What Is a Manufactured Home Anyway?

Factory Built Housing Definitionsor regional code where the home will be located.
Many types of structures are built in the factory andModules are transported to the site and installed.
designed for long-term residential use. In the case ofPanelized Homes:
manufactured and modular homes, units are built in aThese are factory-built homes in which panels-a
factory, transported to the site and installed. Inwhole wall with windows, doors, wiring and outside
panelized and pre-cut homes, essentially flat subsiding-are transported to the site and assembled. The
assemblies (factory-built panels or factory-cut buildinghomes 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 bePre-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 federalPre-cut homes include kit, log and dome homes.
building code administered by the U.S. Department ofThese homes must meet local, state or regional
Housing and Urban Development (HUD). The Federalbuilding codes.
Manufactured Home Construction and SafetyMobile Homes:
Standards (commonly known as the HUD Code)This is the term used for manufactured homes
went into effect June 15, 1976. The federalproduced prior to June 15, 1976, when the HUD Code
standards regulate manufactured housing design andwent into effect.
construction, strength and durability, transportability,Park Models/RV's:
fire resistance, energy efficiency and quality. TheThis class of factory built living quarters are not
HUD Code also sets performance standards for theManufactured Homes under our definitions. These
heating, plumbing, air conditioning, thermal andhomes are not built to the HUD code or local building
electrical systems. It is the only federally-regulatedcodes. They are not eligible for conventional or FHA
national building code. On-site additions, such asVA loans whether they are on their own lot or not.
garages, decks and porches, often add to theThese definitions are important because they impact
attractiveness of manufactured homes and must bethe 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