Insider’s Guide

Insider's Guide to your modular project

Can you provide a step-by-step overview of your Turnkey process?

There are three key elements that make up a modular project— Land, Money, and of course the House itself.  

At the beginning of your project, you should be focused primarily on “Land” and “Money.” These essential items require more time and energy than you might think, and must not be delayed.  We can advise you about the suitability of your site for a modular build, and we can assist in connecting you with reputable lending partners and/or a real estate agent. However, you will need to navigate the Land and Money portions of your journey in parallel to the House portion. Please keep this idea in mind as you get to know our our 10-Step Turnkey Process.

So, what if you haven’t secured land or financing just yet but would like to learn more about our offerings?  See Step 1 below.  However, until you’ve obtained a building lot and arranged for financing, it will be difficult to proceed beyond Step 3 at best.

A Note About Land:  If you already own land, great! You can skip to Step 1. If you are considering a land purchase, it’s a really good idea to have your Consultation with us before you buy. The land purchase is your decision, but we can tell you whether a lot is suitable for modular. If you need land but don’t know where to start, just ask your Sales Representative. We work with reputable real estate agents and can usually recommend someone who is familiar with your target area. (When you’re the buyer, working with an agent usually doesn’t cost you anything.)

Step 1:  Consultation

There are two tiers to our Consultation service.

Sales Consultation, $0:  Gathering information in an effort to determine if modular building is right for you?  We’re happy to assist.  You may ring us at 860-537-4669, email [email protected], or schedule a sit-down here at our office in Colchester, CT.  Business hours are Tuesday-Saturday, 8am-4:30pm.  The goal of this initial Consultation is of course to address your questions and concerns, but also to establish which of our floor plans may serve as the starting point (pre-customization) of your home build. (This does not mean you have to stick with a standard plan! Rather, the idea at Step 1 is to get an initial idea of house type, size and cost ranges. You’ll design the House itself in Step 3.)

On-Site Consultation, $250:  Based on the information you provide, your Sales Representative may recommend an On-Site Consultation. Every building lot is unique and comes with its own set of challenges and opportunities. (In other words, your House budget will depend on your Land.) For a small deposit of $250, we’ll visit you at your property to evaluate your site and learn about your vision.  We will walk your lot with you with an eye for permanent and construction access, buildable envelope, and utilities infrastructure, and explain how we would approach your modular build.  We’ll identify any apparent site-specific obstacles or unusual cost factors, informing our Step 2 and minimizing the risk of unpleasant surprises later in the process.

A Note About Site Plans:  In order to make the most of your Consultation, we ask that you share a Site Plan with us ahead of time if possible.  Don’t yet have a Site Plan?  At Step 1 that’s ok, but don’t forget about this important step, or it will hold things up later on. An approved Site Plan and Survey supports our budgeting process in Step 3, and is also required for your building permit application in Step 7. Preparing an approved Site Plan can be time-consuming and expensive, but it’s something your Town will require before you can build anything. Also, it is a critical planning tool, because it shows how your House will be positioned on your Land in a way that meets your objectives and all regulatory requirements. Your site plan is yours to keep— regardless of the builder you choose. If you’d like, we can take care of having your Site Plan prepared. Just ask your Sales Representative about this option.

Step 2:  Preliminary Estimate

Based on the Consultation discussion and your starting-point floor plan, your Sales Representative will provide a Preliminary Estimate for your project.  This document includes a price summary as well as a preliminary overview of the project scope.  The Preliminary Estimate serves to inform your budgeting and financing process. You can bring the Estimate to your lender, who will help you ensure that the project cost is at least roughly in line with how much you will have available to spend. Also, it will help you decide how much budget you may have left over for customizations, upgrades, amenities, etc.

A Note About Financing:  If you will need to borrow money for your project, this is the time to start the lending conversation. Your lender serves as a third party who will help make sure that you will be able to afford your project. It will make your life a lot easier if your lender already understands modular construction. If you’re not sure where to start, just ask your Sales Representative. We can recommend reputable mortgage lending agents who know modular and have worked successfully with our customers in the past.

Step 3:  Design and Budget Detail

Having reviewed a Preliminary Estimate, you will have a good grasp of what the cost may be to get your chosen starting-point floorplan onto your unique building lot.  If you’re satisfied with the numbers and would like to proceed to Step 3, Customize Your Plans, a $5,000 deposit will be required.

Your deposit enables two things to happen. First, you can work with our in-house Designer to create your custom floorplan.  We’ll work through the floorplan with you in detail, making tweaks and edits based on your feedback and vision, until you’ve arrived at a final, “stamp-ready” floor plan.  

Second, based on your final design, we’ll further sharpen our Preliminary Estimate to reflect the true scope of work. At this stage, we are working to move from the Preliminary Estimate to the final, fixed-price Statement of Work you will see in your Purchase Agreement.

Note:  All Deposits are nonrefundable but are credited towards your Purchase Price.

Step 4:  Stamped Plans

With your approval of the customized floor plan and associated budget, we’ll have our factory create your final, Stamped Plans.  The Stamped Plans, along with your Site Plan, comprise the documentation required for your building permit application.  Stamped Plans take about 4-6 weeks to be completed by the factory, and will be shared in both PDF and hard copy upon completion.

Step 5:  Interior & Exterior Finishes

While the factory is creating your Stamped Plans, you’ll work with your Sales Representative to select interior and exterior finishes and iron out the remaining details of your soon-to-be home.  We’ll review paint colors, siding, flooring, cabinets, countertops, and more.  Our standard and upgraded finish options offer great quality and unbeatable value. However, we can always omit factory-installed siding, cabinets, vanities, trim, bath enclosures etc. and source custom, site-installed options for you instead. For our site-installed options, we work with the same vendors and materials offered by the high-end custom builders. So if you want a high-end look, you can achieve it in Step 5 – without paying a high-end price for the rest of the house.

Step 6:  Purchase Agreement

With your Stamped Plans in and your desired interior and exterior finishes decided upon, the time has come to make your modular home purchase official.  At this point, we will provide a detailed Purchase Agreement.

This Purchase Agreement, signed by you and us, is typically required by your lender in order for you to close on your loan. 

Upon execution of the Purchase Contract, a 20% Down Payment on the Purchase Price will be due.  The remainder will be due per the terms of the Purchase Agreement.

Step 7:  Building Permit

Once we have received your Stamped Plans, Site Plan, signed Purchase Agreement, and 20% Down Payment, we will submit all required documentation to your Town and pay the associated fees in order to obtain a Building Permit.

Step 8:  Factory Order

Once we’ve obtained the Building Permit and you have closed on your loan, we will order your Home from our factory.  From here, things start to come together quickly.  The home will typically be ready for delivery in about 10-12 weeks.  For us, the construction clock starts now!  We’ll be at your lot ready to break ground in time to be ready for delivery.

Step 9:  Superior Walls Foundation

As a means of quality control and ensuring the best possible homeownership experience for our customers, we exclusively use Superior Walls Precast Foundation Systems on all of our Turnkey builds.  We’ll deliver the precast concrete panels a few weeks prior to the arrival of your modular home, and set the panels in place using a crane.

Step 10:  Set Day & Beyond

Set Day, the day your home is delivered and set atop its foundation by a crane, is a day you’ll always remember.  In the morning, you’ll see your foundation [having been set at an earlier date], a few enormous boxes on carriers, a large crane, a dumpster, and a crew of guys ready to work.  Incredibly, by the end of the day (in most cases), you’ll be looking at your brand new house!

When Set Day is over, your project is on the home stretch — but not completely done.  Final on-site details include tying in the plumbing, electrical, heating/cooling, adding additional insulation if required by code, and taking care of finish work— bits of interior and exterior carpentry.  The timeline of completing this final punch list is typically 3-6 weeks dependent on the scale and specific requirements of your project.  Once these items are buttoned-up and your Town has signed off on your Certificate of Occupancy, the home is all yours—congratulations! 

Our service area includes all of Connecticut and Rhode Island.

CT New Home Construction Contractor #0017422 and RI Registered Residential/Commercial Contractor #GC-49591.

When we provide an estimated price for a Turnkey Package, that includes allowances for all of the necessary costs to get into a home on a reasonably flat and accessible building lot.  We assume a typical lot, one with no extraordinary Site Work requirements like blasting of ledge or an extra-long driveway.

Allowances include the following: 

Excavation:  0.25 acres of light clearing, 100ft of processed gravel driveway, foundation excavation, and trenching.  

Utilities:  Well (up to 400’ deep) or city water connection (up to 150’).  Septic (per code) or city sewer connection (up to 150’).  Conduits from supply point to foundation (up to 150’), including electrical, natural gas, phone/cable.

Foundation:  8’2” Superior Wall Xi Precast Concrete Foundation System, or 4’ Superior Wall crawl space in the case of an ADU.

Tie-Ins:  All plumbing (including water heater) and all electrical.  Note:  HVAC is not included— homes come standard with hot water baseboard heat, but no air conditioning system.  Central air or mini splits can absolutely be added, but A/C is not included in our base estimate unless otherwise noted.

Carpentry & Finish Work:  Sill plate, lally columns, strapping, siding and exterior trim, gutters and downspouts, interior/exterior/basement stairs, flooring, interior trimming and door fitment, drywall touchup, interior paint, basement and attic insulation (per code), install of homebuyer-supplied appliances.

Miscellaneous:  Architectural plans, building permit fees, dumpster, portable toilet, blower door test, water test, certificate of occupancy.

Deliver & Set:  All freight and transportation costs, providing of crane and set crew to set modules on the foundation and make weather-tight. 

Amenities such as garages, porches, etc. are not assumed, but can be added.  As we’re a licensed general contractor, we can add garages/porches/decks to any of our homes.  If you have a particular vision in mind, let us know!  We can work with you to bring it to reality. 

The total cost for your Modular Project is unique and will ultimately depend on a variety of factors, including the characteristics of your specific building lot, as well your design and amenity choices. 

While the modular home is delivered just 10-12 weeks from when we order it from the factory, the actual overall timeline of a Turnkey project from initial deposits to move-in tends to be between 7-9 months.  

Months 1 & 2:  Q&A with our sales reps, select a starting-point floor plan, meet our General Contractor at your lot for an On-Site Consultation, review a formal Preliminary Estimate, pay a $5,000 deposit, sit down with our Designer to customize your floor plan as desired, then we’ll order stamped architectural plans from our factory.  These stamped plans, which will later be used to obtain a building permit, arrive in about 4-6 weeks.  

Months 3-4:  You’ll visit us in Colchester, CT in order to select interior/exterior finishes and colors of your home.  With all your home specs known, we’ll execute a formal Purchase Contract and 20% of project total will be due.  With the contract signed and down payment received, we’ll submit for a building permit.  Once the building permit is in-hand and you have closed on your loan, we will order the house from our factory. 

Months 5-7:  Your home is assembled at the factory.  Know that you can even go visit it on the assembly line!  While your home is at the factory, we’ll execute all of the required Site Work, including the installation of your Superior Walls foundation.  

Months 8-9:  Set day!  Then, now that the home has been delivered and set atop your foundation, it’s time for finishing touches.  Plumbing and electrical tie-ins, carpentry, interior paint, etc.  While these items normally only take a few weeks, that timeline may extend if you’ve purchased any site-built amenities like garages, porches, decks, etc. 

Yes!  Contrary to popular belief, modular builds can indeed be completed during New England’s winter months.  Not only are our modular homes built in an indoor, climate-controlled environment, but the precast foundation system by Superior Walls is too.  Homes are delivered, set, and made weathertight so swiftly, typically in just one or two days, that exposure to the elements is minimal.

While it may be difficult to break ground with a shovel mid-winter, it’s less so for an excavator.  So long as frost hasn’t penetrated more than 18” deep, which would only come as a result of an extended “polar vortex”, it’s business as usual for us.

Still have your sights set on springtime delivery?  That’s all well and good!  However, don’t just put your project on hold— use the winter months wisely!  Ensure your Site Plan is complete, any required variances are obtained, and financing is squared away.  Remember, there are three critical components involved in a modular build— Land, Money, House.  Before your House is ordered, the aforementioned Land and Money hurdles must be cleared. 

Required lot size, unsurprisingly, hinges on the size of the home you intend to build.  

We are extremely thoughtful and efficient in our approach to planning and executing a Set Day strategy.  We take pride in our ability to make the most of a small space. 

For a two-module home, meaning a sub~1500sqft Ranch or Cape with an unfinished upstairs, we’ll need at least a quarter of an acre of clear, level land.  For a larger, four-module home, we’ll need closer to half an acre, and so on.  

The following video clip will provide a good visual as to just how tight of an install we can execute.  This lot, at just 0.23 acres and in a dense lakefront neighborhood, left hardly an inch to spare.  

Unless you have enough savings to pay for your Modular Project in full, you’ll need to work with a lender. Most of our Customers use a type of loan called a “construction-to-permanent loan.” You will typically need a down payment of about 20% of the total cost of the project. It’s worth noting that, if you already own your land, you may be able to count it as part of your down payment contribution!

Your lender will analyze your application and tell you how much you are qualified to borrow (just like a traditional mortgage). Keep in mind- your lender is also your budgeting buddy! Submitting a loan application is like signing up for a financial check-up, and can prove a good exercise. 

If you’re interested in a Turnkey project and would like to be put in touch with a lending partner, we’d be happy to make a referral. 

If you intend to “self-GC”, rather than having us be the General Contractor, be advised that only certain banks will allow you to do so. If you’re having any trouble finding a lending partner, just let us know and we’ll try to help you get on the right track. 

For more details, check out our Guide to Construction Loans.  

Modular homes are extremely energy efficient, which makes them an ideal fit for the variable climate here in New England.  The controlled, indoor factory environment, repeatable processes, and rigorous quality checks make it easier to deliver tight building envelopes, high R-values, and low air-leakage compared with site-built homes. 

But here at SNEML, we go a couple steps even further.  Unlike most other modular builders, we include premium windows (Harvey ThermaLock) as our standard.  Beyond that, we build on precast foundations from Superior Walls, rather than poured concrete, which feature continuous insulation inside the foundation walls themselves— leaving no cold joints or energy leaks.

Have a particular vision in mind for your energy-efficient future home?  Get in touch and we’d be happy to work through your plans with you.

Not directly, but we can absolutely connect you with a great contact at a local (CT/RI) real estate agency who has their finger on the pulse so far as current market availability.  From there, we can help you to narrow down which lot(s) may be a good fit for building modular.  We will, free of charge, review Site Plans and provide feedback as to a lot’s viability as a modular building site.  We’ll call out any potential out-of-the-ordinary cost factors, bringing those to light before you follow through with purchasing of a lot. 

Once you have identified a lot that you feel may be “the one”, an On-Site Consultation will enable us to further sharpen our Preliminary Estimate, getting us closer to the true all-in cost to get your chosen home plan on your unique building lot. 

We offer a collection of value-priced homes that can be built Turnkey for under $450,000 plus the cost of land. These homes are all built to the same high-quality construction standards as our higher-priced homes.

It’s important to understand that the total cost for your Modular Project is unique and depends on where you’re building. However, if you are thinking of building in CT or RI and have a budget of about $450,000 plus land, there’s a strong chance that one of these homes will be a good fit for you.  Note: we’re assuming a reasonably flat and accessible lot that doesn’t need an extraordinary amount of site work or an extra-long driveway.  Amenities such as garages are generally not included at this price level, but can certainly be added if desired. 

If your current budget is tight but you are dreaming of particular amenities, don’t forget that we can work with you to master-plan your property up front. You can get into your new home now and have a plan to add those special amenities later.

Each of our homes, regardless of if a Deliver & Set project or a Turnkey project, come with all of the flooring, cabinets, vanities, countertops, tubs/showers, toilets, doors, and trim.  While you may upgrade or delete any of these items, included in our price estimates are our standard-level finishes, which include the following:

  • Flooring:  Sheet vinyl with sanded OSB subfloor.  Luxury vinyl plank is available as an upgrade.
  • Cabinets & Vanitites:  Wolf Dartmouth with Wolf crown molding.
  • Countertops:  Laminate.  Quartz and Corian are available as upgrades. 
  • Tubs/Showers:  60″ Clarion.  Specialty tile tubs/showers are available as upgrades. Moen faucets throughout.
  • Toilets:  Mansfield Alto comfort-height.
  • Doors:  Hollowcore 6-Panel interior doors with pine trim.  6-Panel Thermatru exterior doors with vinyl jamb.

When you delete an item, the factory does indeed credit you back, though not a huge amount.  The most cost-effective route will always be to accept the standard finishes.  However, you by no means have to.  We are happy to hold back items of your choosing, then source and install your preferred finishes following delivery of the home.

The best way to see our standard-level finishes is to visit us at our location in Colchester, Connecticut.  Here you can walk through a model home and physically touch and feel these items, which will then inform your decision as to how you’d like to spec out your new home. 

  • Time: Modular is significantly faster than traditional stick-building, in part because the house can be built at the same time as the foundation. With traditional construction, the house build can’t start until the foundation is complete.
  • Cost: Modular construction is generally less expensive than stick-building, due to increased efficiency, ability to buy materials in bulk, and the reduction of waste.
  • Quality Control:  As Modular homes are built in a climate-controlled facility, materials remain dry and fresh, not subject to extreme humidity or repeated wet/dry cycles as with a stick-built house.  As another measure of quality control, we only install Superior Walls foundations- a precast concrete panel foundation system that’s also manufactured indoors and with factory oversight.  
  • Lifestyle: Who knows what skeletons are lurking in that fixer-upper you’ve been looking at? Why buy a used home, when you could buy new while avoiding the hassles and risks of stick-building? By building Modular, you’re signing up for years of trouble-free, low-maintenance living…and, in some cases, in a home you designed!

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