| Factory Built Housing Definitions | | | | or regional code where the home will be located. |
| Many types of structures are built in the factory and | | | | Modules are transported to the site and installed. |
| designed for long-term residential use. In the case of | | | | Panelized Homes: |
| manufactured and modular homes, units are built in a | | | | These are factory-built homes in which panels-a |
| factory, transported to the site and installed. In | | | | whole wall with windows, doors, wiring and outside |
| panelized and pre-cut homes, essentially flat sub | | | | siding-are transported to the site and assembled. The |
| assemblies (factory-built panels or factory-cut building | | | | homes must meet state or local building codes where |
| materials) are transported to the site and assembled. | | | | they are sited. |
| The different types of factory-built housing can be | | | | Pre-Cut Homes: |
| summarized as follows: | | | | This is the name for factory-built housing in which |
| Manufactured Homes: | | | | building materials are factory-cut to design |
| These are homes built entirely in the factory, | | | | specifications, transported to the site and assembled. |
| transported to the site, and installed under a federal | | | | Pre-cut homes include kit, log and dome homes. |
| building code administered by the U.S. Department of | | | | These homes must meet local, state or regional |
| Housing and Urban Development (HUD). The Federal | | | | building codes. |
| Manufactured Home Construction and Safety | | | | Mobile Homes: |
| Standards (commonly known as the HUD Code) | | | | This is the term used for manufactured homes |
| went into effect June 15, 1976. The federal | | | | produced prior to June 15, 1976, when the HUD Code |
| standards regulate manufactured housing design and | | | | went into effect. |
| construction, strength and durability, transportability, | | | | Park Models/RV's: |
| fire resistance, energy efficiency and quality. The | | | | This class of factory built living quarters are not |
| HUD Code also sets performance standards for the | | | | Manufactured Homes under our definitions. These |
| heating, plumbing, air conditioning, thermal and | | | | homes are not built to the HUD code or local building |
| electrical systems. It is the only federally-regulated | | | | codes. They are not eligible for conventional or FHA |
| national building code. On-site additions, such as | | | | VA loans whether they are on their own lot or not. |
| garages, decks and porches, often add to the | | | | These definitions are important because they impact |
| attractiveness of manufactured homes and must be | | | | the mortgage programs that are going to be available |
| built to local, state or regional building codes. | | | | for you. If you have a question, please don't hesitate |
| Modular Homes: | | | | to call or email. |
| These factory-build homes are built to the state, local | | | | |