Modular Homes & Your VA Loan
Modular homes are they a different ballgame?
Generally, sections of a modular home are built in a factory and then shipped to a home site. From there, the pieces are assembled by professional contractors, much like a traditional, stick-built home. Modular homes need to meet local or state building codes rather than federal guidelines.
Depending on the look, it’s sometimes tough to tell a modular home from a traditional single-family residence.
Veterans looking to purchase an existing modular home encounter the same lending process as a those buying a stick-built home.
Where things can get more complicated is if you’re wanting to buy a new modular home and have it installed on a piece of land.
Lenders will often consider this new construction, and that changes the complexion when you’re talking about VA loan. It’s tough to find VA lenders out there willing to do a true $0 down construction loan.
Often, borrowers need to obtain a construction loan from a builder or a local lender, then look to refinance that short-term loan into a permanent VA mortgage once the home is ready. This is a common pathway for both stick-built and modular-new constructions.
We feature several styles of quality modular home floor plans including ranch, two-story, capes/chalets and log homes available for your land. Our floor plans are fully customizable to fit your specific needs. Kintner Modular Homes, Inc. is a great choice if you’re looking to purchase your first home, downsizing, or a vacation home. Kintner also offers custom modular houses when you’re looking to design your dream house in Eastern Pennsylvania. Browse our available floor plans or contact us to receive more detailed information. Remember, our floor plans can be customized to fit your exact needs. Kintner Modular Homes also offers concrete, poured and precast basement, windows, coupolas and ramps. Kintner provides custom design packages for well, septic and driveways. We feature home interior products from Anderson Corporation, Moen Faucets, Aristokraft and Lasco Bathware. Kintner Modular Homes offers on-site inspection, home design, ranch and split-level floor plan, assembly, installation and delivery services. In addition, we provide finance assistance through certified banks and lending institutions.
Our modern touch for all our modular homes for sale extends beyond construction and selection to offer you a hands-on role in designing your next home. Home buyers can customize their layout by adding additional living space or bedrooms as well as many different kitchen designs and many other amenities to choose from at Kintner modular homes. Available modular homes floor plans vary depending upon the model you want.