4631 Moorefield Memorial Hwy, Pickens, SC 29671Move-in readyest. $1,384/mo · $219,0007% APR · 30-yr · 5% down · estimate, not a loan offerCavco-exclusive dealer · Upstate South Carolina
Modern Homeownership. Simplified.
We structure every manufactured home for a real mortgage — permanent foundation, title retirement, HUD compliant — so you finance with FHA, VA, or USDA on 30-year terms and build real equity.
Start with your situation
I already own land
Put a mortgage-ready home on your parcel. We check the fit, utilities, septic capacity, and permits first.
Build on your landI need land and a home
Browse priced land-home packages — a specific home on a specific lot, structured for a real mortgage.
See land-home packagesI'm not sure yet
A free 30-minute phone call to map your land, budget, and financing path. No pressure.
Book a call
Land-home packages
Priced as a monthly payment, not just a sticker
- $1,384/mo est.$219,000 · 7% APR · 30-yr · 5% downEstimate, principal & interest only — not a loan offer.Move-in ready
4631 Moorefield Memorial Hwy, Pickens, SC 29671
Pickens County · 3 bd · 2 ba · 1,600 sq ft · Double-wide
$1,485/mo est.$235,000 · 7% APR · 30-yr · 5% downEstimate, principal & interest only — not a loan offer.Move-in ready413 Wilkie Rd, Gaffney, SC 29340
Cherokee County · 3 bd · 2 ba · 1,600 sq ft · Double-wide
$1,612/mo est.$255,000 · 7% APR · 30-yr · 5% downEstimate, principal & interest only — not a loan offer.Move-in ready229 Starr Ridge Rd. Gaffney SC
Cherokee County · 4 bd · 2 ba · 2,001 sq ft · Double-wide
*Estimated payment: principal and interest only, 7% APR, 30-year term, 5% down. Taxes, insurance, and mortgage insurance not included. Not a loan offer.
Why it matters
A real mortgage vs. a chattel loan
A chattel loan finances the home only, like a vehicle. A Modera home is structured as real estate, so it can be financed the way a site-built house is.
| Feature | Modera land-home package | Typical dealer chattel loan |
|---|---|---|
| What it finances | The home and the land, as real estate | The home only, as personal property |
| Title | Retired — the home is real property | Vehicle-style title stays with the home |
| Term | Fixed terms up to 30 years | Typically shorter |
| Programs | FHA · VA · USDA · conventional | Dealer or specialty lender |
| Equity | Builds in the home and the land together | Limited — the loan treats the home like a vehicle |
General education, not a commitment to lend or a guarantee of approval. Programs, eligibility, rates, and terms are set by third-party lenders. Modera Homes is not a mortgage lender.
Payment estimator
$1,384/mo est.
$219,000 · 7% APR · 30-yr · 5% down ($10,950) · FHA · as of Oct 2026
Estimate only. Principal and interest; taxes, insurance, and mortgage insurance not included. Not a loan offer or approval.
How it works
Five steps from land to keys
- 1
Pick your land and home
A Modera lot or your own, and a Cavco floor plan that fits it.
- 2
Line up financing
Structured for a real mortgage — FHA, VA, or USDA on 30-year terms.
- 3
Permits and site work
Clearing, foundation, utilities, and county permits — handled.
- 4
Delivery and set
Your home is delivered and set on a permanent foundation.
- 5
Move in
Final connections, inspections, and keys — then it is yours.
Cavco floor plans
Pick a layout, then pair it with your land
Where we build
Build-ready lots across seven Upstate counties
Pick a lot, then choose a home that fits. We handle clearing, foundation, delivery, and connections.
- Permanent foundation
- Title retirement
- HUD compliant
- 30-year terms
Free 30-minute phone consult
Talk it through with a Home Consultant
Map your land, budget, and financing path. No pressure, no obligation.