What I'm seeing in your responses is that people really don't know the difference between modular and manufactured. You would be surprised at how few realtors even know the difference. Both are brought in halves to be placed on a foundation. Manufactured have a metal I beam support structure, modular have a wood substructure. On a manufactured, there is a label (usually metal, sometimes paper) that identifies that is a HUD code home. It can be found on the tongue, on the front, inside a cabinet, or near the mechanicals. It has a title like a car, modulars do not.
They both come in different qualities, depending on what you want to pay. Manufactured are generally less expensive, while modulars can cost similarly to a stick built home.
As a modular is no different than a stick built home, there will be no problems w/financing or w/insurance. Financing for a manufactured is iffy, at best.