Blend of efficiency, traditional designCrossMods are beefed up manufactured homes that are built to HUD standards and qualify for traditional 30-year mortgages, although they share the manufactured homes’ cost advantages over stick built and modular construction. Because they are built to HUD standards, they can qualify for 30-year mortgages and hold their value, unlike typical manufactured housing. CrossMods also have cosmetic design features such as porches and pitched roofs that separate them from manufactured housing, generally known as mobile homes or doublewides. More about modulars Could modular homes be built in the Adirondacks? They have been built by Champion Homes, a manufactured housing company based in the town of Sangerfield in Oneida County.