FAQs

Got any questions?We’ve got answers

Find quick and clear answers to the most common questions about our products and services — all in one place.

How does financing work for modular homes?

Financing a modular home is similar to financing a traditional site-built home. The process generally involves the following steps: pre-approval, loan application, appraisal and site preparation, construction loan.

Do you offer financing options?

Sure! If you need help financing your project, our team can connect you with lenders and help you understand all of your options. We will work with most lenders but find it works best if you use one of our core group of preferred lenders—who can provide FHA, USDA, VA, Construction or Conventional financing. Typically lenders will give you a “soft” approval in a few days and will require a minimum credit score of 580+.

For larger jobs with land purchases, garages, loft build outs or raised foundations we would help you get a construction loan to fund the construction phase of the project.

Unlike typical loans, certain types of construction loan give you the benefit of a single upfront close, which locks in your monthly payment before construction begins. Either way, if you already own your land free and clear you will likely not have to put down any upfront deposit.

What is our Land Assistance Program at Carolina Country Homes?

The Carolina Country Homes Land Assistance Program is designed to help homebuyers who want to purchase land and build a custom home—but need guidance through the complex process. From zoning and permits to utility setup and cost estimates, our program streamlines your journey to homeownership.

When buying a home, there are three primary options:

Buying a Managed Home – Typically a condo or townhome where you're responsible only for the interior. Ideal for city living but often more expensive per square foot.
Buying a Pre-Built Home – A single-family home where land and house come as a package. A simpler option but comes with HOA rules, limited customization, and close neighbors.
Buying Land & Building Your Own Home – Offers full customization and a rural lifestyle, often at a lower cost—but comes with more steps and potential challenges.

While the third option is appealing, it can be daunting. That’s where our Land Assistance Program comes in.

How the Land Assistance Program works

Preliminary Lot Planning

We’ll work with you to assess the land, zoning regulations, and site requirements before you commit.
Our team ensures you understand any limitations and potential hurdles upfront.

Permits & Utilities

We guide you through securing the necessary permits for building, water, septic, and utilities.
We help navigate zoning laws, setbacks, and deed restrictions to avoid unexpected delays.

Land Development Cost Estimates

We provide rough estimates for land clearing, septic systems, foundation height, and access roads.
Understanding these costs before purchase ensures you avoid unexpected expenses.

Finding the Right Property

While we aren’t realtors, we connect you with trusted professionals and assist in land evaluation.
We help identify potential properties through targeted searches and assessment of county records.

What are the Program Costs?

Cost: There is a $500 upfront fee for our Land Assistance Program. However, this is treated as a deposit against your final project cost—so you get your money back if we build your home.
Pre-Qualification: Before signing up, we’ll connect you with one of our preferred lenders to determine your budget and financing options.

What is the difference between Modular, Manufactured & Prefab Homes?

Off-Frame Modular homes are factory-built homes constructed in sections, or modules built to the same IRC building code and standards, using the same materials, as a site-built home. They are then transported to the building site, lifted off the transport frames, and assembled on a permanent foundation.

Manufactured homes, formerly known as mobile homes, are also factory built but are built to the HUD building code (a government developed code aimed at providing affordable housing). They are transported to the site on their own chassis/frames, which remain under the house, and a “skirt” is erected around the chassis/frames.

On-Frame Modular Homes are a combination of Off-Frame and Manufactured in that they are built to the IRC building code but the frames are left under the house and a “skirt” is erected around them.

Prefab, or prefabricated, homes is a broad term that encompasses any home whose components are manufactured in a factory and then transported to the site for assembly. This includes both modular and manufactured homes, as well as other types like panelized and pre-cut homes.

How much customization can I do on the home?

There are two different levels of customization available:

Level 1: Manufacturers provide options built into their programs on how you configure your home.
Level 2: Some of the manufacturers we work with will allow you to specify your own customizations, for instance, moving walls.

In terms of personalization, you’ll always be given options on colors, cabinets, countertops, sinks, tubs, showers, doors, windows etc.

What type of warranty do you offer?

Carolina Country Homes warrants workmanship (labor and parts) on all components of the project for a period of one year and provides a 3rd party 10 year warranty on all structural components. In addition, the manufacturers of the appliances, floor coverings and shingles provide additional warranties.

Affordable Modular Homes in North and South Carolina

Contact an agent today

Why Modular and Why Carolina Country Homes

Quality finishes and customizations

Avoid HOAs and build on your own lot

Quality construction at a reasonable price

Energy-efficient and built for comfort

Flexible floor plans for modern living

Our Process

About Carolina Country Homes

Looking for an affordable way to own a beautiful home?

Featured Homes

“They care about your family and treat you like family not just another client.”

“I highly recommend CCH to anyone looking for a modular home. If I could give more than 5 stars, I would.”

“Thank you Carolina Country Homes for our beautiful home! We had such an amazing experience, it was very stress free.”

Got any questions?We’ve got answers

Schedule a visit or consultation with a representative today.

Affordable Modular Homes in North and South Carolina

Contact an agent today

Why Modular and Why Carolina Country Homes

Quality finishes and customizations

Avoid HOAs and build on your own lot

Quality construction at a reasonable price

Energy-efficient and built for comfort

Flexible floor plans for modern living

Our Process

About Carolina Country Homes

Schedule an in-person or virtual visit today.

Looking for an affordable way to own a beautiful home?

Featured Homes

“They care about your family and treat you like family not just another client.”

“I highly recommend CCH to anyone looking for a modular home. If I could give more than 5 stars, I would.”

“Thank you Carolina Country Homes for our beautiful home! We had such an amazing experience, it was very stress free.”

Got any questions?We’ve got answers

Schedule a visit or consultation with a representative today.