Which type of housing allows for regular mortgage financing?

The correct choice is modular home because modular homes are constructed in sections in a factory and then transported to a permanent site for assembly. They are built to conform to the same building codes and standards as traditional site-built homes. This means that they are eligible for conventional mortgage financing, just like single-family homes.

In contrast, mobile homes, also known as manufactured homes, might have different financing options due to their construction and how they are categorized by lenders. Single-family detached homes are also eligible for regular mortgage financing, but the question is specifically focused on identifying the type of housing within the context provided. Condominiums can also qualify for regular mortgage financing, but their financing process can differ slightly due to homeowner association rules or financing requirements.

Thus, while other housing types may not be entirely ineligible for mortgage financing, modular homes distinctly align with the criteria for regular mortgage financing based on their durability and construction standards.