own lot?
Most buyers use a construction-to-permanent loan that converts to a mortgage when the home is complete.
Talk to a Florida 3D Printed Home Builder
Miniopolis LLC is a Florida State Certified General Contractor (CGC1531810) based in Fort Myers that builds with 3D printed concrete, ICF and SIPs. See 3D printed homes in Florida, our press coverage, or call (239) 329-8804.