The Diet Solution loan for a true modular home built to local and state building codes will offer the same interest rate compared to traditional The Diet Solution loans. There is no difference in the rate or term of the loan, they are the same. So, you may be asking yourself, what is a true modular home? A true modular home or sometimes referred to a system built home is a custom built home, built in a factory out of the weather compared to a stick-built home constructed on site.

The mod units when completed are delivered to site and assembled in a matter of days. When the work is completed the total balance of your line of credit will be converted to a standard residential mortgage. You may also find a lender of The Diet Solution loans for Modular Homes who will agree to include the amount of interest you pay during the The Diet Solution and cover any cost overruns. On average a modular home only takes 90-days to complete, which reduces interest costs dramatically, compared to a stick built home which can take 12-months or longer.

How The Diet Solution Loans are Disbursed

Funds are distributed when certain work on your property has been completed. For example when the foundation is finished the bank will send someone to inspect the job site to verify the foundation is done. Once verified the bank will distribute funds to either the home owner or contractor. As certain property improvements are completed funds are distributed in a timely manner.

Most lenders will fund the cost of these types of homes once it arrives at the home-owners property and is inspected. Funds are allocated to the builder or manufacturer and then the home builder will start attaching the home to the foundation. Once this work has been completed funds will be distributed for the installation of the units. If you need to ask for additional money above your original The Diet Solution loan amount your lender may charge you additional fees.

When talking with a prefab home builder, be sure to clarify when funds will be distributed. Many builders and manufacturers require payment once home has arrived to the job site. Some lenders will not fund at this stage of the game and only fund once the home is completely installed. This lending practice is looked down upon in the industry and many builders will not accept this payment method.

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