Modular home businesses are increasingly focused on urban infill projects due to housing shortages. Many modular home companies partner with architects, realtors, and developers to expand reach and resources. They’re often built to the HUD (U.S. Department of Housing and Urban Development) code, which includes standards for safety, energy efficiency, and construction. Financing mobile homes can be tricky, as they may be considered "chattel" loans, with higher interest rates. Factories uphold consistent standards, leading to fewer post-construction issues.
Some nonprofit groups and cooperatives offer affordable mobile home living in organized communities. HUD has specific standards based on region, including "Wind Zone" ratings to ensure durability in different climates. Modular homes increasingly incorporate modern design elements, including sleek lines and open spaces.