In addition to doing permanent mortgages, I also do lot loans and construction loans. In Franklin County, we have two very good modular home manufacturers. I have been working a number of loans lately on modular homes and today, my managers and I were invited to watch as a home was delivered to the property and set on the basement foundation.
As a result, I had the pleasure today of seeing a house built in a single day, well almost. Of course a modular home is actually built in the factory however, it was quite interesting today watching its assembly on site.
We arrived just after 9 am as the trucks were rolling in. The crane for lifting the "boxes" (parts of the house) had been set up last night. Once the boxes were unstrapped from the trailers, the crane began by lifting the first box which has the two smaller bedrooms and a bath in the middle.
The first box was positioned from rear to front on the left side. Then the second box was hoisted into position. It was also set from rear to front next to the first box. It contained the master bedroom and a second bath. It was positioned in the center of the foundation.
The third box was the back of the right side and contained the kitchen and dining room. It was set across the back of the foundation perpendicular to the second box. The fourth and final box was then lifted into position in front of it finishing the front of the house. This box was a large living room.
Next, the crew went about lifting the roof sections that were attached to each box. As the roof sections were lifted, the knee bracing was aligned and nailed down underneath. Next the outer walls under the gables were inserted into place to complete the exterior of the house.
By noon, I had watched a concrete basement foundation become a house in three hours. It was amazing how choreographed the crew is during the assembly. They are extremely efficient in getting the job done despite freezing temperatures. There is no wasted time or manpower.
My managers were rightfully impressed with the operation. I had seen houses assembled before but not in such a coordinated way. These guys were definitely pros. I had an afternoon appointment so I had to leave.
With most of the shingles installed at the factory, the crew only had to finish the ridge vent area and the overhangs. Luckily, that will be done by day's end because we are supposed to get widespread rain tomorrow.
I help people finance their homes. Part of my doing mortgages and helping clients is knowing what is involved and where problems can appear. I came today to make sure the house was set without any delays or unforeseen issues. It went up quickly and without any concerns for the owner.
If you are thinking about purchasing a modular home and are looking for mortgage assistance, call me. I am hands on and take care of you from start to finish. I can do your lot loan, I can do your construction loan and once the house is set and completed, I can do your permanent financing.
Not all lenders can or will do that for you. I am Deanna Early, the Virginia Mortgage Expert; and I can do it all for you. With over a century of financial service to Virginians, American National Bank and Trust is here for you, too. Soon, you can also be saying . . . . .
Just today, I Saw A House Built In A Single Day, . . . . .
Well, Almost
*****
Deanna Early is the # 1 ranked Mortgage Loan Originator in Franklin County, Virginia as scored by the ActiveRain real estate site. She is a Nationally Licensed Mortgage Loan Originator for American National Bank and Trust located near Smith Mountain Lake, Virginia. She does both purchase and refinance loans throughout the state of Virginia. She is a residential loan originator and provides home loans, construction loans and lot loans as well as second or vacation home loans and investor financing.
Please visit her website at www.DeannaEarly.com and learn more in the Virginia Mortgage Blog.
You can contact her for your financing needs at (540) 721-2349 or by email at "earlyd@amnb.com"
The views expressed in this post are mine only and do not necessarily reflect the views of American National Bank and Trust Company. Any scenarios presented are for illustrative purposes only and are not intended to refer to or represent any actual or specific clients, negotiations or financial transactions.
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