Manufactured homes are constructed entirely in a factory and are subject to the Department of Housing and Urban Development’s regulations. HUD codes pre-empt local building code and regulate the home’s design, construction, strength and durability, transportability, fire resistance, energy efficiency and quality control. There are also standards regarding the heating, air-conditioning, and electrical systems. The skeleton or chassis of home is permanent and can be placed on a permanent foundation, such as a basement, if desired. These homes are typically one story and are delivered to the home site in one, two or three sections. Flooring, cabinetry, fixtures, appliances and plumbing have all been installed at the factory.
Manufactured homes have come along way and now offer more square feet of living space and pitched roofs. They can be hard to distinguish from modular homes but you will want to get or check on a preexisting affidavit of affixture. It is important to check with your lender before placing an offer on a manufactured home. Many lending institutions will not finance these types of homes.
Modular homes are also built in a factory and must adhere to the Uniform Building Code in the state of Michigan. These homes begin as components in a factory and are designed, engineered and assembled in a controlled environment. The sections (always two or more) are then delivered to the home site and connected by a licensed builder. The builder then finishes the interior (like putting in stairs) and exterior work. These homes are permanently attached to their foundation. Unlike manufactured homes, some lenders will grant financing for modular homes.
Sometimes, purchasing a home that has been built in a factory can be a cost savings. Modular homes have come a long way in the last decade. With landscaping and a garage, they can be difficult to distinguish from stick built homes.
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