Mercer

Manufactured homes are built to federal HUD standards on a permanent chassis, making them more affordable and faster to deliver. Modular homes are built to state IRC codes like site-built homes, placed on permanent foundations, and qualify for conventional mortgages. Both are built in factories with quality control that exceeds site-built construction.

Manufactured homes in Indiana typically range from $50,000 to $150,000 depending on size and features. Single wides start around $50,000, double wides from $80,000, and modular homes from $100,000. Factory Direct offers line-item pricing so you see exactly what you're paying for.

Yes, we work with multiple lenders including 21st Mortgage, Triad Financial, Credit Human, and Lake Michigan Credit Union. We specialize in chattel loans for home-only purchases and can also arrange land-home packages. Cash buyers receive preferred pricing discounts.

From order to move-in typically takes 8-12 weeks. Manufacturing takes 6-8 weeks at our Topeka, IN factory just 20 miles away. Site preparation and permitting add 2-4 weeks. Because we're local, our delivery times are faster than dealers located farther from the factory.

Yes, manufactured homes can be placed on private land in most areas of Indiana, Ohio, and Michigan. Rural counties like Noble, DeKalb, and Whitley have zoning-friendly regulations. You or your contractor verify zoning compliance for your specific property and pull the permits — we can point you to the right county offices.

We deliver manufactured and modular homes throughout Indiana, Ohio, and Michigan. Our Auburn, Indiana location is centrally located just 20 miles from the Champion factory, allowing us to serve the entire region with lower delivery costs.