Manufactured Homes Frequently Asked Questions
What is a Manufactured Home?
A manufactured home is constructed entirely in a controlled factory environment, built to the federal Manufactured Home Construction and Safety Standards (better known as the HUD Code). A site built home is built "on-site" using traditional building techniques that meet either a local or state building code.
Will A Manufactured Home Appreciate In Value?Generally, a home is a great investment. Appreciation on any home - either site built or manufactured - is affected by the same factors: the desirability and stability of the community, supply and demand for homes in the local market, and maintenance and upkeep of the home. When properly installed and maintained, today's manufactured homes will appreciate the same as surrounding site built homes.
What does Heritage Home Center Provide Me?
Heritage Home Center is an independently owned and operated manufactured housing dealer. As a retailer, we offer a variety of products and services, including helping you customize the home to fit your needs and budget. We are also responsible for coordinating the delivery and installation of your home. Even before that, we can help to arrange financing and insurance coverage site work and work with partners that offer very favorable terms to our customers.
Do I Need A Site Contractor?
We work with several professional firms that have been in business for many years and have developed sites for hundreds of happy homeowners. We will only work with reputable and professional companies that know what they are doing. You are of course free to shop around - we will make recommendations but the final choice is entirely yours.
What Kinds Of Financing Are Available For Manufactured Homes?
Just as there are choices when you buy a site built home, there are a variety of financing options when you buy a manufactured home. Down payments and loan terms are similar - 3.5 to 10 percent of the manufactured home's sales price, and loan terms of 15 to 30 years.
If you are buying the home and land together, or plan to place the home on land you already own, some financial institutions offer traditional real estate mortgages with similar interest rates. Should you be purchasing the manufactured home separately from the land on which it will be located, the home will probably be financed as a personal property manufactured home loan, usually with a somewhat higher interest rate.
FHA-insured and Department of Veterans Affairs-guaranteed (called FHA and VA) loans are available to manufactured homebuyers. These types of loans may offer lower interest rates or lower down payment requirements if available in your area. They require more paperwork during the credit application and approval process and, therefore, may take longer for approval than a conventional loan.
Why Cant I Use My Own Financing or Insurance Company?
We have no financial consideration from any of our partners for financing or insurance. We simply refer you to them as people we know and trust. You are of course free to use anyone that you feel comfortable using and we encourage you to shop around.
What is a HUD Code?
Starting in 1976, the Housing and Urban Development (HUD) Code established a stringent series of construction and safety standards that ensure that today's manufactured homes are superior to "mobile homes," the term used for factory-built homes produced prior to the introduction of the HUD Code. Today's manufactured homes are dramatically different in appearance from the "mobile homes" of yesterday with estimates that more than 90 percent of today's manufactured homes never move from their original site. Manufactured homes, like site built homes, are now available in a variety of designs, floor plans, and amenities. Today's manufactured homes are indistinguishable from site built homes and are fully compatible with any neighborhood architectural style.
Are Manufactured Homes Well Built?
Today's manufactured homes are built with the same building materials as site built homes, but in a controlled factory environment where quality of construction is invariably superior to what can be done outdoors. The HUD Code regulates and monitors the manufactured home's design and construction, strength and durability, transportability, fire resistance, energy efficiency and overall quality. It also sets standards for the heating, plumbing, air-conditioning, thermal and electrical systems. The HUD Code also ensures compliance with these standards with a thorough inspection system that takes place at each step as the home is being constructed in the factory.
What are some of the Building Materials Used?
Sherwin-Williams Paint-Kiln dried lumber built in a climate-controlled factory-Real Wood cabinets - all custom-made for each home in factory-controlled environment
Do Manufactured Homes Use The Same Building Materials and Processes?
There are major benefits to having your home built in a factory:
All aspects of the construction process are quality controlled
The weather doesn't interfere with construction, cause costly delays and warp or damage building materials.
All technicians, craftsmen and assemblers are on the same team and professionally supervised Inventory is better controlled and materials are protected from theft and weather-related damage
All construction materials, as well as interior features and appliances, are purchased in volume for additional savings
All aspects of construction are continually inspected by not one, but several, inspectors
Can I Customize A Manufactured Home To Meet My Particular Needs/Wants?
Yes! Today's manufactured homes come with "standard" features that you would find in a site built home. Many floor plans are available that range from basic models to more elaborate designs that feature vaulted ceilings, drywall, fully equipped modern kitchens, comfortable bedrooms with walk-in closets, and bathrooms with recessed bathtubs and whirlpools. You may also select from a variety of exterior designs and siding materials, including wood, hardboard, vinyl siding and the very durable Cemplank.
Our factory uses the latest in computer-assisted design, you have the flexibility of customizing your home's floor plans, interior finishes, and exterior designs. Your lifestyle and your budget are the only limitations to the options available to you.
Our homes also provide homes that are "accessible" for those with special needs. If you are interested in such a home, work with your retailer to order a home with accessible features, such as extra-wide halls and doorways, accessible counters and appliances, and specially equipped bathrooms.
Are There Limits On Where I Can Locate or Place A Manufactured Home?
Are Heritage Homes Covered By A Warranty? Who Do I Contact To Service Problems Covered By A Warranty?
Yes! We offer a full five year warranty that guarantees the quality, workmanship and major heating and cooling systems of the home. We also have an experienced service department in-house to help you with warrantee service and parts.
Will I Be Able To Insure My Manufactured Home?
Yes! There are several insurance companies that specialize in offering insurance coverage for manufactured homes. We can make several recommendations but you may choose anyone that you feel comfortable with.
Are Manufactured Homes More Susceptible To Fire Than Site Built Homes?
Manufactured homes are no more prone to fire than homes built on-site. As a matter of fact, a national fire safety study by the Foremost Insurance Company showed that site built homes are more than twice as likely to experience a fire as manufactured homes.
Fire resistance provisions of the HUD Code include strict standards for fire retardation and smoke generation in materials, large windows in all bedrooms, smoke alarms, and at least two exterior doors which must be separate from each other and reachable without having to pass through other doors that can be locked. Site built homes are required to have only one exterior door and no "reachability" requirement.
Can I Make Repairs/Renovations On A Manufactured Home The Same Way As With A Site Built Home?
While you should perform minor repairs and upkeep on the home, just as with any home, it is advisable to hire a professional for more extensive repairs and renovations. Your home owner's manual outlines maintenance requirements.
Once your home has left the factory, the HUD Code does not include provisions for additions and alterations. Such modifications may jeopardize your home warranty. They may also create malfunctions or an unsafe home.
An approved addition should be a freestanding structure that meets local building codes, and you may need a construction permit from local authorities.
Failure to follow the manufacturer's instructions on maintenance and renovations can void the manufacturer's warranty, as well as lessen the value and life of your home.
Call us at 1-800-230-3935.
Our Sales Staff have over 50 years of experience in the Manufactured Home Industry and can help answer any questions.