That is true. I guess what I meant to say is that mobile/manufactured are considered personal property separate from the land, while modular is considered atta

That is true. I guess what I meant to say is that mobile/manufactured are considered personal property separate from the land, while modular is considered attached to the parcel in the same way that site-built homes are. One result of this is that for manufactured, lenders have much more restrictive terms. Typically 10-15 years max, min 30% down, and a significantly higher interest rate.