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!