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MODULAR HOME FREQUENTLY ASKED QUESTIONS
To help you navigate the world of modular homes, we’ve organized answers to your most common questions about building with modular homes into easy-to-understand sections: General Questions, Financing Options, Building Process and On-Site Installation.
- GENERAL QUESTIONS
A modular home is a house built in sections at a factory, then transported to the building site and assembled on a permanent foundation. These homes are built to the same state and local building codes as traditional site-built homes.
While both are built in a factory, their key differences lie in their construction codes and permanence.
Modular homes are constructed to the same state and local building codes as traditional site-built homes and are installed on a permanent foundation. This makes them a permanent part of the real estate.
Manufactured homes, on the other hand, are built to federal HUD Code regulations. They come in various sizes (single, double, and triple-wide) and are typically placed on a non-permanent chassis, making them more easily transportable. Although some models can be placed on a permanent foundation or even a basement, they retain the ability to be relocated with the help of an experienced contractor if not permanently affixed.
Often, yes. Modular construction can offer significant cost savings due to efficiencies in the factory setting, reduced weather delays, and bulk purchasing of materials. While the initial "per square foot" price might seem similar, the overall project cost can be lower due to faster completion times and reduced labor costs on-site.
Absolutely. Modular homes are built to withstand the rigors of transportation and craning, which means they are often more structurally sound than many site-built homes. They are built to the same, or even stricter, building codes as traditional homes and undergo rigorous quality control inspections throughout the factory build process.
Yes, extensively! Modern modular homes offer an incredible degree of customization. You can choose from a wide range of floor plans, exterior finishes, interior designs, fixtures, and more. Many companies, like RDC, specialize in custom modular homes, allowing you to design your dream home from the ground up.
The construction timeline is significantly shorter than traditional site-built homes. While site preparation and foundation work are underway on your property, your home is being built simultaneously in the factory. Once on-site, assembly can take just a few days, with final finishing typically completed within a few weeks to a couple of months. The entire process, from design to move-in, is often much faster than conventional construction.
Yes, your modular home typically includes a 10-year manufacturer's warranty. Any additional warranty can be purchased for the home and the appliances that come with the home.
- FINANCING OF YOUR MODULAR HOME
Financing for modular homes is very similar to financing for traditional site-built homes. Many conventional lenders offer construction loans that transition into mortgages upon completion. We can connect you with lenders experienced in modular home financing.
The financing options for modular homes and manufactured homes differ significantly due to their legal classification and construction standards.
Modular Homes: Since modular homes are built to the same state and local building codes as traditional site-built homes and are permanently affixed to a foundation, they generally qualify for the same types of financing. This includes:
- Conventional Mortgages: Offered by private lenders, similar to loans for traditional homes.
- Construction Loans: Often used for the building phase, which then convert into a standard mortgage once the home is complete.
- FHA Loans: (Federal Housing Administration) offer lower down payment and more flexible credit requirements.
- VA Loans: (Department of Veterans Affairs) provide favorable terms, often with no down payment, for eligible service members, veterans, and surviving spouses.
- USDA Loans: For low- to moderate-income homebuyers in eligible rural areas.
Manufactured Homes: Financing for manufactured homes can be more varied, depending on whether the home is classified as real property (permanently affixed to land you own) or personal property.
- Chattel Loans: These are common for manufactured homes, especially if they are placed in a leased land community or not permanently affixed to owned land. The movable property, called “chattel,” also acts as collateral for the loan. Chattel loans are considered personal property loans, similar to auto loans, and may have higher interest rates and shorter terms than traditional mortgages.
- Traditional Mortgages (if applicable): If a manufactured home is permanently affixed to a permanent foundation on land that the homeowner owns and is titled as real estate, it may qualify for more traditional mortgage options, including FHA, VA, Fannie Mae's MH Advantage, and Freddie Mac's CHOICE Home programs. These programs aim to provide more favorable terms, sometimes comparable to site-built homes, for qualifying manufactured homes.
It's important to discuss your specific situation with lenders experienced in both modular and manufactured home financing to understand the best options available to you.
Yes, you will need to own a piece of land suitable for building. We can help you understand the requirements for your specific site, including access for transportation and utility hookups.
Just like a traditional home, your modular home will need to be connected to local utilities. This is part of the site preparation phase, and our team can guide you on the necessary steps and requirements.
Yes, and they can be designed to meet strict fire-resistant building codes. Our engineering process includes required fire sprinkler designs and calculations to ensure your home meets all safety regulations, especially critical in regions like California.
- MODULAR HOME: THE BUILDING PROCESS
"Title 24" refers to California's Energy Efficiency Standards for Residential and Nonresidential Buildings. It's crucial for your modular home as it ensures your new home meets rigorous energy efficiency requirements, leading to lower utility bills and a more environmentally friendly footprint. Our engineering process includes all necessary Title 24 calculations.
Once your modular home plans and engineering calculations (including structural and fire sprinkler designs) are complete, we submit them to the state for approval. This process typically takes four to six weeks. The state-approved plans supersede local building department authority, streamlining the permitting process and preventing local "redlines" or change requests.
With state-approved plans, the local building department cannot request changes or "redline" your blueprints. This eliminates common delays and frustrations associated with traditional local permitting processes, which can often drag on for an extra year due to repeated corrections and reviews. State approval means your plans are finalized and ready for swift local permitting.
While we handle the engineering and state approval process for the home itself, you will still need to secure local permits for site work, utilities, and foundation. However, with state-approved home plans, this local permitting process is significantly simplified and faster.
Overall, from contract signing to move-in, a modular home typically takes between 4 to 7 months, significantly less than the 9-12+ months often required for traditional homes. Here's a quick overview of key timelines in your modular home build:
- Initial Planning & Design: (0-12 weeks)
- Choosing a floor plan (pre-designed vs. custom)
- Making design modifications.
- Project Site Feasibility Study (if needed), Site surveys, soil reports.
- Securing financing pre-approval.
- Engineering Process (including Title 24, structural, fire sprinkler designs): Approximately 6 weeks
- State Approval of Plans: Approximately 4-6 weeks
- Factory Manufacturing of Home: Approximately 12 weeks (concurrent with site preparation)
- Modules are built in a factory.
- Undergoes rigorous quality control and inspections.
- Permitting and Site Preparation: (Varies, often 3-10 weeks, often concurrent with factory build)
- Obtaining local permits for site work, utilities, and foundation.
- Clearing land, grading, laying the foundation, installing utilities.
- On-Site Delivery & Assembly: (Approx. 2-6 weeks)
- Modules are transported to the site.
- Modules are set on the prepared foundation by crane, joined, and sealed.
- Utilities are connected, and major systems are installed/finished.
- Final Finishes & Occupancy: (Approx. 2-4 weeks after modules are set)
- Completion of interior finishes (trim, paint, flooring) and exterior touches.
- Final inspections (local building inspector).
- Issuance of Certificate of Occupancy.
- Move-In Ready After Delivery: Typically within 30 days of home delivery to the site.
While it's always easier and less costly to finalize your design before state approval, minor changes can sometimes be made after.
- Minor Changes: Non-structural or cosmetic changes (like paint colors, certain fixtures, or minor interior non-load-bearing wall alterations) may be possible without requiring resubmission to the state. These would typically be managed by your builder on-site.
- Major Changes: Any significant structural modifications, changes to the building envelope, or alterations that affect energy efficiency, plumbing, electrical, or fire safety systems will likely require a revision to your state-approved plans. This means resubmitting the updated plans to the state for re-review and approval, which will add time and cost to your project.
It's highly recommended to thoroughly review and finalize your design with your architect and builder before the state approval process begins to avoid potential delays and additional expenses.
The core difference lies in when and where the major inspections occur:
- Factory Inspections (Modular Homes): A significant portion of your modular home's inspection happens inside the factory during the manufacturing process. State-approved third-party inspectors regularly visit the factory to check each stage of construction, including structural integrity, electrical, plumbing, and mechanical systems. This controlled environment often leads to higher quality control and fewer weather-related delays.
- On-Site Inspections (Modular & Traditional Homes): Both modular and traditional (stick-built) homes undergo local on-site inspections for the foundation, utility connections, and any work completed at the building site. For modular homes, since the core structure is already state-approved and factory-inspected, these local inspections focus specifically on the site-specific work, such as the foundation, module setting, connections, and final finishes. Traditional homes, however, have all their construction phases (foundation, framing, rough electrical, rough plumbing, etc.) inspected on-site by local authorities as the build progresses.
In essence, modular homes benefit from a dual inspection process that often results in a more streamlined and efficient on-site inspection phase.
- INSTALLATION OF YOUR MODULAR HOME
The installation of a modular home involves several key steps after the home modules arrive at your building site. This typically includes craning the modules onto the prepared permanent foundation, precisely joining the sections together, weatherproofing the exterior seams, and completing all interior finish work where the modules connect.
Transportation is typically handled by the factory; this will be a separate charge based on mileage.
Your modular home will be installed by a licensed general contractor.
The initial "set" of the modules (crane work and joining) can often be completed in just one to three days, depending on the size and complexity of the home. After the modules are set, the remaining finish (“button-up”) work, utility connections, and final inspections can take anywhere from a few weeks to a couple of months. The overall on-site timeline is significantly shorter than for a traditional site-built home.
Modular homes require a permanent, engineered foundation, just like traditional site-built homes. This can include:
- Crawl space foundations: Most common, allowing access to plumbing and electrical systems.
- Full basements: Providing additional living space or storage.
- Slab foundations: A concrete slab directly on the ground, suitable in certain climates and for specific home designs. The type of foundation will be determined during the design and engineering phase to suit your home's specifications and your site's conditions.
Site preparation and foundation construction are typically handled by local contractors. We can often recommend trusted local partners who are experienced with modular home projects. This work occurs concurrently with the factory construction of your home, ensuring efficiency.
The finished modules are carefully transported from the factory to your building site on specialized flatbed carriers. This requires careful planning for routes and access, especially for larger homes. Our team coordinates logistics to ensure smooth delivery.
Upon arrival, a specialized crane is used to lift each module off the transport carriers and precisely place it onto the prepared foundation. Experienced installation crews then begin the process of securely joining the modules together.
Once the modules are joined, the exterior and interior seams are seamlessly finished by skilled craftsmen. On the exterior, siding, roofing, and trim are installed to cover the connection points. Inside, drywall, flooring, and paint are applied to ensure a continuous and integrated appearance, making it virtually impossible to tell where the modules were joined.
Connecting the home to local utilities (water, sewer/septic, electricity, and gas) is part of the on-site finishing process. This work is typically performed by licensed local contractors in conjunction with the home builder to ensure all connections are up to code and fully functional.
Yes, absolutely. Inspections are a critical part of the modular home installation process. Just like traditional homes, modular homes undergo various inspections by local building authorities during the on-site installation and finishing phases. These inspections ensure that the foundation, utility connections, and all other on-site work meet local building codes and safety standards.
It's important to note that while the core structure of the modular home is typically state-approved (as it's built in a factory setting under controlled conditions and inspected there), these local inspections specifically focus on the site-specific work. This includes everything done once the modules arrive at the building site, such as:
- Foundation inspection: Ensuring the foundation is properly constructed and meets all structural requirements.
- Utility connections: Verifying that electrical, plumbing, and HVAC systems are correctly and safely connected to local utilities.
- On-site assembly and finishing: Checking that all modules are properly joined, sealed, and that any on-site finishing work (like porches, decks, or garages) complies with codes.
After all on-site work is completed and passes inspection, a final inspection by the local building inspector will be performed. Upon successful completion of this final inspection, the local building authority will issue your Certificate of Occupancy, which is required before you can legally move into and occupy your new modular home.
Landscaping, driveways, decks, and other exterior finishes are typically completed after the home itself is installed and fully connected. These elements are part of your overall site development plan and can be coordinated with your chosen contractors.