Dispelling Modular


Myth #1: All factory-built homes
are trailers.

Manufactured homes are trailers, mobile homes, singlewides and doublewides. They are built to the federal building code called “HUD.” Modular homes are only similar in that they are built in a climate-controlled factory. Otherwise, they are very different. Modular homes are built to the IRC building code and your local building department requirements. Modular means more, and virtually any style of home, any look, can be achieved through the modular construction process.


Myth #2: Factories buy cheap products and construction materials.

All building products and finishes are the same brand-names that are used in any site-built home, and in many cases, better. Plus, all lumber used is sourced from North America. Every inch.


Myth #3: As soon as the home is set,
you can move-in.

Modular homes come from the factory about 85% complete, but there is still quite a bit of finish work that needs to be completed before you can move-in. Utilities, for example, have to be hooked-up and decks or patios have to be built. Some custom on-site work might need to be done. You'll also want a nicely-graded, level yard with planted grass seed. On average, it's about another 8 weeks from the day your home is set until you have your keys-in-hand. Of course, depending on the level of customization and post-set work, that time frame can vary. 


Myth #4: You can't get a mortgage
for a modular home.

Just like a site-built home, you will need a construction loan. A construction loan is not difficult to obtain and Designer Homes is an approved builder with several local financial companies. If you do not already have financing, we will ask that you start by getting pre-approved. The pre-approval allows us to work within your budget and provide accurate pricing. Then things start to move pretty quickly. You’ll be asked to send the bank your recent tax returns and some other paperwork. The bank will then order an appraisal to determine the value of your new home. The only part that is different, versus a typical mortgage, is that you're borrowing the money in advance (of having a house). The funds for closing will go into an escrow account and are drawn-on as work is completed on the house. Once you have your certificate of occupancy, your loan is now a regular mortgage.


Copyright © Designer Homes / Ritz-Craft Corp.

Designer Homes  •  North 8th St  •  Mifflinburg, PA  •  17844

Phone: 570-966-6244

Email: ameeth@ritz-craft.com

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Central PA's premier new, custom modular home builder.


Designer Homes - a division of Ritz-Craft Corp. - is a leading custom modular home builder of ranch, cape and two-story homes in the Susquehanna River Valley of Central Pennsylvania. We are proud to offer over 300 custom modular home floor plans ranging in size from 1000 to 4000 square feet in the following areas: Mifflinburg, Lewisburg, Selinsgrove, Danville, Milton, Williamsport, Bloomsburg, State College, Jersey Shore and surrounding towns.


Designer Homes also builds duplex homes and townhouses as well as other types of prefabricated structures.


Home prices are determined by Designer Homes, who quotes all modular home costs on a turn-key basis. Custom modular home plans are also available.


Drawing on Ritz-Craft's 60 years of experience, we are proud to offer an extensive line of modular homes with hundreds of unique options - so you can personalize with ease and style. Through Ritz-Craft, Designer Homes is an Energy Star Partner and certified for Green Building. View our exterior renderings, modular home floor plans and interior pictures. Contact us for more information about building a Ritz-Craft home, designs, and mortgage loan financing options.