Author: Jeff Williams

Digital rendering of Momo Montana model home in a forest setting.

How does financing work with a Momo home?

Written by Jeff Williams on January 23, 2026. Posted in Finance.

A Momo home qualifies as traditional construction product for financing purposes.

You can work with your normal preferred lender for a home equity line of credit or one-time-close construction loan.

We also have a network of lenders and can make introductions if you like.

For ADU purchases, typical financing is via a home equity line of credit.

For home purchases, financing is through a one-time-close construction loan.

One-time-close loans have a number of benefits:

You qualify and close up front, with no second closing.
The loan is locked at the outset (no additional appraisal required after construction is completed.
Loans are available for both primary residences and second homes.
The budget may include closing costs for the construction loan.
Extended locks are available for 360 days.
Interest rate “float downs” are available on all construction products.
Upgrade contingencies are allowed.
Interest-only payment options are available during construction.

There are three types OTC loan programs you can choose from:

Conventional: 5 percent minimum down payment.
FHA: 3.5 percent minimum down payment.
VA: 100 percent financing available (based on your VA entitlement).

Hope that helps!

Let us know if we can answer any financing questions.

Come see our new home!

Written by Jeff Williams on January 21, 2026. Posted in Uncategorized.

If we seem a bit excitable these days, there’s a good reason.

Our Birmingham project (that’s it in the picture above) is days away from completion and it’s got us all feeling a bit giddy.

The landscaping is going in and the last interior tasks are being checked off the list.

Just about all that’s left to do is celebrate.

So let’s celebrate!

Can you swing by for a visit?

We’ll be hosting open houses from Jan. 30 through Feb. 21 and we’d love to see you there.

Please visit our open-house appointment page to schedule your visit.

While renderings and photographs can give you a sense of the innovation we’ve brought to the build, nothing compares to experiencing a Momo firsthand.

Thank you for being part of this journey. We look forward to sharing our new home with you.

— The Momo Team

Julio Martó, Charles Gale, Stewart Hall, and Ben Piggott seated at conference table.

Momo leadership meets with Panamanian minister

Written by Jeff Williams on January 15, 2026. Posted in Uncategorized, Momo Team.

How cool is this? Three of Momo’s senior leaders — CEO Charles Gale, COO Ben Piggott, and board chairman Stewart Hall — met yesterday with Panama’s minister of trade and industries, Julio Moltó.

The Momo team was there to highlight the strategic importance of Panama to Momo Homes and the benefits Momo’s success can bring to the Panamanian economy.

You can read the full story at the Panamá América website.

So what makes a Momo a Momo?

Written by Jeff Williams on January 13, 2026. Posted in Design, Cold-formed steel, Energy, Footings, Framing, Heating and Cooling, Roof, Solar Energy.

Quality. Durability. Resilience. Stability.

In other words, Momo homes are designed better and built better so they feel better to live in.

Which sounds good. But what does it mean exactly?

Let’s take a closer look.

Foundation: Built to last up to 400 years

Our 100 percent steel footings system works like a tree’s deep root network, securely connecting the foundation to the earth while resisting gravity, uplift, shear, and moment loads. The system is rated to seismic category D, the “high hazard” level of coastal California construction. Expected life of the system? Up to 400 years.

Frame: Hurricane-ready

Steel framing is entirely fire-resistant, mold- and pest-resistant, and is 100 percent recyclable. This means all our homes meet top green-building standards. Our homes are built to Miami-Dade wind standards (able to withstand gusts of up to 185 mph).

Roof: 10-foot snow loads? No problem

Steel here, too. Unlike traditional roofing materials, steel won’t warp or sag. While our steel roofs are lightweight, they’re also highly durable — lasting more than twice as long as composite-shingle roofs. And because they’re chemical-free, recyclable, and virtually maintenance-free, they’re a sustainable choice. Our roofs are designed for snow loads up to 100 lbs. per square foot (that’s about 10 feet of average, settled snow).

Cladding: You’ll never have to paint again

Fiber cement board is a low-maintenance product that won’t warp, crack, or fade. Due to its weather- and moisture-resistance, it helps prevent mold, swelling and rot. Fiber cement board is durable against fire, water, and extreme weather conditions, and virtually impenetrable to pests. Plus, it’s durable, lasting 50 or more years. You’ll never have to paint again.

Heating and cooling: Save energy, stay comfy

Every Momo home is engineered for energy efficiency, from insulation to appliances. We use a high-performance Bosch heat pump and Rheem hot water heater. A smart ComfortLink thermostat tailors temperature and humidity settings, so you save energy without sacrificing comfort.

Fully electric: Never pay another energy bill

Momo homes are fully electric, which affords high efficiency and a low carbon footprint. In fact, a fully electrified home with high-quality appliances dramatically reduces, or can even eliminate, electricity bills. Fully electric homes offer resilience and peace of mind during blackouts, as well as letting you take full control of your energy future, without relying on the grid.

SPAN smart panel: Full control over energy use. All Momo homes come with a SPAN smart panel, facilitating full control over your electrical usage.
Solar panels: Real-time insights. We use high-efficiency tier 1 solar panels from brands like REC, Silfab and Q-Cell, paired with Enphase microinverters, capturing and optimizing sunlight, panel by panel. Everything is easily managed through the Enphase Enlighten app, giving you real-time insights, usage reports, and full control at your fingertips.
Battery backup: Power during outages. Any surplus energy is stored in the Franklin Whole Home battery system, ensuring power is always available, even during outages. Each battery is 15 kWh and is an entirely modular system, allowing you to add as much storage as you’d like.
EV charging: Charge when it’s cheapest. The SPAN smart panel provides a clear view of your home’s power flow, and EV-ready wiring means your electric vehicle can run entirely on solar energy. We offer the SPAN level 2 EV charger that integrates with the SPAN smart electrical panel, allowing you to use excess solar to charge your EV and charge when it’s cheapest.

Extras: The beauty is in the details

Every Momo model offers: nine-foot ceilings, solid-core doors, heated towel racks, and aluminum window frames. Plus: fully assembled, custom made-to-order cabinetry designed to last a lifetime.

The Momo Max package includes Bosch appliances and heated floors.

Single-family-home models include laundry rooms, full-size primary bathrooms, and walk-in closets.

Momo Homes Luna with Solar package. Home shown under a menacing sky.

Engineered for Miami hurricanes, L.A. earthquakes, and Buffalo snowstorms

Written by Jeff Williams on December 31, 2025. Posted in Design.

We would love for you to know how well Momo Homes are engineered.

But we would hate for you to know just HOW well Momo Homes are engineered.

That’s because we hope you never experience a hurricane, earthquake, or monster snowstorm.

Still. Nature happens.

That’s why Momo homes are

built to Miami-Dade wind standards (able to withstand gusts of up to 185 mph)
rated to seismic category D, the “high hazard” level of coastal California construction
designed for snow loads up to 100 lbs. per square foot (that’s about 10 feet of average settled snow)

In other words, every Momo home is engineered for Miami hurricanes, L.A. earthquakes, Buffalo snowstorms … and the future of homebuilding.

While we hope you never have to endure any of those events, but isn’t it reassuring to know your home could endure them just fine?

With our best wishes for a peaceful, healthy, and prosperous new year …

— The Momo Homes team

What happens to a steel-framed Momo home during a hurricane? Nothing.

Written by Jeff Williams on December 18, 2025. Posted in Framing, Build Process, Uncategorized.

Thinking about building your dream home in an area prone to hurricanes?

Think Momo.

Momo homes are engineered to the “high velocity hurricane zone” designation of the Florida Building Code — the nation’s most stringent wind-resistance standards.

Those standards, also known as the Miami-Dade standards, mean that buildings can withstand gusts of up to 185 mph. For context, that’s a category 5 hurricane. In fact, since a storm reaches category 5 when wind speeds hit 157 mph, it’s an extremely powerful category 5 storm.

The National Hurricane Center describes what kind of damage you can expect in a cat 5 storm:

A high percentage of framed homes will be destroyed, with total roof failure and wall collapse. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Most of the area will be uninhabitable for weeks or months.

That’s the kind of event a Momo home is designed for.

And every Momo comes solar-ready. So, if you opt for one of our solar packages, not only will you have shelter from the storm, you’ll be able to keep the lights on.

Let’s raise a cup of cheer to the original panelized homes

Written by Jeff Williams on December 12, 2025. Posted in Panelized Construction, blog, Build Process.

This holiday season, millions of families around the world will be participating in that time-honored ritual of panelized-home construction known as making gingerbread houses.

The tradition as we know it started in the 1600s in present-day Germany, and got a boost two centuries later with the Grimm brothers’ publication of “Hansel and Gretel.”

These days, the activity is as popular as ever, with millions of gingerbread-house kits being sold every year.

What’s remarkable is how much of the panelized build process those early 17th century bakers got right.

Consider …

Gingerbread houses are manufactured offsite, where their components are created by experts at a dedicated facility.
Home components are precision-crafted. Each is made from high-quality ingredients and shaped to exact specifications.
The houses take advantage of flat-pack shipping. Panels, joinery, accessories, fasteners, and the like are fitted securely into shipping containers for easy, efficient distribution.
Homes are delivered directly to the build location for onsite assembly.
Builds can be completed quickly with small teams of nonspecialist workers.
The homes are designed to be both functional and beautiful.
Each home kit includes everything you need to build the house.
Gingerbread houses are sustainably built.

Of course, gingerbread houses have issues that limit their practical application. They have no foundations. They dissolve in the first substantial rain. And the fairy-tale-witch market is quite limited.

Fortunately, we’ve solved those problems — with steel footings, durable frames and cladding, below-market pricing, etc. — while keeping everything that makes gingerbread houses so amazing.

Full disclosure. While Momo homes look good enough to eat, only gingerbread houses actually are.

We wish you and yours a delicious holiday this year.

Cheers!

— Your friends at Momo Homes

Photo: Isabela Kronemberger

When you buy a Momo, everything’s included and everything is awesome

Written by Jeff Williams on December 4, 2025. Posted in Shipping.

Just when the current housing market might have you ready to settle for anything, we’re here to give you everything.

Whether you buy a Coastal, a Montana, an Umbra ADU, or any of our other designs, you get a complete kit — everything you need to build the house. And everything is delivered directly to your lot six months from permit approval.

Maybe you’re thinking, “Wait, everything everything? That can’t be true.”

Technically, you’re right. We don’t include some common items that make a house a home.

Like puppies. You’re on your own there.

So, for the sake of clarity, we include everything you need to build your house, Like …

The foundation, the frame, and the roof. High-end windows and doors. Insulation, drywall, and cladding. Heated bathroom floors. Designer lighting through the house. Bosch appliances, including a panel-ready fridge, panel-ready dishwasher, and induction cooktop. A SPAN smart electric panel. Plumbing. HVAC line sets, condensate drains and refrigerant. Electrical wiring, outlets, and switches. Heat pumps and hot water tanks. Screws and bolts. Tape, mud, adhesives, and tile grout. And paint. And more.

Plus, we give you endless customization options, so you can pick the appliances, fixtures, finishes, and energy packages that suit your needs and taste.

So why settle for something when you can have everything?

The Earth spins at 1,000 mph — your home should grip it tight

Written by Jeff Williams on November 28, 2025. Posted in Uncategorized.

To be clear, a thousand miles per hour is how fast the Earth spins near the equator. In most of the United States, it’s around 700 mph, give or take.

Still, that’s pretty fast.* So it doesn’t make sense that your home rides a flat slab of concrete. Especially given the way concrete slabs can sink, buckle, crack, break, and slide. It doesn’t make sense to us, anyway. We think homes ought to have a firm grip on the surface of the planet.

That’s why ours do.

Momo’s 100-percent-steel Surefoot system works like a tree’s deep root network, securely connecting our foundation to the earth while resisting gravity, uplift, shear, and moment load (a rotational force).

The Surefoot system (AKA the “metal tree stump”) spreads its footing over a greater

surface area than the standard foundations used in stick-and-brick homes, achieving larger load capacities faster and more cost-effectively.

Even better, Surefoot footings provide a stable base in any penetrable soil: sands, silts, clays, small gravels, and even solid rock.

Best of all, a builder can install a Surefoot in about half the time of a conventional

foundation. Which saves them time and you money.

And nobody goes whirling into space.

*FYI: It’s about the speed of the fastest-ever land vehicle, the Thrust SSC, which broke the sound barrier.

Reindeer peering out from behind tree trunk.

Reindeer-ready rooftops come standard

Written by Jeff Williams on November 21, 2025. Posted in Roof.

The largest reindeer can weigh more than 550 pounds, so it’s important — especially this time of year — that your home have an extra-sturdy roof.

Like the kind that comes standard on every Momo home.

All Momos come with a seam metal roof, which we chose for its strength, longevity, easy integration with solar, and reindeer-bearing capabilities.

Unlike traditional roofing materials, steel doesn’t warp, sag, or rust. So it’s unlikely to be damaged by the hooves of flying ruminants. While our steel roofs are lightweight, they’re also highly durable — lasting more than twice as long as composite-shingle roofs.

Our metal roofs are also solar-ready by design. (No drilling or cutting into your roof to install panels.) And because they’re chemical-free, recyclable, and virtually maintenance-free, they’re a sustainable choice.

And by the way — If you’d like to celebrate the holidays next year in a more reindeer-friendly home, take a look at our Home for the Holidays offer, going on through Dec. 15. We can lock in your price for as long as three years AND have your home finished next summer.

All in all, steel is a perfect choice for your roof. It’s good for the home. It’s good for the reindeer. And it’s good for you.

Every homeowner deserves a hoof-proof roof.

Photo by Shepherd.