We're doing a major rewrite of our "Pros and Cons of Modular Homes" guide. Our reader research shows that people considering modular homes are skeptical about manufacturer cost claims, confused about financing (especially construction-to-permanent loans), and worried about resale stigma. We're looking for: * Modular home builders or GCs who manage the full set-and-finish process (not manufacturer sales reps) * Construction lenders who originate construction-to-permanent loans for modular builds * Real estate agents or appraisers with modular home transaction experience Questions: 1. What's the typical gap between the "base price" a modular manufacturer advertises and the actual all-in cost a buyer ends up paying? What line items tend to surprise people? 2. When does building modular genuinely save money compared to stick-built — and when does it not? How much does the answer depend on location? 3. How do construction-to-permanent loans work for modular builds? Is the shorter build timeline a real financial advantage, or is that overstated? 4. At resale, do modular homes appraise and sell the same as comparable stick-built homes? If not, what drives the gap — the home itself, or buyer perception? 5. What's the single most important question a buyer should ask a modular home manufacturer before signing a contract?