What is a manufactured home?

Manufactured homes are homes that are built in the factory under a federal building code administered by the U.S. Department of Housing and Urban Development (HUD). Manufactured homes may be single or multi section and are transported to the site on a permanent chassis and installed. If you are purchasing a manufactured home check with the local building inspector on the zoning.

What is a Modular home?

A modular is equal if not superior to the stick built home. It is built to the state requirements, the same as the stick built home.  The only difference is it is built in a factory. Which protects it from the rain and other environmental conditions.  It is built strong enough to be transported hundreds of miles to its destination and be craned off the transport carrier and placed on the foundation.

 What is a mobile home?

This is the term used for a home built in a factory before 1976.  This is the year HUD changed the construction of the way they were built.

How does modular homes withstand hurricanes?

WASHINGTON, D.C. Proponents of modular homes have insisted that this technology produces homes that are far stronger than typical site-built houses. As industry member are well aware, the modular sections are built to withstand stresses of highway travel on flatbeds and that they contain as much as 30% more building materials than a comparable site-built home. To withstand setting by crane, the drywall and all sheathing is often glued and screwed to wall studs and triple-headers are used for window openings and stairwells. Recently the Federal Emergency Management Agency (FEMA) confirmed that modular housing withstood a hurricane far better that site-built units. In its report, Building Performance: Hurricane Andrew in Florida, the assessment teams from FEMA concluded that modular homes withstood the 131-155 mph winds of a Category 4 storm in August, 1992 far better than site built homes. The report said,

Overall, relatively minimal structural damage was noted in modular housing developments. The module-to-module combination of units appears to have proven to be an inherently rigid system that performed much better than conventional residential framing. It was evident in both the transverse and longitudinal directions of the modular buildings. -Automated Builder. July 05


Do I need a down payment if I own my own land?

The answer is no.  You can use your land as your down payment and roll in the closing cost.

Is it hard to get financing for a manufactured home on private property or in a community?

No, we can take an application and have your approval in 24 hours.  We can get you a loan on a new or pre-owned home located on a private site that is not deeded to you.