More and more dream homes have gone inside — at least for all or part of the construction phase — as curious consumers research and locate the new creative designs, energy-efficient features, often lower costs and environmentally controlled production of prefabricated residences. And, the finished product absolutely demolishes the preconceived notion of a “kit.” Modular, manufactured, structural insulated panels and other types of “prefab” housing are reaching a growing segment of new-home buyers yet they are very different in the way they are built. The built-to-be-towed house — in a custom, preassembled package or enclosed finished unit — has changed dramatically, and so have its occupants. For example, modular home builders have begun to target last-time home buyers: customers who know what they want and are willing to pay outside the “affordable” range.