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How long does it take to build a prefab home?

Why is it up to 50 percent faster?

Is prefab more sustainable than traditional homes?

Prefab is generally considered more eco-friendly than traditional stick homes.

First off, the prefab construction process produces less waste. Instead of having lots of different people delivering materials to a site and producing excess wood, tiles, and trash, factories are more efficient. Prefab companies are also more likely to reuse or recycle their waste at a factory.

Factory-built homes and parts may also have tighter seams than stick homes, which makes heating and air conditioning more efficient. And prefab companies are more geared toward eco-minded packages than many spec home builders; most prefab builders offer energy-efficient appliances, while some include sustainable materials (think: bamboo flooring) and add-on amenities like solar panels and rainwater collection systems.

And in an era of increasing climate challenges, prefab construction scores another point due to its resiliency. Because prefab homes have to withstand being transported by truck, they are often structurally stronger than stick homes, a major plus in regions prone to earthquakes, hurricanes, or high winds.

Can you finance a prefab home with a traditional mortgage?

The main difference between financing a prefab home and a prebuilt home is the down payment. Before you choose a prefab manufacturer or plot of land, you need to know how much home you can afford. Your loan will need to factor in all the costs of construction—including the price of the land, the home, and any finishes.

Once you contract with a home manufacturer, the actual financing of a prefab house is similar to stick-built homes. But because you’ll be using a home construction loan, these often require a greater down payment than pre-built homes—you’ll likely need to put at least 20 percent down. Once construction is complete, most banks will approve a construction loan that transfers to a permanent mortgage.