Traditionally, modular units are over-built so they can be hauled on wheels over roads to get to the site and so that a crane can lift them off the wheels and place them on a foundation. Only modular construction is sturdy enough to withstand such forces which are the equivalent to that of a healthy earthquake. Factory-built homes are very easy to finance because they have a positive track record. When the homeowner wants, for instance, the Acme Plan 3A from a factory with some variations, chances are the local banker has seen it before and knows the value. Bankers also like the idea that factory-built homes are well insulated which means the ultimate buyer won't go broke paying utility bills.
Bankers also like the simplicity of the construction process compared to on-site construction.
From the time you place your order, even when the factory is hopping busy, you can get a two-module home delivered to your site in eight weeks or less and you can move into it within a few more weeks. From the time you place your order, the average site built home takes six to nine months to complete. Modular construction technology of glue-nailed sheathing and decking with redundant framing members makes a modular home a safe place to hang your hat if you live in earthquake or tornado country. Modular homes are built to survive nature's onslaught. The frame work of todays modular homes matches or exceeds site-built homes or panelized units because modular homes are engineered for safe use in each of the specific geographic region where they are sold.