Q: What is the difference between a manufactured and modular home?
A: Manufactured homes are placed on a concrete slab while modular homes are placed on a basement or crawlspace.

Q: Does Affordable Homes of Rice Lake provide in house financing?
A: No, in house financing is not offered at Affordable Homes of Rice Lake. However, we have outstanding relationships with several local lenders who are familiar with lending for modular/manufactured homes.

Q: How far away from Rice Lake do you deliver/set homes?
A: Affordable Homes of Rice Lake, as well as our contractors, generally provide services within 100 miles of Rice Lake, WI.

Q: What are the differences between manufactured/modular homes and stick built homes?
A: Very few differences; manufactured/modular homes are built with 2×6 exterior walls and are inspected at the factory before delivery to ensure they meet state and federal codes.

Q: Are these homes covered under any warranty?
A: Yes, all of our manufacturers have a minimum of a one year manufacturer warranty.

Q: What changes can I make to a manufactured/modular home?
A: All manufactured/modular homes offered at Affordable Homes of Rice Lake provide a variety of personalization options, including but not limited to siding colors, cabinetry, countertops, flooring, etc.

Q: Why work with Affordable Homes of Rice Lake on your project?
A: As a smaller dealership we offer a more personalized experience when picking, placing, and loving your new home. We take great pride in our ability to help find home buyers what they need and want in their home.

Q: How long does it take to order and receive a manufactured or modular home?
A: Lead times vary depending on the manufacturer and time of year, but most homes are delivered within 3 to 6 months of placing an order.

Q: Can I tour or walk through a home before purchasing?
Yes. We encourage all of our buyers to tour our available homes before making a decision. Seeing a home in person is one of the best ways to get a feel for the layout, quality, and finishes.

Q: Do I need to own land before buying a manufactured or modular home?
A: Not necessarily. You can begin the home selection process while you’re still searching for land. However, you will need a site secured before delivery and installation can be scheduled. We’re happy to help answer questions about site requirements along the way.

Q: What credit score do I need to qualify for a manufactured home loan?
A: Credit score requirements vary by lender, but most lenders who work with manufactured and modular homes look for a minimum score of 620 or higher. We work with several local lenders who are experienced in this area and can help you find the best financing option for your situation.

Q: Is it harder to get financing for a manufactured home than a stick-built home?
A: It can be slightly different, but not necessarily harder. The key is working with a lender who has experience with manufactured and modular home loans. We have strong relationships with local lenders who specialize in exactly this type of financing and can help make the process as smooth as possible.

Q: What site preparation is needed before a home is delivered?
A: Site preparation typically includes clearing and grading the land, installing a foundation or concrete slab, and connecting utilities such as water, sewer, and electricity. We work with experienced local contractors who can help get your site ready for delivery.

Q: Can additions or garages be added to a manufactured or modular home?
A: Yes. Many homeowners choose to add garages, decks, porches, or other additions to their manufactured or modular home. Local building codes and manufacturer guidelines will apply, and we recommend working with a licensed contractor familiar with this type of construction.

Q: What happens if something needs to be repaired after move-in?
A: All of our homes come with a minimum one-year manufacturer warranty covering defects in materials and workmanship. If something comes up after move-in, we’re here to help connect you with the right resources to get it resolved quickly.

Q: Can I insure a manufactured home the same way as a stick-built home?
A: Manufactured and modular homes can be insured, though the type of policy may differ slightly from a standard homeowner’s policy. Many major insurance providers offer coverage specifically designed for manufactured and modular homes. We recommend shopping around and working with a local insurance agent who is familiar with this type of coverage.