Modular homes can be purchased using a wide variety of conventional loan products. However, it’s important that your bank/lender understands that modular draw schedules differ from conventional site-built draw schedules. Manufacturers usually take a draw to begin work in the factory, one or several more draws during construction, and a final draw before the home leaves the factory. There will also be draws to the general contractor for on-site services. The draw schedule will need to be coordinated with the bank. We can help! Contact firstname.lastname@example.org for lender recommendations in your area.
3. Basic Design
At this stage, we’ll provide you with a contract for Basic Design Services and collect a non-refundable deposit ($1000-$2000 depending on size of home). The deliverable for this phase includes a 2D floor plan positioned on your site and a full color presentation of the elevation (exterior) of the home. Click here to see what is included with basic design. We’ll then send you a form signing off on Basic Design as well as a request for a non-refundable deposit to proceed to Detailed Design ($4000-$8000 depending on size of home).
5. Financial Approval
Once the Detailed Design is complete, we’ll submit the drawings and final cost estimate to your bank or lending institution for loan approval.
Once the building permit and financing are in place, we can order your home and get construction under way at the manufacturer. There are essentially two parts to the construction of your modular home: on-site work and factory work.
1) On-site work is all of the preparation needed to take place at your home site in order to make it ready for the delivery of the modules. This includes necessary clearing of vegetation, grading, driveway/access preparation, construction of the foundation and preparing the utilities to tie into the modular. Inspections by the local authority take place for this portion of the work. Time to complete site work will vary depending on the location and complexity of your site.
2) Factory work is the construction of the modules in the manufacturing plant. This includes all roof, floor and wall framing, windows, siding, wiring, plumbing, electrical work, HVAC, sheetrock, cabinets, tile, flooring, fixtures and paint. The modules typically arrive 80-90% complete.
2. Site Preparation
To get started, we’ll gather information about your land (or prospective land) to determine if it’s suitable for a modular home, and to help us in the design process. First, we will need to gather some information. Start your application here. We’ll review this information and provide feedback that will help decide whether you should move forward with purchasing the land if you don’t own it already. And whether you should move to the Basic Design phase.
4. Detailed Design
Detailed Design is where we review your scope of work, budget and schedule and reach an understanding of the project requirements. Based on the approved project requirements, ma modular will develop the Detailed Design. Upon the Client’s approval of the Detailed Design, ma modular will prepare Construction Documents indicating requirements for construction of the Project and will coordinate its services with any consulting services the Client provides. ma modular will assist the Client in filing documents required for the approval of governmental authorities, in obtaining proposals in awarding contracts for construction. Click here to see what is included in Detailed Design.
The timing on building permits will vary significantly depending on your jurisdiction. At this point, your local general contractor will provide a final cost estimate that will include:
Coordination and installation of utilities
Any site improvement estimates
Your ma home will be delivered from the manufacturer on flatbed trucks and finished on site by the local general contractor. The modules are lifted from the trucks with cranes, set, leveled and secured to the foundation. “Button up” crews then take care of patching joints (sheetrock, flooring, etc). If roofing was left off this is completed as well. Exterior work such as decks, stairs, walkways and underpinning (if necessary) are installed.
At this point, you will perform a walk-through of the home. This is where we look in detail at all completed aspects of the house and create a punch list of work to be done. When the punch list is completed to your satisfaction, and approved, your bank will want to do a final inspection to ensure completion. We’ll also provide you with a homeowner’s manual and identify/explain where your breaker panel is, how to adjust your water heater, thermostat, etc. This manual will also have a list of names and contact numbers for future reference.