What is a manufactured home and how does it differ from a modular home?

(I do have contacts in the lending industry who will lend on HUD/MFG Homes.  Please contact me if you are looking for a lender>)

I am on several nation wide bank fee panels for HUD Code/MFG housing.  If you are having a problem finding a soure to fund your MFG home besure and contact us.

A manufactured home (also known as a mobile home) is a single or multi-sectional home built on a permanent frame, like a steel undercarriage/chassis, with a removable transportation system (hitch and wheels). The unit is permanently attached to a site-built foundation and is subject to the 1976 federal standards established by the Department of Housing and Urban Development (HUD).  The pre 1976 manufacture homes (known as Mobil Homes) were not HUD Code.  Most HUD Code homes take special financing, so check with your lender if they will issue a mortgage on a HUD Code home.

A modular home is constructed in a factory using conventional home floor joists and delivered to a site on a trailer or flat bed truck. The delivered home may be in the form of panels that are assembled at the site, may be pre-cut and assembled on site, or may be pre-built and delivered in one piece. The home, panels or pre-cut panels are lifted from the trailer and attached to a foundation. A modular home may be single or multi-storied. Modular homes are not subject to HUD standards, but must be built to state and local Uniform Building Codes.

There are many types of Manufacture Housing, panelized, modular, park models, HUD and etc. Be sure you know and understand what code your home is built too.

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