Build and buy guide

Cut through the confusion

You might be a first-time home buyer. You might be looking to upgrade your current space, or preparing for retirement. But wherever you find yourself along life’s path, buying a new home is one of the most important decisions you’ll ever make.

Titan Factory Direct Homes is here to help make the home buying process as easy as possible for you and your family.

Making big decisions

Feel confident when you shop with Titan

Knowledge is power when it comes to shopping for a factory-built home, and here at Titan, we want you to feel in control of the home buying journey at every turn. Unlike the process for buying a site-built home—which is often opaque and confusing—we’re here to keep you informed and empowered thanks to our state-of-the-art communication strategies and skilled retailers. You’ll quickly learn why a Titan factory-built home is the future for your family.

Why factory-built homes?

Affordability, durability, customization

You’ve heard that manufactured and modular homes are the way of the future—and for good reason. At a time when finding high-quality, affordable housing is a major hurdle for homebuyers, the accessible price point of today’s durable, customizable factory-built houses makes home ownership still well within reach. Built using top-tier construction materials in a climate-controlled facility, factory-built homes are environmentally friendly, have a wide-range of luxury upgrades, and can be completely constructed in less time than it takes to break ground on some site-built homes.

Manufactured homes

Manufactured homes are an affordable, high-quality form of stand-alone, single-family housing built in climate-controlled, federally-regulated factory environments then delivered to their final destination for installation on either a temporary or permanent foundation.

Modular homes

Much like manufactured homes, modular homes are factory-built in a climate controlled facility, but the pieces of the home are assembled at a final site on a permanent foundation instead of delivered in their entirety.

Mobile homes

Mobile homes are a type of older factory-built housing constructed before the Housing and Urban Development (HUD) Act of 1976 set a federal standard for top-tier quality in factory-built homes. There have been no mobile homes built since that time, meaning that any image you have of “old-fashioned” mobile homes can stay in the past!

Factory-built housing

Factory-built housing is a more general term used today in reference to manufactured and modular homes due to their climate controlled, indoor construction process.

Attractiveness & design

A reflection of you

You should never settle for anything less than a home that fits your wants and needs. Fortunately, there’s no better way to be met exactly where you are on your home buying journey—at a price you can afford—than with a Titan Factory Direct home.

Factory-built home manufacturers make personalization a key tenant of their construction process, offering a range of diverse floorplans, luxury upgrades, and high-end add-ons to make your home truly a reflection of you. You’re not a cookie-cutter person, so why settle for a house that’s just like everyone else, or spend thousands upgrading a site-built home? Manufactured houses come delivered with every element customized to meet your needs down to the last detail.


Your wallet will thank you

There are several benefits of manufactured homes that ultimately make them a more cost-effective choice than site-built homes.

Titan’s factory-built homes are constructed in a covered, controlled environment that’s protected from inclement weather, so there won’t be any delays in construction or material loss due to external factors that would ordinarily cause damage, such as rain or hail. Additionally, this environment enables the use of precise construction technologies and inventory controls that help to minimize material waste, all while utilizing the same materials used in site-built homes. Manufactured home builders are able to negotiate substantial savings on building materials because of the volume of homes they make, and these savings get passed on directly to home buyers through reduced manufactured home prices.

Manufactured home safety

Live secure

There are no houses more regulated for security and durability than factory-built homes. Manufactured houses are not only required to meet national building codes set by HUD and stringent safety standards, but they also undergo rigorous third-party testing to ensure they can stand up to severe weather like high winds and extreme conditions.

In fact, a 2014 study found that factory-built homes not only perform as well as their site-built counterparts in severe weather, but they often outperform! And in 2019, a national fire safety study conducted by the Foremost Insurance Company found that site-built homes are more than twice as likely to experience a fire than manufactured homes. This proves once again that the commitment by today’s manufactured home builders like Titan to the highest standards of protection for our buyers is keeping us in the front of the safety pack.

Manufactured home financing

Buyers of today’s factory-built homes are able to choose from a wide array of financing options. Our Titan experts are deeply knowledgeable about home financing, and will provide you with a list of lending institutions—large national lenders as well as local companies—that can help you obtain financing for your home.

Personal property financing (for factory-built homes only) is readily available. Conventional, VA, FHA, and other financing programs, with terms up to 30 years, are available when a home is financed as real property. Should you choose to acquire land in conjunction with the home, you can finance the home and land together. Lenders are active in financing factory-built homes because studies prove that these homes appreciate in value just like comparable site-built homes.

Likewise, insuring your home is easy and readily available from a host of recognized insurance companies.

Manufactured home insurance

Securing your future

Safeguard your manufactured home with the industry leader in insurance. It’s crucial to protect your investment, and that’s why we’ve partnered with Assurant, a top provider of manufactured home insurance. With Assurant, obtaining a homeowners’ insurance quote takes less than five minutes, making it a hassle-free process.

Since 1938, Assurant has been a reliable partner for homeowners looking to safeguard their investment. They offer flexible options that suit your busy life. You can purchase your policy online or by reaching out to one of their knowledgeable agents. Assurant’s online bill payment and friendly customer service make managing your policy easy and convenient.

At Titan Factory Direct, we are committed to providing our customers with the best services in the industry. And, when it comes to insurance, our go-to provider is Assurant, a financially secure company that you can trust to be there when you need them.

Land improvements

Titan Factory Direct Homes offers a comprehensive range of services to help customers with the entire home-buying process. From foundations to decks and skirting, they have licensed and experienced contractors who specialize in each area. Their professional housing consultants can explain the differences between crawl space and pier foundation types and assist with selecting the best septic system for the land. They also provide help in securing the necessary permits, inspections, and soil tests for the installation of the septic system. Once the home is set on the foundation and the septic system is installed, they offer licensed contractors to connect the home to the city or county water supply and ensure that the electrical connection from the area power grid to the home is safely installed and done right. Titan Factory Direct Homes can also add on custom-built decks and porches to the manufactured home with specialized contractors who have years of experience and can provide all types of skirting including vinyl, stucco, and other decorative panels. To learn more about the purchasing process contact a Titan Factory Direct Housing Specialist.

Take the next step

Make Titan your home

Buying a manufactured home is an exciting decision, but is one that’s quickly followed by a number of additional critical choices that you will need to make. In order to go from knowing about and wanting to own a factory-built house to actually living in one, it is advised that you first establish a realistic idea of how much you can afford to spend.

An easy way to do this is to use an online mortgage calculator. This is a tool that can generate your estimated monthly mortgage payment after factoring in a variety of relevant variables, such as your loan amount, interest rate, and desired loan term length.

You will also need to decide where you want your manufactured home to be located. Your options include owner-occupied land, where you place your Titan home on land you already own outright, or a land lease community, which can be beneficial if you’re in search of amenities or a specific lifestyle, like a 55+ community.

Titan Home retailers will be happy to advise you on this from start to finish, whether you have questions about financing a manufactured house, obtaining insurance, selecting a floor plan, or any other matter related to the home-buying process.