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- What is a manufactured home?
- A manufactured home is the proper term for any such home built to HUD Code standards. The HUD Code was adopted by Congress in 1974 and went into effect on June 15, 1976.
- What is a mobile home?
- “Mobile home” is the term used to describe homes built before June 15, 1976 when the HUD code went into effect. The term should not be used to describe homes built after June 15 of 1976.
- Are manufactured homes mobile?
- Most any home can be moved. The steel frame under a manufactured home makes its relocation, should it be necessary, easier. Manufactured homes can either be placed on a lot with a permanent foundation, and on leased or owned land.
- What is the difference between modular and manufactured homes?
- Modular homes are built to the state, local or regional code where the home will be located. Modules are transported to the site and installed. A manufactured home is a single-family house constructed entirely in a controlled factory environment and built to the federal Manufactured Home Construction and Safety Standards (HUD code). The most recent amendment to the HUD Code is the Manufactured Housing Improvement Act of 2000 (MHIA 2000).
- Are manufactured homes permanent?
- Manufactured homes can be sited on a parcel of land just as a home can be built there. In this case, they can be designed so as to be indistinguishable from conventional site built homes. Manufactured homes can also be placed in a land-lease community where the home is owned and placed on leased land. Current regulations for new homes require a manufactured home to be sited on a permanent foundation. Current HUD Code construction standards and events like the hurricanes in Florida of 2004. (More on this: See article) demonstrate that today’s manufactured homes and installation standards are on par with or many times superior to conventional construction.
- Are manufactured homes safe?
- Yes. Manufactured homes are built to the HUD Code which is a performance based construction and safety standard. Homes are built to regional conditions. Research has shown manufactured homes can withstand weather events like hurricanes as well as or better than site-built homes.
- Are manufactured homes energy-efficient?
- Yes. All manufactured homes have specific energy efficiency standards set by the federal government in the HUD Code. For example, manufactured homes built after October, 1994 are required to be insulated to the geographic zone they are designed for, must have double-pane windows and must have ventilation fans in kitchens and bathrooms. While the HUD minimum standards are helping to reduce energy costs for manufactured home buyers, several manufacturers are building homes that far exceed the minimum HUD insulation standards, and that have advanced energy-efficient ventilation systems to maintain healthy indoor air quality even with very tight construction. Such homes use 30-50 percent less energy for space heating than homes built to the minimum HUD standards. Several manufacturers are partners in the Energy Star program. An Energy Star qualified manufactured home is a home that has been designed, produced, and installed in accordance with Energy Star’s guidelines by an Energy Star certified plant.
- Is it more difficult to finance the purchase of a manufactured home?
- No. Manufactured homes not situated on owned land are considered chattel. Chattel is a real estate industry term used to describe property not legally tied to the land where it may be permanently sited. Buildings affixed to land are known as real property. Financing a manufactured home as real property is much the same as financing any other home. Loans on chattel may have fewer financing options and have higher interest rates than conventional property loans, but we have access to companies that offer competitive rates and terms.