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About New Construction Loans for Modular Home Builds

28 February 2021

About New Construction Loans for Modular Home Builds - Dover, MA

The questions phoned into us on a regular basis are welcomed and an enjoyable aspect of our business. We must admit, however, some of the calls are “head scratchers”. It’s difficult to understand the mystery that, for many, continue to surround the modular home construction experience. So, you might understand why we are mystified about the occasional question: “Can I get a new construction loan for a modular home”? Well of course, the answer is a resounding “Yes”! But let’s discuss new construction loans for a minute.

Home construction loans have different requirements and different sets of rules than other types of consumer loans. New home construction loans are used interchangeably for both old-school stick built construction and new modular home construction projects. We take great pride in helping every single avenue of building out your dream modular home. That includes sharing our vast knowledge of the home consumer loan industry.

A new construction home loan requires the lender to provide the money to build your new home. Firstly, your mortgage provider requires a detailed accounting of the estimated costs to build the modular home; including how much you are going to spend and what it will look like when it is complete. After these initial questions are answered you begin the credit check and annual earnings process.

There are a few different construction loans out there but the most popular one is a “construction to permanent” loan. Instead of first applying for a construction loan and following that up with a typical home loan, a construction to permanent loan is a two-in-one loan which, in most cases, only requires you to pay closing costs once. This loan is a combination of construction loans and permanent financing and can help you save money and time.

Keep in mind that with new construction loans it is very difficult to lock-in a permanent or fixed mortgage rate. This is because, with traditional construction, you usually won't be closing the loan for six months to one year depending on the build time. With modular construction, because the build time is so much shorter, you can more often get a fixed-rate or the fixed rate you close with after construction will be very close to the variable rate you had when you took out the loan.

Of course, you will be required to pay monthly interest on the construction loan amount during the modular construction process, but the amount you owe each month will depend on the amount you have used to date. If you are approved for a construction loan of $100,000 but you have only drawn $50,000 then your interest payment will be based on $50,000.

Sometimes lenders like to interview or see the license of the contractors who will be building your new home, so often it is beneficial to speak with the bank where the contractor has a relationship.


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Custom Luxurious Interior Modular Home Construction Designs

15 February 2021

Modular Homes with Vaulted Ceilings in Hingham, MA

Luxurious custom modular home interior design is one of the most professionally rewarding accomplishments made right here at Avalon Building Systems. The smiles and happy tears that we witness at new home delivery closings is a feeling every business owner should be so lucky to witness. The more you learn about our unique custom modular home building experience, the more you can genuinely look forward to the process.

Modular floor plans vary in style and size. No two are exactly alike as each is uniquely customized to exact client specifications. Wishes and dreams do come true. Now you can conveniently construct your luxurious dream home – one that's best built just for you.

Custom-built modular homes have limited only by imagination. Your architectural modification desires are welcome and integrated into the myriad of Avalon’s floor plans. We will help you customize doors, windows, and walls of your luxurious home. We will help you choose cabinet styles, wood types, and a host of other things that will produce the exact custom home that you envision. Home additions and modifications can also be done for crawl spaces and basements. This way you can maximize your living space at such an inexpensive expense.

Our custom modular homes built here in Nantucket and beyond can be customized to fit even the tightest lots. They offer hundreds of personalized features that are wallet friendly. Through custom-built modular homes, you can customize your dream home in the way you wanted and feel at home in just a few weeks after construction.

Avalon Building Systems' Modular Homes are permanent structures. Thus they are considered real property. In fact, they can be appraised in the same way their on-site built counterparts do. Home loans and home insurance are the same as on-site built houses. So there is nothing to worry about.


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Modular Home Construction FAQ's

30 January 2021

Modular Home Construction FAQ's - Nantucket, MA

We thought we’d address some of the consumer FAQ’s that we receive regarding the modular home buying and construction process. We do this out on our ”why buy a modular home webpage”, but thought it would help many of you by posting them here on our blog. So first, the process:

  • You choose your home and options
  • A contract is signed contingent on financing and a small deposit
  • Plan revisions are made and new engineered floor plans are drawn
  • You close on your Construction-Permanent loan
  • Your basement or crawl space foundation is built
  • We release your home for production
  • We set your new home
  • Finish work of your new home is completed

How complete is the home when it is set?

Depending on the floor plan and style, between 75-85% complete.

How long does it take to finish the home after it is set?

About 4-6 weeks.

Will you build my garage and/or porches?

Yes. However, this may be at an additional cost.

What is the difference between a Modular Home and a Mobile Home?

Mobile Homes - built to a lax code with generally substandard building products (when compared to modular or site-built homes). Built on a steel frame to hold it together, most have wheels.

Modular Homes - built generally to the toughest codes required in the state, built out of the same type of building materials and name brands you would find in site-built homes. There are no steel frames underneath, only an approved floor system. There are no wheels of their own, they are transported and then lifted off the transporter and set with a crane.

How much do modular homes cost?

As with stick-built construction the cost of a modular home in Newport News will vary depending on what you put in the home and the style of the home you choose. Modular home prices compare favorably with an equivalent site-built home.

Can modular floor plans be customized?

Yes. There are standard floor plans of course; however, floor plans of each style home can be customized, as well as the amenities inside the home.

For direct consult regarding your dreams for modular homeownership, contact Avalon Building Systems.


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Your New Modular Home: Custom Designed and Delivered Faster Than You Thought Possible

15 January 2021

Avalon Building Systems - Modular Construction, Newton, MA

In many walks of life, speed is of the essence. Those engaged within the home buying process value speed of delivery as one of the most highly desired aspects of the home building process. No form of home building is accomplished faster than the custom modular home process. But let’s consider the other factors highly valued by the future home buyer.

Styling options. There are many different home styles and floor plans to consider when you are building a new modular home. You have the option of a standard floor plan or you can have your house customized to your heart’s content. Almost every home we build addresses our customer’s desire for custom kitchens. We custom design islands, columns, transoms, lighting, and an endless array of other amenities. Custom fireplaces are virtually universal choices for our customers.

Outside, custom porches prove to be one of the most celebrated aspects of custom modular home personalization. Take a look at some of the amazing custom porches that await you!

It all starts with a consult with a team member here at Avalon Building Systems We take great reward in demonstrating our wide array of floor plans and designs.


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Build Your Dream Home Through Custom Modular Construction

30 December 2020

Build Your Dream Home Through Custom Modular Construction - Boston, MA

When choosing a home building company, make sure that they are proven able to integrate your personal customization requirements. To be clear, not every custom modular home builder is able to do this. We are! Far too many home builders build from templates and do not possess the interest nor ability to deliver customized solutions despite what they tell you in the sales process. We’ll demonstrate our customization abilities to you in advance.

It is a common misconception that modular home construction is restricted in design. For us here at Avalon, nothing can be farther from the truth. We want to set the record straight, modular homes can be customized and the possibilities for design is endless.

For years now, we’ve built countless fully customized modular home solutions across the greater Boston area. Our selection of home plans are a starting point. We work with you from a functional plan that largely delivers upon your wants, needs, and dreams, then you and we go from there. No two end products are ever alike! To this day, our customers marvel at the degree of customization that we incorporate into their home building experience. Add to that, most are already looking ahead to adding additional living space in the future as their family and budget grows over time.

Whether you have fully flushed out your building plan, need a little, or a lot of help in framing your ideas, that is a part of our home building service that gives us the greatest reward. We’ll ensure you get it right! Contact Avalon Building Systems, and together, let’s get started!


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Warm Holiday Greetings To You All

23 December 2020

Happy Holidays From Mobile Air & Power Rentals

Warm Holiday greetings to you all. We write this note to you with joyous confidence that 2021 will bring happier, healthy, and more profitable days to us all! That wish is certainly a cause for optimistic celebration this Holiday season.

Our Holiday gift to you is the gift of small business in your community. To be able to buy locally is a true gift to your neighborhood as well as to your family and friends. We hope that everyone reading this takes a measured effort to buy local to the fullest extent possible, not only during this Holiday season but going forward as well.

Buying local is one of the best gifts you can give to your neighbors and your community. Visit a local restaurant, salon, store, or shop for better relationships and better customer service; but more so you can shake the owner’s hand and wish them the best in 2021 and beyond. That will be a gift for you both. Help make this a joyous holiday for everyone: Give the gift of your business to a local business.

We wish you and your entire family happiness, health, and warmth this Holiday season. Our warmest regards to you all.


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Thanksgiving Reflections from Our Team to Yours

23 November 2020

Thanksgiving Reflections from Our Team to Yours

We have all been challenged this year. But, never have we felt closer to our family, staff, customers, and vendors. For this we can give Thanks. The Covid-19 pandemic challenged our business as it did each and every business across our great nation. But, we would like to share with you the positives that came out of this experience.

Our families, our staff, our customers, and our vendors all remind us of the blessing it is to own and operate. The support that you have all provided, and continue to provide, during one of the most troubling and challenging times in American history is nothing short of humbling. That we in our own way returned some of that support to you has us arriving this Thanksgiving season with a deeper appreciation for our relationship with you. We move forward with an extraordinary focus to ensure that the quality of our service meets your needs, expectations, and earns your continued and highly valued trust. We do this with confidence that, together, we all will make it through the unique challenges that lay ahead.

In many ways we have more to be thankful for this year than ever before. This Thanksgiving season, we continue to reflect, recognize, give thanks, and be warmed by you all. As always, we invite you to contact us anytime with ideas, questions, and/or concerns. Thank you, and sincere "Happy Thanksgiving" wishes to you all!


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MODULAR HOMES: Downsizing: Reduce Your Footprint, Improve your Quality of Living

15 November 2020

MODULAR HOMES: Downsizing: Reduce Your Footprint, Improve your Quality of Living in Boston, MA

Modular home solutions are ideal for those wishing to downsize living space. As the median age of America steadily increases, downsizing has become one of the leading needs for new home construction. Modular home construction offers much better value as compared to traditional stick-built home construction. This is true in terms of both quality and cost.

In terms of quality, modular home construction is made of superior raw materials and construction methods. They are partially built in a factory setting with the primary phases of the modular home building process made in factory computer controlled modules . This means that those modules are subject to quality control inspection that far exceeds the traditional home construction at site. These processes are not subject to weather or other external factors, all things that contribute to the modular home construction process being much more time efficient than the traditional home building process.

In terms of value, the precision and climate controlled elements of modular home construction results in the elimination of waste. Waste is a factor built into the traditional home buying pricing model. We enjoy the luxury of not having to charge you for waste that is not going to occur. We celebrate the ability to offer more home (well in this case, less home by sq/ft) for the dollar and thus empowering you to enjoy large portions of your existing home equity to be used elsewhere. You win, and by so doing, we win.

For more information on how to downsize smartly, contact Avalon Building Systems.


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Modular Home Construction: Visually Stunning, Structurally Superior

30 October 2020

Modular Home Construction: Visually Stunning, Structurally Superior

We continue to pound the gavel for modular home construction because it is now inarguable that there is no better value alternative for new home construction. Value is measured by cost per square foot, customization options, structural strength, energy efficiency, precision engineering, and speed of construction. Add all those things together and traditional stick-building solutions don’t hold a comparative candle.

We humbly submit that we play a major part of the increasing popularity of modular home construction in Williamsburg. The cost savings can be significant, up to 30%. The benefits of a modern assembly line, low waste, reusable designs, and bulk material buy savings bring down the costs for new modular homes.

Modular construction offers shorter, more predictable building schedules. The home is constructed on a set schedule from the factory. When it is delivered to the property, it can be weather tight the same day. The amount of effort to finish and move-in is minimal and the time and stress is reduced. In fact, Modular homes can be constructed in as little as 12 weeks. This is due in part because modular homes are built indoors using full-time indoor crews. As a result, modular companies do not suffer any shows, bad weather, and other common time concerns of the traditional contractor.

We know, a lot to digest here, but come by and we’ll explain all these things in detail. Opening the eyes of the home buying consumer is a priceless benefit of being a professional modular home building company. Contact Avalon Building Systems anytime.


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Maximize Home Building Value While Mortgage Rates are at Historic Lows

16 October 2020

Avalon Building Systems - Modular home construction

Mortgage interest rates are at all-time lows and offer perfect timing to those contemplating new modular home construction. If you are remotely contemplating building a new home, now is the time to do it.

Our modular home floor plans offer the widest array of living options being offered by Wellesley home builders. Whether you are a first-time budget conscious home buyer, or, one contemplating your forever dream home, Avalon Building Systems here in Wellesley stands ready to deliver. modular construction is the perfect solution.

The unmatched value in modular home construction pricing combined with low mortgage rates empower you to maximize the value of your final buildout solution. Unlike traditional stick-built home construction, there are no hidden fees or unexpected costs. There are no weather delays or material issues. Because modules are built to specific standards in a factory, there are no additional costs because of wrong measurements, bad cuts, or bad weather. Each piece is cut precisely and assembled consistently inside a factory.

As the home buyer, you go into the Avalon Building Systems Modular Home construction process knowing exactly what it will cost for the site work, the home construction and assembly process, and landscaping. You get all of that without “hidden fees” or rising costs. If you have always dreamed of building a new home, with rates this low, now is the time to act. Contact Avalon Building Systems.


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