Modular Homes | Modular Home Mortgages - Modular Homes Network
 

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Modular homes and traditional homes? What are the differences?

Modular homes are built using a method of producing buildings or building components in an efficient and cost effective manner. The home is built in a factory and then transferred by sections to the site where it is assembled by a local builder.

Manufactured houses are not the same as modular houses. Manufactured homes are required to meet the Federal Construction Safety Standards Act (HUD/CODE), which requires homes to be constructed on a non-removable steel chassis. Many areas have restrictions on where manufactured homes can be placed.

Modular homes are built to the same building code required by your state, county, and specific locality and are not restricted by building or zoning regulations. The quality control process provides one-hundred percent assurance that your home has been inspected for compliance with code and workmanship. Your new modular home is inspected at the plant during each stage of construction.

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What are the benefits to a modular home?

The modular home building system is a fast-growing form of construction gaining a growing recognition of its increased efficiency and ability to apply updated technology to the needs of the market.

You benefit from the assembly line production process since modular homes are built in factories. Maximum efficiency is used with the labor, with skilled craftsman working between workstations on the floor of the factory. Excellent quality control, reduced waste, and quicker completion (30-90 days vs. 5-12 months for site-built construction) are the main benefits.

The factories buy large amounts of lumber, sheet rock, carpet, paint, and other building supplies. For this reason, they pay much less for each, and you get the savings.

When you take into consideration all the labor, material and time savings that comes with the modular home building process, you will find that the cost of your home is generally less than a traditionally built home.

The better efficiency of construction results in greater value for the homeowner. Work is not delayed by weather, subcontractor not showing up, or missing materials. Bad weather never touches the inside of your house.

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What kind of options do I have with a modular home?

Today's modular home covers the entire spectrum of the housing market from the affordable single-family and multifamily housing to expensive luxury homes (several modular home builders produce several models that sell for over $500,000).

Computers have enabled modular home producers to take a mass customization approach and design all models to meet a homeowner's particular needs. The options are never ending!

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Is a modular home a better value for my money?

Modular housing is growing at almost 10% rate over the last six years. Forecasters see modular housing increasing its market share by 13% annually well into the next millennium.

You will keep saving money year after year, as your energy efficient home keeps your heating and cooling bills low.

Repair bills can really add up quick. A modular home is a home that is easier and less costly to maintain. Additional factory insulation and precision building techniques make the modular house an efficient energy conservation home. And of course this cost saving lasts every year you're living in the house. And it increases your resale value, too!

Modular homes are precision built at the factory, and they're built to last. Your modular home requires less maintenance and your energy bills are lower than your neighbors. When it's time to sell your home, you'll be glad it's a modular.

Modular Home Dealers

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Don't all modular homes look alike?

Not at all. Unless you were there to see the house delivered and assembled, you might not guess it's a modular home. Modular home manufacturers can take any home plan and use computer software that will enable them to make a modular home from it. They can take your specifications and turn your ideas into reality.

It is true that some modular homes resemble mobile homes but the two are built in two entirely different ways.

Be sure to ask questions about flexibility if you would like to design your own home since each manufacturer is different.

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Do banks provide financing for a modular built home?

Yes. For most banks, appraisers, and insurance companies, there is no diiference and they treat modular homes the same way they do site built homes--a house that's constructed entirely on your property. Be sure coonsult with the mortgage brokers and banks in your area to explain how they finance modular homes.

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Will I save money by building a modular home?

Sometimes. Construction costs for a modular home are sometimes less per square foot than for a similar site-built home. And there are other cost-saving features:

Many modular homes are very energy efficient, which helps reduce your heating and cooling costs.

Because of the speed of the modular home building process, your home will probably be ready to move into much quicker than if you wait for a builder to construct the house on-site.

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What is a modular home?

Modular homes are built in different sections in a factory controlled setting. No rain or any other adverse weather conditions are present to slow down or harm the building process. Once the sections are complete they are transferred to the site where they are placed on a pre-made foundation. They are then joined together and completed by your local builder.

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Does it take long to build a modular home?

That depends on the manufacturer and the particular design of the house. Some modular homes can be built in the factory in as little as one to two weeks. Since modular homes are built inside, there's never a weather delay. It usually takes another two to four weeks for your local builder to complete the home once it's delivered to the building site.

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Are they the same thing as mobile homes?

Mobile homes, now called manufactured homes, are built to conform to the same federal code, no matter where they will be delivered. That code is called the HUD code.

A modular house conforms to the building codes that are required at the specific siteit will be delivered to. In many cases construction goes beyond the required codes.

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