{"id":2723,"date":"2016-01-15T23:51:12","date_gmt":"2016-01-15T23:51:12","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=2723"},"modified":"2020-07-13T22:33:52","modified_gmt":"2020-07-13T22:33:52","slug":"the-modular-home-lifestyle-where-custom-made-meets-affordability","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/the-modular-home-lifestyle-where-custom-made-meets-affordability\/","title":{"rendered":"The Modular Home Lifestyle &#8211; Where Custom-Made Meets Affordability"},"content":{"rendered":"<h1>Can a buyer purchase a\u00a0Modular Home using a USDA Rural Development Home Loan?<\/h1>\n<p><strong>Absolutely!<\/strong>\u00a0 We routinely lend USDA guaranteed home loans to build modular homes throughout NC, SC, <img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-2724 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/01\/header_pic-300x181.jpg\" alt=\"Modular Home Solutions USDA home loans\" width=\"300\" height=\"181\" \/>and VA.\u00a0 Modular Homes are sectional, prefabricated houses that consist of two or more sections which are typically manufactured in a\u00a0controlled, high tech\u00a0facility and are delivered to their site of intended use.\u00a0 Today&#8217;s modular homes offer quality at price points for all types of borrowers spanning from small starter homes to large luxury homes.\u00a0 Modular Homes are built to the same codes as on-site, stick built homes while manufactured homes (double or triplewides)\u00a0are built to HUD codes.<\/p>\n<h2>Advantages of Building\u00a0a Modular Home:<\/h2>\n<ul>\n<li><strong>Built in a controlled environment\u00a0<\/strong>&#8211; free of damaging elements<\/li>\n<li><strong>Energy efficient options<\/strong> &#8211; Keeping low energy bills in mind<\/li>\n<li><strong>Often lower price per square foot compared to stick built<\/strong><\/li>\n<li><strong>Can be completed quickly<\/strong> &#8211; Completed homes from 60 &#8211; 120 days<\/li>\n<li><strong>Flexible &amp; Easy to alter floor plans<\/strong> &#8211; Change room sizes, room layout, and more<\/li>\n<\/ul>\n<h2>Using USDA 100% Financing to Build a Modular Home:<\/h2>\n<p>USDA is a great lending option for building a new custom\u00a0modular home on your own land or even if you are purchasing land at the same time.\u00a0 Using a USDA Home Loan can be a great way to finance up to 100% of the contract price, closing costs, and purchasing or paying off land.\u00a0 Whether you own land already, want to purchase land at the same time as building, or you are receiving land gifted from a family member, USDA can offer so many advantages for homebuyers.\u00a0 Often prospective buyers have the misunderstanding that a higher interest rate comes with building a modular home but that is NOT TRUE.\u00a0 A modular home USDA rate with us\u00a0is no different than the rate on an on-site, stick built home.\u00a0 USDA does have restrictions for property location but much of NC, SC, and SC are eligible (<a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/24\/step-by-step-instructions-for-locating-usda-eligible-properties-areas\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><span style=\"text-decoration: underline;\">see if your area is eligible<\/span><\/strong><\/a>).\u00a0 It also has household income limits but they are quite liberal.<\/p>\n<h2>Why Use USDA Financing for Building a Modular Home?<\/h2>\n<ul>\n<li>100% financing up to the purchase price or as completed appraised value<\/li>\n<li>Lower payment when compared to FHA<\/li>\n<li>30 year fixed rates to provide a payment you can count on<\/li>\n<li>Builder can pay most or all of the borrower&#8217;s\u00a0closing costs<\/li>\n<li>Flexible on credit allowing as low as 640 credit scores<\/li>\n<li>Land can be recently gifted by a family member<\/li>\n<\/ul>\n<h2>Most of Southeastern North Carolina is Eligible for USDA Financing!<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2808 size-full\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/01\/Southeast-NC-USDA-eligible-areas.gif\" alt=\"USDA Eligible Areas in Southeastern NC\" width=\"555\" height=\"364\" \/><\/p>\n<p style=\"text-align: center;\"><em>Only the small areas shaded in orange are not eligible for USDA Financing<\/em><\/p>\n<h2>Interview With Local Modular Builder &#8211; James Stone\u00a0at Modular Home Solutions in Whiteville, NC:<\/h2>\n<p><strong>Team Move<\/strong>:\u00a0 Tell us about the quality of your modular homes<\/p>\n<p><strong>James Modular Home Solutions:<\/strong>\u00a0 Good, quality homes such as the ones in\u00a0this article showcase many features <img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-2814 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/01\/Modular-Home-Solutions-300x193.jpg\" alt=\"Modular Home Solutions, Whiteville, NC \" width=\"300\" height=\"193\" \/>found only in your high end custom stick built homes.\u00a0\u00a0However with the modular homes, you will save approximately 20% over a comparable stick built home yet they appraise the same.<\/p>\n<p><strong>Team Move<\/strong>:\u00a0 How long does it take to build a modular home?<\/p>\n<p><strong>James Modular Home Solutions<\/strong>:\u00a0 The time it takes to get into your new modular home is usually between 75 and 90 days.\u00a0 You do not get that with a stick built home<\/p>\n<p><strong>Team Move<\/strong>:\u00a0 How important is choosing a modular home expert?<\/p>\n<p><strong>James Modular Home Solutions:<\/strong>\u00a0 You do not go to a heart specialist when you need glasses nor to a dentist when you need your hearing checked.\u00a0 Even though both are in the medical field, they are not what you need.\u00a0 This holds true for modular homes also.\u00a0 So why would you talk to a mobile home salesperson or a builder when you are entertaining the purchase of a modular home?\u00a0 An experienced modular dealer will be able to answer all of your questions.\u00a0 Last but not least, you do not need a pushy sales person, you need an expert!<\/p>\n<p><strong>Team Move:\u00a0<\/strong> Do buyers need land for their modular home?<\/p>\n<p><strong>James Modular Home Solutions<\/strong>:\u00a0 Most of our clients either have land already or are gifted land from family members.\u00a0 But if you don&#8217;t have land, we\u00a0can help you find available land plus my partner Trina Strickland, is a real estate agent so she is able to search MLS for\u00a0land as well.<\/p>\n<p><strong>Team Move<\/strong>:\u00a0 What is the best way to contact you to learn about a modular home?<\/p>\n<p><strong>James Modular Home Solutions<\/strong>:\u00a0 You can call our office at 910-640-5556 or come by to see myself and Trina Strickland at 1323 South Madison Street, Whiteville, NC 28472.<\/p>\n<p>[av_button_big label=&#8217;Contact Team Move Today for Your Modular Home Purchase&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n<p><strong>Related Resources:<\/strong><\/p>\n<ul>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/02\/15\/usda-now-has-a-minimum-amount-of-credit-report-experience-for-usda-loan-approval\/\" target=\"_blank\" rel=\"noopener noreferrer\">USDA has a minimum amount of credit experience for USDA loan approval<\/a><\/li>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/02\/16\/no-rent-history-living-with-parents-or-family-we-have-mortgage-loan-solutions\/\" target=\"_blank\" rel=\"noopener noreferrer\">No Rent History? Living with parents or family? We have solutions<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Can a buyer purchase a\u00a0Modular Home using a USDA Rural Development Home Loan? Absolutely!\u00a0 We routinely lend USDA guaranteed home loans to build modular homes throughout NC, SC, and VA.\u00a0 Modular Homes are sectional, prefabricated houses that consist of two or more sections which are typically manufactured in a\u00a0controlled, high tech\u00a0facility and are delivered to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2813,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,17,41],"tags":[583,149,84,9,11,584,574,16,536,42,44,83],"class_list":["post-2723","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-products","category-usda","tag-bladen-county","tag-brunswick-county-nc","tag-columbus-county","tag-first-time-buyers","tag-low-down-payment","tag-modular-home-solutions","tag-modular-homes","tag-north-carolina","tag-robeson-county","tag-usda","tag-usda-home-loans","tag-usda-property-eligibility"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modular Home Lifestyle, Custom and Affordable with USDA<\/title>\n<meta name=\"description\" content=\"Can you build a modular home with a USDA home loan with no money down?\u00a0 Yes, Team Move helps landowners finance dream modular homes in NC, VA, SC\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/the-modular-home-lifestyle-where-custom-made-meets-affordability\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modular Home Lifestyle, Custom and Affordable with USDA\" \/>\n<meta property=\"og:description\" content=\"Can you build a modular home with a USDA home loan with no money down?\u00a0 Yes, Team Move helps landowners finance dream modular homes in NC, VA, SC\" \/>\n<meta property=\"og:url\" content=\"https:\/\/teammovemortgage.com\/blog\/the-modular-home-lifestyle-where-custom-made-meets-affordability\/\" \/>\n<meta property=\"og:site_name\" content=\"Team Move Mortgage Blog\" \/>\n<meta property=\"article:published_time\" content=\"2016-01-15T23:51:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-13T22:33:52+00:00\" \/>\n<meta name=\"author\" content=\"Russell Smith\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Russell Smith\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/the-modular-home-lifestyle-where-custom-made-meets-affordability\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/the-modular-home-lifestyle-where-custom-made-meets-affordability\/\"},\"author\":{\"name\":\"Russell Smith\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37\"},\"headline\":\"The Modular Home Lifestyle &#8211; 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