A New Twist on Housing Could Disrupt the Industry

Both the modular housing industry and tract builders are starting to see activity in a type of home the industry has not seen before. Started in 2020, at the same time as COVID began, it was basically put on the back burner but look for its resurrection to be just around the corner.



The manufactured home industry has started building this newest class of manufactured homes to the higher standards and design of modular homes. Fannie & Freddie have both created financing products for these homes. 

It looks just like a modular home, is delivered on axles and wheels, lifted by a crane, and placed on a permanent foundation. It has HUD tags on both sections and a data plate on the interior. It is very difficult to tell the difference between a cross-mod and a modular home from the street.

CrossMod™ homes represent the seamless blending of site-built and off-site-built construction at an attainable price range. The homes are designed to be permanently placed on land and can potentially appraise and finance similarly to traditional site-built housing.


The unique layout of the single section CrossMod also makes it the ideal size and shape for neighborhoods and urban lots, helping to create more zoning and infill opportunities.

Look for these homes to begin showing up in traditional single-family neighborhoods where HUD code manufactured homes have not been allowed by zoning restrictions.

The video below has Kevin Clayton explaining how this new class of homes can make single-family homes available to thousands of new home buyers that have been priced out of the market for traditionally built and modular homes.


Clayton Homes, one of the top manufactured housing builders in the US seems to be spearheading the CrossMod™ movement.



Gary Fleisher, Contributing Editor

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Gary Fleisher

Gary Fleisher, “The Mod Coach”, has been entrenched in the offsite construction industry for most of his life. Having started his career in the lumber industry, Gary spent decades working with manufactured and modular home producers and homebuilders. For the past 15 years his blog and LinkedIn postings have introduced thousands to the benefits of factory-built construction and have served as a forum for industry professionals to share insights and perspectives. Gary lives in Hagerstown, MD with his wife, Peg.

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