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 Systems-Built Modular Homes are
homes constructed off site in a
climate controlled environment where
they are not exposed to the elements
using a highly engineered method to
construct modular units which are
then assembled on the desired
building site. The modular units or
“boxes” are set by a crane and then
dried-in to protect them from the
elements in one day. This method of
construction is much faster and more
efficient than that of building
on-site. When a general contractor
constructs a building on-site, they
have to allow extra time for delays
due to weather, material shortages,
inability to schedule quality
subcontractors, and many other
unforeseen factors. Modular homes
eliminate many of these slowdowns
and create more efficiency in the
building process. Plus, using a
technologically advanced building
system, the homes are built in a
manufacturing facility where quality
can be monitored at all times during
construction. In fact, our builders
Cardinal Homes, Mod U Kraf Homes,
and Simplex Homes are built in a
manner to meet or exceed building
code in your area.
 What are the advantages of
systems-built modular homes?
There are many advantages of
building your new home using modular
technology.
Cost: Often times the cost of
building a home using modular
technology is significantly less
than a similar home built using
traditional building methods. This
is largely due to the ability of the
manufacturer to buy material in
bulk and also to reduce the amount
of wasted material associated with
the production of a home. This cost
savings is passed on to the customer
and helps them to achieve instant
equity when the home is finished. In
fact, many times the appraisal value
is much greater than the actual
price paid to construct the home.
Turnaround Time: Once you
decide on a house plan or custom
design, the order to produce the
home is placed with the manufacturer
(Cardinal Homes, Mod U Kraf, or
Simplex). After the order is placed,
we begin work on the site. Grade
work, well, septic, foundation
footings, and the basement or
crawlspace is completed. After this
step, we are ready for the home to be
delivered to the site. This process
usually takes about a month and a
half to three months. After the home
is delivered, Winters Homes finish
crews finish the home. It
usually takes about
a month and a half to three months
to complete the home and get the
certificate of occupancy. Total wait
time from order to completion can be
as little as four months on an
average size home. How else are you
able to get a custom home finished
in this amount of time? In
traditional site-built construction,
many customers have to wait for
twelve months or more depending on
the weather and other circumstances.
Custom Options: The customer
can custom design their modular home
by modifying one of the hundreds of
designs and floorplans offered by
our manufacturers (Cardinal Homes,
Mod U Kraf, or Simplex) or by having
a custom design built. The only
catch is that the design has to be
able to be somewhat
modular friendly. Many plans can be.
We can help you decide if your
desired plan can be built modular or
not. You may also choose from an
extensive list of upgrades or
improvements to the home. However,
this is not to say that the standard
options are not desirable. Contact
us to find out all of the options
which come standard in our
systems-built homes. Our homes are
built to a higher standard.
 What is the difference between
manufactured housing and
systems-built?
At Winters Homes, we pride ourselves
on quality and service to our
customers. We build with three of
the leading systems-built modular
home producers in the nation –
Cardinal, Mod U Kraf, and Simplex.
They are constructed like site-built
homes only better, faster, and
stronger. Our homes are never
constructed on a steel support
foundation like mobile or
manufactured housing. In fact, our
homes look like site-built homes.
You have most likely been in homes,
banks, office buildings, or many
other kinds of structures that may
have been built using modular
technology. If you have any
questions about the difference in
the various types of home production
give us a call, we will be happy to
walk you through the advantages and
disadvantages of each. The bottom
line is if you want a quality,
well-built home – fast, then call us.
How do lending institutions treat
modular homes?
Most lending institutions now
understand the benefits and cost
effectiveness of building modular.
In many cases they are treated as
site-built homes for the purposes of
funding of the construction loan and
mortgage. One major thing the bank
needs to understand and be
comfortable with is the unique
drafting schedule needs of the
modular home contractor. At Winters
Homes we prefer to draft in the
following methods from the
construction loan. Check with your
lending institution of choice to
obtain more information on your
personal situation. If you are
buying a home from us, we will be
happy to speak with a representative
of your institution.
 10% when the home is ordered
80% when the home is delivered to
the job site
10% when the home is finished
OR
20% when the home is ordered
70% when the home is delivered to
the job site
10% when the home is finished
The method we use depends on the
manufacturer's requirements and the
preference of the bank the customer
is using.
Other arrangements can be made for
drafts on foundation, well, septic,
etc.
We can recommend someone to help you
with your financing, but it should be
made clear that we are not
affiliated with the institution or
any recommendations should not be
misconstrued as a guarantee of
performance or ability to acquire
financing through the institution.
Call us for modular friendly lending
institutions in our area.
If you have any questions or would
like more information, please
contact us at 828-733-3330,
email
us, or use our online request form.
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