Here the closest you will find to basic "code" stick-built house in a modular home would be a prefab home {one step above mini-home / mobile home which comes in two halves which are bolted together on-site}.Even the cheapest modular construction available here is more energy efficient than what most of what are being built for spec homes.The point I was attempting to make in my earlier post is if you construct a high-efficiency stick built home and a modular home of the same efficiency (apples to apples), the cost difference would be moot ... the modular home may even be less expensive.

I bet you a steak dinner that either he doesn't ever post here again or posts maybe a couple more posts before he leaves.

.- The closest stores/shopping areas/neighborhoods are 3-5 miles away.Concerns:- Lancaster has a high crime rate (higher than in 87% of U.S. cities).- The land is surrounded by large, unkept, and vacant lots for miles.- The land is on the outskirts of Lancaster. 

Wayne is the closest answer, nice @Wayne BrooksThere are two parts to FHA financing and mortgage insurance theres the upfront mortgage insurance premium (UFMIP) and the monthly mortgage insurance (MMI).The UFMIP or 1.75% upfront MIP is typically financed into your loan at closing so you dont come into closing with these funds ($1750 dollars for every 100,000 loan amount borrowed).Then its .85% annual MI thats divided by 12.

But if you use that extra cash flow for car payments, vacations, beer and steaks I think that is a very bad move.

Of the predictions received by the submission deadline, @Jon Klaus was the closest with October 21, 2014 (off by approximately 36 hours).Though I appear to be off-the-hook for a membership renewal, I have sent Jon a consolation prize which he should be receiving any moment.

As an attorney, I have seen even the closest friends (and family!)

The closest water line is several miles away...

@Dan McKennaThe closest I could find is a reference to contact one of the following two individuals for Real Estate related questions in North & Central Ma (& Rhode Island)Peter Brockelman508-368-6581Brian Welch781-348-0033or, for western, MA:Thomas McColgan413-748-8219

Personally, I am not in a strong 55+ state, and the closest I come is my parks in southern Texas.