Three Stone Homes

The Rent Cycle: Paying More, Owning Less 

For many Missourians, monthly rent prices have climbed while space and stability shrink. You pay every month—but that money doesn’t build equity, value, or ownership. In most cases, renting simply covers someone else’s mortgage. 

If you’re ready to break that cycle, buying a modular home can be a surprisingly affordable and smart alternative. 

  1. Lower Monthly Costs Than You Might Expect

Modular homes are often priced well below traditional site-built homes, making homeownership achievable for more families. Because they’re built efficiently in a controlled environment, construction costs stay lower—and those savings pass directly to you. 

In many areas, your monthly mortgage payment for a modular home can be equal to—or even less than—local rent. 

  1. You’re Building Equity, Not Just Paying Rent

Every mortgage payment adds to your investment in a real asset—your home. Over time, that equity builds value and gives you long-term financial stability. Rent, on the other hand, offers no return. 

When you buy a modular home, you’re not just finding a place to live—you’re creating an asset that grows with you. 

  1. Stable Payments, No Surprise Rent Hikes

Rent can increase every year. Mortgage payments, especially with a fixed-rate loan, stay consistent, helping you plan your budget with confidence. You’ll never have to worry about a landlord raising the rent or selling the property out from under you. 

  1. Customization & Pride of Ownership

When you own a modular home, you can personalize it—choose your finishes, add features, decorate your way. Renting limits your freedom, but owning gives you the space (and satisfaction) to truly make it your own. 

  1. Energy Efficiency = Long-Term Savings

Today’s modular homes are designed with energy-efficient construction, insulation, and windows that help lower utility costs. That means you’ll not only save money month to month—you’ll enjoy a more comfortable, sustainable home for years to come. 

  1. Resale Value & Long-Term Investment

Modern modular homes are built to meet or exceed local building codes, often maintaining their value just like traditional homes. Whether you stay for five years or fifteen, you’ll have the advantage of owning an appreciating asset instead of a stack of rent receipts. 

Final Thoughts 

If you’re renting and dreaming of something permanent, now is the time to explore your options. Modular homes offer the same quality and comfort as site-built homes, often at a lower price point—with faster build times and customizable designs. 

At Three Stone Homes, we help families make the leap from renting to owning every day. Our team will guide you through financing, floor plans, and everything in between—so you can start investing in yourself, not your landlord. 

👉 Visit our display centers in Rogersville or Harrisonville today to explore models and discover how affordable homeownership can be. 

Manufactured vs. Modular vs. Site Built Homes: What's the Difference?

When you’re shopping for a new home, the choices can feel overwhelming. Terms like manufactured, modular, and site-built get used a lot, but what do they really mean—and which is right for you? At Three Stone Homes, we believe an informed buyer is a confident buyer. Let’s break it down. 

Site-Built Homes 

Definition: Traditional homes constructed entirely on the property lot. All materials are delivered to the site, and the home is built from the ground up. 

Pros: 

  • Wide range of customization options 
  • Often holds higher long-term resale value 
  • Familiar to most buyers and lenders 

Cons: 

  • Typically more expensive upfront 
  • Longer construction timelines (weather and labor delays are common) 
  • Higher cost of maintenance and utilities compared to newer housing innovations 

Modular Homes 

Definition: Homes built in sections (modules) inside a factory, then transported to the site and assembled on a permanent foundation. They must meet the same local building codes as site-built homes. 

Pros: 

  • Faster build time compared to site-built 
  • Meets the same codes and standards 
  • Can look and function just like a traditional home 

Cons: 

  • Limited customization compared to fully site-built 
  • Availability may depend on local zoning regulations 
  • Slightly higher upfront costs than manufactured homes 

Manufactured Homes 

Definition: Factory-built homes constructed according to federal HUD standards, then transported to their site. They can be placed on private land, in communities, or on a permanent foundation. 

Pros: 

  • Most affordable homeownership option 
  • Efficient build process means lower costs and less waste 
  • Modern designs rival site-built homes in comfort and style 
  • Financing options are more available than ever 

Cons: 

  • Zoning restrictions may apply depending on the area 
  • Some buyers may face lingering misconceptions about quality (though today’s models are stronger and more energy-efficient than ever) 

 So, Which One Is Right for You? 

  • If you want affordable comfort and modern features : Manufactured Home 
  • If you want speed + code compliance similar to site-built : Modular Home 
  • If you want full customization and don’t mind higher costs/timelines:  Site-Built Home 

At Three Stone Homes, we specialize in providing high-quality manufactured and modular homes that blend comfort, style, and value. Our display models in Rogersville, MO let you walk through and see the difference for yourself. 

Ready to explore your options? Let’s make your dream of homeownership a reality! 

Three Stone Homes Takes Part in This Year’s HBA Parade of Homes 

We’re excited to announce that Three Stone Homes will be showcasing our beautiful display models at the 2025 HBA Parade of Homes in Rogersville, MO! Join us for an unforgettable open house experience: 

  • Dates: October 17–19, 2025 
  • Hours: 10:00 AM – 5:00 PM each day 
  • Location: 7575 E U.S. Highway 60, Rogersville, MO  

What to Expect  

At Three Stone Homes, we’re proud to offer modular and manufactured homes that combine affordable quality, modern design, and smart customization. At our Parade display you’ll see firsthand: 

  • Thoughtfully designed layouts that highlight our craftsmanship 
  • Stylish finishes and functional details—like spacious kitchen islands and clever storage solutions 
  • Energy-efficient features that marry comfort with sustainability 

Whether you're curious about modular construction or exploring options for your next home, our team will be on-site to guide you through every detail. Preview our homes at threestonehomes.com 

Explore the Parade of Homes 

The HBA Parade is a self-guided home tour, where visitors can explore participating homes at their own pace. It’s the perfect opportunity to: 

  • Tour a variety of home styles and floor plans 
  • Get design inspiration and ask questions directly to builders 
  • Compare features like finishes, layouts, and construction quality  

Be sure to check in and pick up an info packet when you arrive—it includes home details and more helpful info as you tour our lot.  

Why You Should Visit Our Homes 

  1. See quality firsthand – Visit a Three Stone Homes model to experience our design and construction in person. 
  1. Talk with the experts – Our team will be available to walk you through your questions, from customization to financing. 
  1. Get inspired – Whether it’s layout ideas, energy-saving features, or design trends—you'll find ideas to shape your dream home. 

Join Us! 

Mark your calendar for October 17–19, 2025, and swing by 7575 E US Hwy 60, Rogersville. We’d love to show you how Three Stone Homes can deliver more home for less money—crafted with care, built to last. 

Stay tuned to our website and social media for updates and sneak peeks before the event! 

 

If you’ve been driving through neighborhoods in Missouri lately, you may have noticed something: more and more families are moving into modular homes instead of taking the traditional “stick-built” route. It’s a trend that’s growing fast — and for good reason. Missouri homebuyers are realizing that modular construction offers the best of both worlds: quality and customization, paired with efficiency and affordability. 

So, why are so many buyers making the switch? Let’s break it down. 

Faster Build Times 

Life moves quickly, and homebuyers don’t always want to wait for a traditional build. Modular homes are built indoors in a controlled environment and then assembled on-site, which means fewer weather delays and a much smoother process. Many of our homeowners move into their new modular home months faster than they would with a site-built house. 

Cost Savings Without Sacrificing Quality 

Budget is one of the biggest deciding factors when purchasing a home. Modular homes can often be built at a lower overall cost than traditional homes — but that doesn’t mean sacrificing quality. With factory precision and efficient use of materials, modular homes avoid many of the delays, mistakes, and waste that drive up costs on traditional construction sites. 

High Quality and Energy Efficiency 

Because modular homes are built indoors, materials aren’t exposed to weather during construction, reducing warping and long-term wear. In fact, modular construction often exceeds building code requirements. Many models also come with modern energy-efficient features that help homeowners save on monthly utility bills. 

Flexible Customization Options 

A common myth is that modular homes are “cookie cutter.” The truth? You can choose from a wide variety of floor plans, finishes, and upgrades to make the home your own. From open kitchens and large islands to spa-like master bathrooms and cozy fireplaces, there are countless ways to design a modular home that fits your family’s lifestyle. 

Financing is Easier Than You Think 

Another reason Missouri buyers are choosing modular is financing. Many lenders now offer traditional mortgage options for modular homes, making the process straightforward and accessible. Plus, lower price points often mean more flexibility for first-time buyers and downsizers alike. 

Perfect Fit for Missouri Living 

Whether you’re looking for a cozy retreat in the Ozarks, a family-friendly home near Springfield, or a modern downsized option closer to Kansas City, modular homes provide a smart balance of affordability, comfort, and style — tailored to the way Missourians live. 

Final Thoughts 

Choosing between a traditional build and a modular home comes down to what matters most to you: time, budget, and lifestyle. For many Missouri families, the decision is simple. Modular homes provide the same quality, more customization, and a smoother process — all at a better value. 

At Three Stone Homes, we’re proud to help Missouri, Arkansas and Kansas homebuyers discover just how exciting and stress-free the journey to homeownership can be. Whether you’re buying your first home, upgrading for more space, or downsizing into something just right, we’re here to meet you where you are. 

Ready to tour our models and see the difference for yourself? Visit our display centers in Rogersville or Harrisonville today. 

 

  1. What is a Modular Home? 

Modular homes are built in sections (modules) inside a factory and then assembled on your property. They meet the same building codes as traditional site-built houses. Benefits include faster construction, controlled environment, affordability, and energy efficiency.  

  1. How Modular Homes Differ from Manufactured or Mobile Homes
  • Modular homes: Built to local/state building codes, set on permanent foundations, can appreciate in value like a site-built home.
  • Manufactured homes: Built to federal HUD code, usually on steel frames; can be placed on owned or leased land.
  • Mobile homes: Older term, pre-1976 HUD standards
  1. The Buying Process
  • Budget & Financing – Check if your lender finances modular homes. Get pre-approval for your budget. 
  • Selecting a Home Plan – Choose layout, size, and customization options. 
  • Site Preparation – Land must be cleared, leveled, and foundation built. 
  • Delivery & Setup – Modules delivered, placed with a crane, and finished onsite.
  1. Cost Considerations 

Consider base price, land costs, delivery/setup, and upgrades. Always ask for a turnkey estimate to avoid surprises.  

  1. Financing a Modular Home

Most modular homes qualify for traditional financing, including conventional, FHA, and VA loans. Construction-to-permanent loans are also common.  

  1. Questions to Ask Your Builder 
  • What’s included in the base price? 
  • How long does the process take? 
  • What warranties do you offer? 
  • Do you handle permits and inspections? 
  • How are upgrades priced? 
  • Who coordinates subcontractors? 
  1. Common Misconceptions 
  • Modular homes are not mobile homes—they follow the same codes as site-built homes. 
  • They can appreciate in value like traditional houses. 
  • They are customizable, not cookie-cutter. 
  1. Tips for a Smooth Experience
  • Work with a reputable builder. 
  • Visit model homes before deciding. 
  • Check local zoning and permitting rules. 
  • Budget for landscaping, driveways, or garages. 
  • Stay involved and communicate with your builder. 
  1. Checklist: Are You Ready to Buy? 
  • I have financing pre-approval. 
  • I know where my home will be placed. 
  • I’ve compared builders and models. 
  • I’ve reviewed what’s included in the price. 
  • I understand delivery, setup, and timeline. 

Ready to take the next step? Schedule a free consultation with Three Stone Homes today and let’s bring your dream home to life!