Again, not true. I had one, it was treated exactly the same as a site-built home with both insurance and lenders. I refinanced it a couple times and the modular factor never came up. Nor did it when I sold it.
Maybe it is a regional thing, but here, in my circumstance, it was treated exactly like a site-built home.
Honestly, the one thing that would prevent me from building/buying one, if I wasn't absolutely sure I would never sell, is the amount of stigma and ignorance there is around them. That is real, as is evidenced by this conversation.