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Modular Homes in California

Modular Homes in California

California Modular homes continue to attract new home buyers as more and more people recognize their advantages compared to stick-built options. Modular housing construction combines both high-tech modern architecture and efficiency, which is why potential home buyers are enticed to look at a modular home. But just like any standard building option, building a modular home also needs financing. The good news is new construction loans are at an all time low with interest rates in the 4% to 5% range.

Modular home mortgages usually combine long term financing and a construction loan. This combination is processed at the same time and requires one closing; therefore, you are able to save money and time. Buying there is a wide variety of options available for modular home mortgages. All you have to do is to choose a mortgage program that best suits your specific needs. You can choose a construction loan that will fit with a conventional loan program and offer low interest rates and low down payments.

When you apply for a modular home mortgage, you need to present a purchase order showing the cost of the modular home and transportation costs, along with site-improvements like: concrete foundation, utility hook ups and so on. If you are already the owner of the land, you have to present a copy of the deed, survey and related tax bills. Aside from this, you have to provide the lender with your personal financial information and pay the necessary application fees.

Most modular home builders will assist you in gathering this information and help you with finding the right lender. Many builders have their own financing companies they work with and you can compare their rates to your local lender. Modular homes in California typically cost 30% less compared to traditional building methods. If you’re in the market for a new home be sure to check out your options.

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