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Manufactured Home Parts And Supplies: Why Buying A Manufactured Home Is A Great Idea


For those who are thinking of buying a mobile or manufactured home, you are bound to realize that a lot has changed in terms of how the homes are utilized, constructed and perceived by communities as well as the market place. For starters, it is important to note that today’s manufactured homes lie somewhere between the current modular homes and the mobile homes of the past. Usually single –story, these units usually come in triple wide or double wide configurations which are roomier and more house like than the narrow, single-wide narrow trailer. Even though mobile homes are a type of manufactured home, it is important to note that from a purely industry standpoint, the term 'mobile home’ does only apply to units built before June 1976 when the HUD code (Federal Manufactured Home Construction and Safety Standards)went into effect and defined stringent and rigorous guidelines for these homes. It is worth mentioning though that the terms are and can still be used interchangeably to mean the same thing. 

In this regard, while it involves a commitment in terms of finances, time and effort, this type of homeownership has a variety of distinct and unique, attractive advantages which make buying a unit such a great idea for anyone who may be inclined to do so. These include but are not limited to the following;

These homes tend to be more affordable than traditional or conventional houses. This is because most of the parts that make up these homes can be affordably assembled at factories and assembly lines. Because assembly of the units is conducted in a rather controlled environment, there are very few if any costly interruptions related to the manufacturing process. On the other hand, if you opt to construct a house on site, your work may be interrupted due to poor weather or lack of some manufactured home parts and supplies. Builders may also be negatively affected as they stop their work to await inspections from the relevant authorities. All these factors have a financial implication which is usually transferred to the overall cost of traditional homes and reduced from the cost of these manufactured units. 

Secondly, the mobile units are quite rich when it comes to variety. With some of the leading global brands such as Fleetwood, Oakwood, Clayton, Schult, Titan, Champion, Live Oak, and Cavalier significantly improving their product offering by introducing new models, sizes, colors and other add-ons. This not only gives the buyer more options, but also ensures that the end product is of high quality, durable and affordable as well. This is mainly driven by the highly competitive nature of the market as well. Due to this, all manufactured homes no longer look like trailers. Most of these homes have options added which make them fit into and rhyme with the neighborhood where they are. There are also many types of models readily available such as Southwest types with tile roofs and stucco exteriors, California bungalows, Ranch styles or even Cape cods. For those who want a unique and stand out look, it is possible to get a customized unit directly from the dealer or manufacturer. As much as traditional homes can also be built in various styles and sizes, the price difference is usually quite substantial, leaving the homeowner with very little options when it comes to actual building, this is especially so if the homeowner is short of cash. 

Heere are some additional builder\brands:

Due to stringent demands laid out by the US Department of Energy as well as incentives laid out by other bodies, most of these mobile or manufactured units are built specifically to be energy efficient. This is usually done by using high quality windows and insulation materials at the point of manufacturing as well as the availing of unit improvement options to clients. Further to the stringent HUD code standards, the homes are built in a controlled, factory environment where they are tested and inspected by the HUD for strength and durability, construction, fire resistance, design, performance of internal systems and energy efficiency. To ensure safety, each home has to be inspected in at least one station by an independent inspector before it is brought into the market. 

Irrespective of where you are, there has been a significant increase in the number of available rental communities for these units. This does imply that getting a community of fellow home owners is not difficult at all. Alternatively, you can also place the unit on your own property if the zoning laws of wherever you are allow or permit these types of units on your site. It is also worth mentioning that contrary to popular belief, you can easily negotiate with the dealer or manufacturer to transport and set-up the home on site. Just make sure you discuss moving costs during the negotiation phase before you make any offer or sign any documents. 

When it comes to construction standards, it is interesting to note that most manufactured units are in fact built to a higher quality than the average site built home. Whereas many manufactured units use 2 by 6 (2 x 6) construction on exterior walls, the industry standard for site built homes is 2 by 4 (2 x 4); these homes also use similar roof truss systems, doors, stairs, windows and siding like site built homes, making them quite sturdy, durable and comfortable as well. It is important to note that with all these added safety features, the units still cost much less than standard homes. 

Lastly, when it comes to financing, the good news is that unlike the old days when these units were financed as personal property because they were sold without land, things are changing pretty fast. Lenders are responding to demand of these units by offering loan insurance and loan guaranty programs for personal property loans. The units can also be financed as real estate if and when the land and home are both owned or purchased by the homeowner, the unit is on a permanent foundation and the land and home are treated as a single piece of real estate under the law of that particular state.

Frequently Asked Questions (FAQs)

Q: How Are Manufactured Homes Financed?

A: Just like it is with regular homes, owners of manufactured homes often need financing. In most cases, manufacturer home buyers go for a mobile home loan from their mortgage lender of choice. More often than not Manufactured home loans are given at a fixed interest rate, most of them for a term of 20 years. The good thing with manufactured homes is that one doesn’t necessarily have to own the land on which the home is placed.

Before being issued with the loan, most mortgage lenders require that the buyer pays up a certain amount of money as the down payment. A declaration from the buyer that they intend to use the manufactured home as their principal residence may also be required. In addition, one should have a suitable site on which the mobile manufactured home is to be placed. They must also demonstrate the ability to pay back the advanced loan and cater for the expenses of the facility, by declaring their incomes.

Q: How Much Do Manufactured Homes Cost?

A: The amount you spend to buy a manufactured home may vary depending on a number of factors such as size, design, facilities, financing method, and the dealer you approach among others. It will also depend on your comfort levels and whether or not you need custom facilities and features installed. The more luxurious homes will, of course, cost more than the basic designs in the market.
In general, however, the average price of a manufactured home according to a 2012 survey by the US Census Bureau was found to be approximately $42 per square foot. This was found to be way more cost effective as compared to the average cost of traditional stick built homes that averaged approximately $86 in the same year.

Q: Are Manufactured Home Prices Negotiable?

A: Buying manufactured homes is indeed a negotiable business, just like it is with buying other properties. However, it all depends on the dealer you approach, as well as your available financing options.

Research is critical so as to find out which manufactured home dealer has the best prices in your area. According to advice from experts in the industry, it can be better to approach you lender or financier first before dealing directly with your dealer. Watch out for dealers who will give you a monthly payment plan, and seek to negotiate from the overall price instead. Your negotiations should take into considerations, the features you need for the home.

Q: How Can One Find A Place To Put A Manufactured Home?

A: A manufactured home is a mobile occupancy property, meaning that you have a wide range of options when it comes to where to place it. You can either decide to purchase or lease an individual lot, or go for an existing manufactured home community/mobile park. Here, you have to consider your privacy priorities as well as amenities and facilities.

There are websites for mobile communities, lot renters, and land dealers from which you can safely acquire a place to install your mobile home. Whichever you go for, your comfort, safety, and security are important factors to consider before making the decision. The duration of placement may also be an important factor to look into. If the land is large enough, the homeowner might also decide to embark on some hobby farming. If that's not enough, VR can keep family members entertained inside the home.

Q: How Do Manufactured Home Communities Work?

A: When you own a mobile home, manufactured home community is one of your options when it comes to a designation to place your home. In general, financing for manufactured homes placed in communities is mostly through chattel loans, which have higher interest rates and resemble personal loans.

When you place you factory made home in a community, you will have to pay rent, which can be monthly or annual. Some parks or communities work with investors, whereas others do not. For those who work with investors, it means that you can resell you manufactured home faster if need be.

Q: Where Can One Buy Manufactured Home Tie Downs?

A: Due to natural factors such as huge storms and strong winds, you may require buying a tie down to stabilize your home against such calamities. They are basically anchors and heavy-duty straps that resist overturning and sliding of mobile homes. These can be frame anchors (straps attaching onto the home’s frames) or over-the-top tie downs (which attach to the roof and siding of the home).
There are various sources online for mobile home tie downs. Nachi.Org is a good example. Conducting research is crucial before deciding on where to buy the tie-downs, as you manufactured home’s safety and value is at stake here.

Q: How Long Are Manufactured Home Loans?

A: Manufactured home loans are essential for financing individuals who wish to acquire mobile homes. One of the most important factors to consider before acquiring a loan is the loan term along with its interest and repayment schedules. In most cases, Manufactured Home Loans are issued for a 20-year term on a fixed interest rate.

Q: Are Manufactured Homes Toxic?

A: The correct answer to this question is yes and no. Whether or not your manufactured home turns out to be toxic will depend on where you purchase it and the material used to construct it. There have been cases of manufactured homes parts and supplies constructed using materials that contain formaldehyde-emitting materials.

Formaldehyde is known to be some kind of vapor that can be toxic and is linked to health complications when breathed in for a considerable duration of time. When buying a manufactured home, it is important to seek clarification from the dealer and manufacturer that the home is indeed safe and non-toxic. Some people reduce this kind of toxicity by adding their own insulations, like bamboos or tiles on flooring, for instance.



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