The best choice for you : Modular homes
 The housing market is still in a slump. But, if you are one of the fortunate ones who can build your dream home, or are considering down the road after an economic recovery, it is worth considering a modular home. While there are many benefits to going modular for your new home, the idea still hasn't caught on in a major way with the general public. This is due in large part to misconceptions of what a modular home is. Modular homes are not manufactured or trailer homes. They are constructed with the same or higher quality materials that are used to build traditional homes. All materials that enter the factory are thoroughly inspected to make sure that they meet the strict standards set by the manufacturer. These homes are built to meet or exceed the appropriate building codes required by the state. Mobile homes are also completely factory- and offsite-manufactured, but are built on a non-removable steel chassis. They adhere to a federal code, called the Housing and Urban Development (HUD) code, rather than to the local codes where they move about. They are cheaper than site-built houses and modular houses, and decrease in value over time. Modular homes, on the other hand, are built in sections in a factory. They are built to conform to all of the local, regional and state building codes for where they are finally located. Sections are transported from the manufacturing site to the building sites on truck beds and then are joined together by local contractors. The building is then laid out by a crane to an existing foundation. While your modular home construction loan will carry a higher interest rate than a standard mortgage, most of the funds you use to pay it down during the construction process (which seldom lasts more than three months from the time you order the home) will be applied toward the interest. This is true of any construction loan, so the much shorter duration of a modular home construction loan is one more reason why building a modular, and not traditional, home is the more affordable option.
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