Have you ever been curious if you were using one of the three terms correctly? I sure wasn’t! Let me break it down, so we can all be more aware of the different types of.
Mobile homes are homes that were built prior to 1976. Not only were they built over 40 years ago, but they weren’t governed by HUD’s building standards either.
Manufactured homes were built after the 1976 bench mark, when HUD started governing building standards. These homes are built in a factory, conform to Federal building codes, and have non-removable steel chassis. Manufactured homes are transported to your piece of land, and don’t necessarily require a permanent foundation (no permanent foundation= no home loan). After they are delivered, the pieces are joined, and the inspectors come out for their check (not always required to approve structure).
Modular homes are built in a production facility in two or more sections and then transported and assembled, typically on a traditional concrete foundation. While Manufactured homes are movable, Modular homes are not. Modular homes are not subject to HUD guidelines, as they are treated like a traditional stick built home, but are required to adhere to state and city building codes. The cost of your new home is generally 10-20% less with a modular home, rather than traditional.
HUD Governed- On June 15th, 1976 the Federal Manufactured Home Construction and Safety Standard Act went into place. The Department of Housing and Urban Development (HUD) was directed to start regulating how Manufactured homes were built. This Act assisted with design, construction, strength and durability, transportability, fire resistance, energy efficiency, and quality. There were also performance standards for heating, plumbing, air conditioning, thermal and electrical systems.