Frequently Asked Questions
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Manufactured homes are built in a factory. Each home conforms to the US government's Manufactured Home Construction and Safety Standards (HUD code), rather than to building codes enforced at the home's destination. Each home or segment of a home is labeled with a red tag that is the manufacturer's guarantee the home was built to conform to the HUD code.
The term "mobile home" was officially changed by Congress to "manufactured home" in 1976 to coincide with the new building standards set for the industry by the Department of Housing and Urban Development. A modular home conforms to the building codes that are required at the specific location it will be delivered to and, in many cases, construction exceeds the required codes.
This terminology also reflected the permanent residence aspect the industry had obtained. Modular homes are built to other building codes such as BOCA, RBC, etc. instead of being built to the HUD code. The difference in manufactured homes and modular homes typically involve design differences rather than structural or performance differences.
"Trailer" is an outdated term that was used to describe mobile homes years ago when they were closer in size and style to early travel trailers.
Homes built with Wind Zone 3 construction for the Gulf Coast are designed to withstand hurricane-force winds. As for fire, insurance company studies concluded that the chance of fire in a site-built home is twice that of today's manufactured home.
All manufactured homes built since 1976 must meet the strict performance standards of the U.S. Department of Housing and Urban Development (HUD). The department's code requires the highest standards in every phase of construction and its requirements are comparable to the Standard Building Code for site-built homes.
Thanks to stringent building codes, safety inspection standards and anchoring requirements, a manufactured home may be the safest home you can buy.
To find the date of manufacture, look for a data plate located inside your home, usually on or near the main electrical panel, in a kitchen cabinet or in a bedroom closet. The data plate offers information about the home's heating, cooling and other components. The data plate also shows you the wind zone and snow load for which the home was built.
A red HUD label with a stamped serial number will be attached to the exterior of the home.
Please research local zoning ordinances, deed restrictions, restrictive covenants and other similar documents before purchasing land for a manufactured home. Some communities and developments do not allow manufactured housing.
Yes, but make sure you use a transport company that is familiar with the laws for moving such structures. You should also consider the zone for which the manufactured home was originally constructed.
Never move a manufactured home to a zone with more restrictive wind, thermal or roof load requirements than the zone for which it was built. Check the data plate for zoning information. Climate differences and the cost of moving your manufactured home might make it more practical to sell it and purchase another at your new location.
Financing a manufactured home is no more difficult than financing any other home. Personal property financing is readily available. Conventional, VA, FHA and other financing programs, with terms of up to 30 years, are available when a home is financed as real property. Lenders are active in financing manufactured homes because studies prove that the appreciation of these homes is comparable to the appreciation of site-built homes.
Most manufacturers offer a warranty that covers the home and its systems during a stated warranty period. Some appliances may be covered by their own warranties. Before you purchase a manufactured home, find out which items are covered by warranty, who offers the warranty, and how warranty repairs are performed.
Legacy Homes takes pride in the fact that we offer personal service after the sale and installment of all of our homes. Our goal is to have happy customers that we can turn to for recommendations for future home buyers.
In the event of a problem, please contact us and we will do everything we can to correct the problem as quickly and conveniently as possible.
Amounts vary by type of finance program and your personal credit history. Amounts can be as little as "0" down if you own your own land. Remember that in every case, the higher the down payment, the lower your monthly notes will be.
Most lenders "grade" credit applications by analyzing your credit history, income, debt, and other factors. A poor credit history does not necessarily mean you won’t qualify for a loan, but it may mean, as an example, that more down payment is needed. Lenders typically rely on a "Fico" or "Beacon" score to determine your credit worthiness.
Still have questions? Please contact us!