Question 1

What is a modular home?

Accepted Answer

A modular home is built in factory modules, transported to site, and assembled on a permanent foundation. It must comply with local IRC building codes like site-built homes and is typically classified as real property.

Question 2

How do modular, manufactured, and site-built homes compare?

Accepted Answer

Modular homes follow local IRC codes and qualify for conventional mortgages. Manufactured homes follow HUD code and are often personal property. Site-built homes follow local codes on site. Modular and site-built typically appreciate; manufactured often depreciates.

Question 3

Can you customize a modular home?

Accepted Answer

Yes. Buyers can customize floor plans, exterior and interior finishes, architectural details, and energy features. Many manufacturers also support architect-led custom designs.

Question 4

How do you finance a modular home?

Accepted Answer

Modular homes on permanent foundations qualify for conventional, FHA, VA, USDA, and construction-to-permanent loans, the same paths as site-built homes when titled as real property.

Question 5

How much do modular homes cost?

Accepted Answer

Total turnkey costs often range from $150,000 to $500,000+ depending on size, finishes, land, site prep, foundation, delivery, and upgrades. Base factory price is typically $80–$200+ per square foot before site costs.

Question 6

How long does it take to build a modular home?

Accepted Answer

Most projects take 3–6 months from order to move-in: design (1–3 months), permits (1–2 months), site prep (1–2 months), factory build (1–2 months), set and finish (2–6 weeks).

Question 7

Are modular homes as durable as site-built homes?

Accepted Answer

Yes, when built and set correctly. Factory construction reduces weather exposure, modules are engineered for transport strength, and inspections occur in-factory and on-site. Lifespan is comparable with proper maintenance.

Question 8

Do modular homes hold their value?

Accepted Answer

Modular homes on permanent foundations generally appreciate like site-built homes because they are real property, meet local codes, and appraise against comparable sales.

Question 9

What site requirements are needed for a modular home?

Accepted Answer

You need delivery access (12–14 ft road width), a prepared foundation, utility connections, zoning approval, suitable soil, and crane/set space. Assess feasibility before ordering.

Question 10

Are modular homes energy efficient?

Accepted Answer

Modular homes can exceed typical site-built efficiency through precise insulation, tighter envelopes, ENERGY STAR options, solar-ready designs, and high-efficiency systems including passive house builds.

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