Information on Manufactured Housing

I am certified and approved with three lenders for Manufactured Housing.

I have taken the AI course on Manufacture Housing, Manufactured Homes Association Course on Manufactured Housing.  Have toured a number of Modular and Manufcatured Housing Plants in Wisconsin and Iowa.

If you don't have a source for Manufactured Home Financing

Please contact us and we will refer you to banks that finance

Manufactured and HUD Code Homes

 FACTORY BUILT HOMES: 

Mobil Home ========== Today’s mobile homes are those homes that are pulled behind a towing vehicle; they are used for camping and touring.  Some may be park models that are parked in RV parks.  Most are used for recreational purpose as short term housing.  They are not covered under HUD or local or state building codes.

 Manufactured house.  This is the most complete of the factory-built houses, available usually in one or two pieces needing only to be anchored to a foundation and connected to utilities.  Manufactured homes, as defined by the federal government, must meet the requirements of the Department of Housing and Urban Development.  These "HUD CODE" homes thus avoid state and local building code requirements.  In practice, manufactured homes often are referred to as mobile home or trailers, even thought their mobility may be limited to the journey from factory to construction site.  These homes are engineered and are on a steel frame that is not removed from under them.  The axles, wheels and tongs are removed.   Heating, cooling, water heaters will all be found above grade.  These homes will have a HUD Sticker attached to both the outside and inside of the home and are not to be removed.     

Modular house.  This type of housing, which must meet state and local building code requirements, comes from the factory in a single or multiple room sections, which are then fitted together at the construction site.  These homes are built in weather tight conditions at a plant and hauled to the site.  They will not have a state undercarriage when placed on a foundation. Heating and cooling units in most case will not be built into the construction of the unit and will be found in the basement area. They will equal the quality of an on site stick built home and in a lot of cases will surpass they quality of some stick built on site homes.  They will have no HUD sticker as they must meet the local and state building code. 

There are also on steel frame Modular housing do not mistake these with HUD Code on Frame manufactured homes.

  Penalize House.  Entire wall units, complete with electrical and plumbing installation, are constructed at the factory and transported to the site where final assembly begins.  With the foundation laid, the house can be enclosed within a week. These homes are also not on a metal frame. State and local building code requirements must be met.    The subject is what is referred to as a "Wick Home" it is factory built in sections and hauled out to the building site and assembled on the foundation.

A Park Model is 14' or narrower and 40' or shorter and is not built to either HUD building code or any site building code like UBC or BOAC or CABO or any other site building code. They are constructed to whatever codes the motor vehicle department for the state where they are constructed will require. Therefore it will not be eligible for Fannie Mae or Freddie Mac or FHA. It might be able to be financed with a VA loan since they will accept pre-1976 mobile homes. They are very common in age restricted parks and subdivisions in Arizona and typically owned by snow birds. Although some of them are lived in the year around because they are well insulated for the hot summers and do have all the amenities that a HUD code manufactured home has. Some have quite elaborate interiors, very comparable to a site built individual condo or patio home. Hardboard siding is the most common, with stucco exterior or vinyl clapboard siding occasionally. T The only difference between a site built patio home and a Park Model is the Park Model has a steel undercarriage. The site built patio home is built on a concrete slab. Cavco plant in Phoenix is now building them so they look like log cabins because since 9/11 the snow birds to Arizona have slowed down. With the log cabin look they can sell those to people that want a cabin up in the mountains somewhere and they blend into the surrounding forest.

Call us for your Manufacture Home Appraisals 

1-608-524-0365

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auction@execpc.com

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1-608-524-4532