Doublewide or modular?

by clint
(Barbour county, WV)

We are in the process of purchasing our first home. but we have hit a snag. our lender wont finance us if the house is a doublewide. the seller and agent say that it is a modular......and the seller's homeowners insurance has it insured as a modular. But ive read online about the differences between doublewides and modulars.....and the house we are looking at has lots of steel underneath. It does have a foundation....about 6 block courses high..... and wooden joists going the width of the house under the steel that are made into the block foundation. sooooo what is this house? a "double wide" or a "modular"????? help please!!!!!