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