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Modular or Manufactured

Modular or Manufactured?

Not sure if the home you’re considering is Modular or Manufactured?  GRAR and the BICE Chapter Advisory Group and a Panel of Industry Professionals, updated the definitions and differences between modular and manufactured homes.  Here’s their handy reference tool:

What are Site Built Homes?

  • They are constructed entirely at the building site. They conform to all state, local or regional codes where the house is located.
  • Often called “stick-built” homes.

What are Modular Homes?

  • Modular homes are built in sections at a factory.
  • Modular homes are built to conform to all state, local or regional building codes (BOCA).
  • Sections are transported to the building site on truck beds, then joined together by local contractors.
  • Local building inspectors check to make sure a modular home’s structure meets requirements and that all finish work is done properly.
  • Modular homes are often built using structurally-insulated panels (SIPs).

What are Manufactured Homes?

  • Formerly referred to as mobile homes or trailers, but with many more style options than in the past.
  • Manufactured houses are built in a factory.
  • Each home or segment of a home is labeled with an I.D. tag that is the manufacturer’s guarantee the home was built to conform to the HUD code.
  • Manufactured homes are typically built on a non-removable steel chassis.
  • The house has a Certificate of Manufacture Home title (not a vehicle or trailer title).
  • Sections are transported to the building site on their own wheels.
  • Multi-part manufactured units are joined at their destination.
  • When attempting to obtain financing for a manufactured home placed on real property, the bank will generally require the title to be surrendered, and an Affidavit of Affixture be filed.
  • A lender will typically require a structural engineer’s report for a manufactured home.
  • The availability of financing may be limited for a manufactured home. Furthermore, manufactured homes built prior to June 15, 1976, are generally not financeable for the reason that they were not built according to the HUD Code.
  • Building inspectors check the work done locally (electric hook up, etc.), but are not required to approve the structure.
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