SITE BUILT HOMES
A Site built home is built from the ground up, and built entirely on the home’s site.
A Modular home is built at a factory.
Modular homes are built to exact state, local or regional building codes (UBC or IBC) at their destinations.
Modular homes are transported to their designated site on truck beds, and then joined together.
Modular homes, compared to a site built home, are less expensive per square foot.
Manufactured homes are formerly referred to Mobile Homes.
Manufactured homes are constructed in a manufacturing factory.
Manufactured homes are constructed to exact federal building code (HUD) rather than to the building codes at their site.
Sections of the Manufactured homes are delivered to the site on their own wheels.
Manufactured homes generally are less expensive than that of a Modular or Site built home
What is a Modular home?
A Modular home is a highly engineered home that is built to site regulations in the manufacturing facility. Modular homes are built in sections then put together on-site, when delivered.
How are Modular Homes constructed?
Modular homes start with a design phase. Most Modular home manufacturers use the aid of state-of-the-art computer design programs. Once the home has been designed the building phase can begin. The construction process for Modular homes is similar to that of a site built home. The quality materials and attention to detail and building codes are the same as that of the standards of Site built homes.
How Long Does the Building Process Take?
Speed, efficiency, and quality are a few of the advantages of Modular housing. On average, a Modular home that consists of two sections usually can be completed in the manufacturing factory within 4 to 5 weeks. After the manufacturing phase is completed, usually with interior finished, down to the carpet, cabinets, and flooring the home must be transported to the site’s pre-constructed foundation. Modular Homes nowadays are built with efficiency, and quality in mind.
What is the Difference between a Modular Home and a Manufactured Home?
Manufactured homes, usually referred to as mobile homes, are built to a different building code. This code, the ‘Federal Construction Safety Standards Act’ (HUD/CODE), unlike conventional site building codes, requires that a manufactured home be constructed on a non-removable steel frame. Some communities do have restrictions on whether a Manufactured Home can be placed there or not.
Modular homes and Site built homes, are constructed within the same building code as required by the state, county and/or specific location and therefor is not restricted by building or zoning regulations. Upon completion of each phase of the Modular home it is inspected at the manufacturing factory. Evidence of the inspections are shown by the application of a State or inspection agency label of approval.
What Do Modular Homes Look Like?
Modular homes look like Site built homes. Today’s technology in building allows for Modular manufactures to build most any style of home from simple ranches to highly customizable contemporary homes. Homes are not the only thing that a Modular Manufacture can produce, they are always busy building banks, schools, office buildings, motels and hotels. It is highly likely you have stepped into many modular buildings and never noticed.
Can I Design My Own Modular Home?
Many of our manufactured homes have been designed by the consumer. But something to keep in mind is every manufacturer is different. The engineering capabilities and product specifications will vary from company to company
Is a Modular Home Better Than a Site Built Home?
With Modular housing you get control of quality and efficiency. The modern manufacturing factories provide efficiency. Your Modular home travels through various workstations that complete each phase individually, with all building trades represented. Progress is never delayed by bad weather, or no-show subcontractors, even missing materials are not a problem. The quality of controlled building environments provides 100% assurance that your Modular home is built to premium energy efficiency. A quality controlled process assures you that 100% of your Modular home has been inspected for code compliance and excellent workmanship.
Are Modular Homes Difficult to Finance or Insure?
There is no definite distinction between the Modular and Site built homes in the area of appraisal or financing. Lending offices and banks treat both Modular and Site built homes as the same. In-turn there is no difference when it comes to insuring a Modular home.
What Do Modular Homes Cost?
After adding all of the material costs, time savings, and labor costs, you will find that the price of a Modular Home versus a Site built home will generally be less than that of a Site built home of comparable size. Not to mention the money you will save on your energy bill, because of the energy efficient home it will save you money year after year.
Why Should I Consider a Manufactured Home?
If you are looking to get more “House” for your money, then we strongly recommend that a manufactured home is something you look into. Going in to a home can be a big step, so this is the question most consumers ask themselves. Depending on the region of the country, to build a manufactured home could cost 10 to 35 percent less per square foot to build a manufactured home versus a site built home. Manufactured homes today offer the quality construction and modern amenities and livability as most site built homes.
How is a Manufactured Home Different from A Site Built home? Isn’t a ‘Manufactured Home’ just a fancy way of saying Mobile Home?
A Manufactured home is built entirely in a controlled manufacturing factoring where it is a controlled environment, which means there are no delays in the building process I.E no rainy days, or contractors who don’t show up to the site and is always built to the standard HUD code. A site built house is built on site using traditional which meet the sites standards, and is built to the site’s requirements.
The HUD Code was established in 1976, a stringent series of construction and safety standards that ensured that a manufactured home would be superior to that of an ordinary ‘Mobile Home’. Today we see a drastic difference in Manufactured homes than that of when they first started building the Manufactured Home. Manufactured homes today are indistinguishable from site built homes since the changes have made the designs, floorplans, and amenities are relatively close in style to that of a site built home.
Today’s manufactured homes are available all across the world, and are built to fit your needs.
What Is The Role Of The Retailer In Purchasing A Manufactured Home? Can I Buy A Home Directly From The Manufacturer?
Most Manufactured homes are sold directly through the retail centers. Most retail centers are independently owned and operated. Others are owned and operated directly by the manufacturer. Some States you can also buy a manufactured home from the community owner, developer or if purchasing an existing home, a real estate agency.
Retailers offer the convenience of having to go through the bureaucracy of the Manufacturer itself, and are usually a good ways from the Manufacturing Facility itself. Usually, the retailer is responsible for the delivery and set up. The Retailer can also assist in the financing and insuring of the home. Also the retailer is usually the contact needed for warranty issues.
Moreover, most states, by law, do not allow the purchase of a manufactured home directly from the Manufacturer.
How Can I Be Sure That A Manufactured Home Is A Quality-Built Home? Do Manufactured Homes Use The Same Building Materials and Process As That Of A Site Built Home?
Manufactured Homes are most certainly built with the same materials as site built homes, in a controlled facility that allows for better results than if it was built on site, outdoors. Weather permitted your site built home can be built. The HUD Code monitors and regulates the design, transportability, fire resistance, overall quality, durability, strength, and construction of all Manufactured homes. HUD also ensures compliance with all of these standards with a thorough inspection of the home before it is delivered to the site.
There are major benefits to having your home built in a factory:
All aspects of the construction process are quality controlled.
The weather does not interfere with the construction of the Manufactured home, which can cause costly delays, warp, and/or damage the building materials.
All technicians, craftsmen, and assemblers are on the same team and are professionally supervised.
Inventory is better controlled and materials are protected from theft or weathering.
All construction materials, as well as interior features and appliances, are purchased in volume for additional savings.
All aspects of construction are continually inspected by not one, but several, inspectors.
Is The HUD-Code Less Stringent Than That Of State Or Local Building Codes?
No. There are some differences between the two codes, these differences deal with how the codes are intended to operate. State and/or local building codes are more prescriptive on which lumber to use, how the building must be laid out for plumbing, electric, etc. . Whereas the HUD Code is based more on performance of the home allowing the manufacturer to use products that comply with the factory’s building process as long as the products perform according to the guidelines that have been established in the HUD Code.
Independent analyses and studies have shown that comparing the state and/or local building codes with the HUD Code have found that “on balance, the codes are comparable.” And “the net cumulative effect of the differences between the two codes is more likely on order of hundreds of dollars, rather than thousands of dollars per unit.” Most cases, local and/or state codes are more restrictive, than that of the HUD Code, in situations of ventilation, flame spread, and structural loads.
Can I Customize A Manufactured Home To Meet My Particular Needs and/or Wants?
Today’s Manufactured homes have standard features that you would generally find in a Site built home. Many floorplans, styles, and designs are available with Manufactured homes. There are also many exterior choices with Manufactured homes.
Your lifestyle, budget, and wants are your only limitations when it comes to purchasing a Manufactured home.
Are There Limits On Where I Can Locate Or Place A Manufactured Home?
Many towns, and cities are still stereotyping with outdated perceptions on manufactured homes as your typical ‘Mobile Home’. However counties are now recognizing the well rounded manufacturing design, and construction of the Manufactured home, and are becoming more open to the idea of building manufactured homes and placing them on land, and in communities.
When purchasing a manufactured home remember these guidelines before purchase:
Check the zoning regulations in the area of which you plan to deliver your manufactured home.
Who Takes Care Of Installing A Manufactured Home? Can I Do It Myself?
Most states have governed the installation of a new manufactured home. Your retailer or subcontractor will be responsible for the installation of the manufactured home. The installation process will follow exact state regulations. Every Retailer and subcontractor is required by the state to be licensed in the installation process for a manufactured home.
Depending on the type of loan that was used to finance the home, the lender may have some specific requirements for the foundation and installation of the manufactured home as well.
Are Manufactured Homes Covered By A Warranty? Who Do I Contact To Service Problems Covered By A Warranty?
Most manufactures are offering warranties to guarantee your satisfaction, the quality of the product, and major heating and cooling systems of the home for a specified time. The warranty on manufactured homes varies between materials. Most usually range from one to five years. The warranty also specifies for the consumer what to do, and who to contact should the need arise. Makers of the appliances also offer full lifetime warranties as well. There are a lot of differences in the many warranties, and all of them should be provided to you in writing.
Be sure to contact the retailer of the manufactured homes, because of their distinct responsibilities in the installation and servicing of the manufactured home.
Will A Manufactured Home Appreciate In Value?
Generally, with all homes, it is a good investment and will appreciate or depreciate accordingly, just like any site built house. Supply and demand play a huge role in the appreciation values of a home, and the general upkeep, and location.
What Kinds Of Financing Are Available For Manufactured Homes?
As there are choices in site built homes so there are in manufactured housing. Loans and down payments are similar to that of a site built home. 5 to 10 percent down is usually required as a down payment of the sales price of the Manufactured Home.
Upon buying land and home together, or placing the home on land that you currently own, some financial institutions offer traditional real estate mortgages with similar interest rates.
FHA- insured and Department of Veterans Affairs (called FHA or VA) loans are also available to manufactured homebuyers. These types of loans sometimes offer lower interest rates or lower down payments if it is available in your area.
Will I Be Able To Insure My Manufactured Home?
Yes. Several insurance companies specialize in offering coverage for Manufactured homes.
Are Manufactured Homes More Susceptible To Fire Than Site Built Homes?
No. Manufactured homes are no more susceptible to a fire hazard than any site built home. A national fire and safety study shows that site built homes are more than twice as likely to experience fire than Manufactured homes.
Are Manufactured Homes More Vulnerable To Damage From Tornados And Hurricanes?
Whilst many people joke about “mobile homes attract tornados.” There is no solid proof on the myth, and there is an easy explanation on why there are more reports of damage on manufactured homes. Most Manufactured houses are placed in rural and suburban areas where tornadoes are most likely to occur.
As to hurricanes, valuable lessons were learned with the devastation that Hurricane Andrew ensued in 1992, which destroyed over thousands of manufactured homes. Standards have been raised for a Manufactured home being built to deliver to a hurricane prone area.
Another factor to consider is that proper installation and anchoring of a manufactured home is the key element as to how a Manufactured home with perform in severe weather conditions.
Can I Make Repairs/Renovations On A Manufactured Home The Same Way As With A Site Built Home?
You should perform minor repairs and upkeep on the home, just the same with any site built home. It is extremely advisable that you hire a professional to work on more extensive repairs.
Once the home has left the manufacturer’s factory, the HUD Code does not include provisions for addition alterations.
An approved addition should be freestanding from the structure and that addition should meet the local building codes.
Any failure to comply with the manufacturer’s instructions on maintenance can void your manufacturer’s warranty.
Are There Any Other Special Considerations I Should Know About Before Purchasing And Living In A Manufactured Home?
As with any home, your mortgage will be your biggest expense, but does not exclude you from paying the basic periodic expenses like water, sewer, electricity, property tax, and service fees.
Theoretically, manufactured homes can be moved after the initial delivery and set up. It is not common or advisable to do so. Relocating should be done by professional transporters. Never try to move your manufactured home yourself. Cost is another consideration with moving your home. Other than transport fees, and licensing fees you will have to pay for the pouring of a new foundation, installation and utilities.
Where Can I find More Information On Manufactured Housing?
To learn more about Manufactured housing, contact the:
Manufactured Housing Institute
2101 Wilson Boulevard, Suite 610
Arlington, VA 22201-3062