An Introduction to CrossMod Homes

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Clayton exterior CrossMod
The exterior of a model home from Clayton, on display in Louisville, that would qualify as a CrossMod with the potential for conventional financing.

What Is A CrossMod™ Home?

The Louisville Show proves to be the ideal place to role out CrossMod™ homes, an offering the industry has come together and embraced.

Clayton Homes kitchen CrossMod
The kitchen in a new home from Clayton includes cabinet-matching covers for the refrigerator.

Several builders are manufacturing CrossMods as a matter of providing factory-built homes that are flexible and rich with features that customers value. For instance, a CrossMod can be built to meet manufactured housing’s HUD code. The same home can be built as a modular that meets local residential codes. Either way, the home implements many of the favorable features buyers appreciate in standard site-built construction.

Zach Pfeiff is a customer success manager for Clayton Homes in Albuquerque, N.M.

“We’ve had a lot of people coming through, most of them with a curiosity about the CrossMod homes,” Pfeiff said. “Once they understand what it all means, there’s a lot of excitement.”

How Did CrossMod Come to Be?

The Manufactured Housing Institute partnered with a market research firm that did a survey of industry customers. What the partnership discovered is that nine percent of respondents would consider buying a manufactured home.

But 46% of those same respondents would consider a CrossMod.

The Features that Make a CrossMod

CrossMod™ is an industry-wide term that captures and expands on many of the new home features that Fannie Mae and Freddie Mac look for when providing conventional financing for manufactured homes with MH Advantage® and CHOICEHome℠, respectively.

CrossMod Homes at The Louisville Show

The 2020 Louisville Show featured several of the CrossMod homes, including new models from Adventures Homes, Clayton Homes, and Skyline Champion Corporation.

CrossMod exterior Dutch Homes
The exterior of a Dutch Housing model from Skyline Champion, shown during The Louisville Manufactured Housing Show.

Dutch Housing from Skyline Champion Corporation

SkylineChampion Dutch Homes Kitchen CrossMod
A CrossMod model from Dutch Housing.

“It meets all the cosmetics and structural specifications,” Skyline Champion Director of Business Development Steve Payne said. “Champion has become very engaged in the support and promotion of these new programs.

“It’s been a long time since you’ve been able to buy a manufactured home without bias in the area of lending,” he said.

Skyline Champion is the largest public builder of manufactured homes. The company has home building facilities nationwide to serve customers throughout the contiguous states.

Adventure living area big windows CrossMod
Large windows in the living area of a new Adventure home on display during the 2020 Louisville Show.

Adventure and the CrossMod Home

Adventure bathroom vanity shower CrossMod
The master bath in a new model from Adventure Homes.

Adventure Homes displayed a new CrossMod at The Louisville Show, too.

The home garnered an impressive volume of steady foot traffic and created a buzz throughout the trade show.

Stay tuned for developing information on CrossMod homes and how they’ll be certified by MHI.