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Select one of the frequently asked questions below to learn more about buying, selling, and renting real estate. Also, begin to think about important things to consider when diving into your real estate search.

What is the difference between a manufactured home and a modular home?

While both manufactured homes and modular homes are built in a factory environment, there are some differences between the two. The main source of difference between modular and manufactured homes is the code to which they are built. Manufactured homes are built to a federal HUD code, while modular homes are built to state or local residential building codes.

How is factory-built housing different than site-built homes?

Factory built homes are built off site in a controlled manufacturing environment. Each home is built in sections, or modules, and then transported to the site where they are installed on permanent foundations, and completed by professional installers. Approximately 80% – 90% of factory-built construction takes place indoors where materials are protected from the elements and a consistent workforce assembles the home in over 25 different stations.

Do manufactured and modular homes use the same building materials as site-built homes?

Yes. Both manufactured and modular homes use the same or similar building materials as site-built homes. In a cut section view, you’ll see everything from roof trusses to structural floor decking and 2×4 or 2×6 exterior walls. In the ceilings you’ll primarily see blown cellulose insulation, along with fiberglass batts in the wall cavities. Detailed specifications are available at your local sales center.

How long does it take to build a manufactured or modular home?

The modules for a home are typically completed in less than two weeks from the start of construction at the factory. Once they are shipped, they can be installed and completed within 30 to 90 days depending on the complexity of the home and the on-site work necessary. If everything goes well with the financing source you choose and the development of your land, then the process could be completed in approximately 90 days.

Is a manufactured home built to the new hurricane standards?

Each manufactured home must be designed according to the federal Manufactured Home Construction and Safety Standards at 24 CFR 3280, commonly called the HUD Code. The HUD Code stipulates, at §3280.305(c)(1) and §3280.305(c)(2), that the home shall be designed and constructed to conform to one of three wind load zones. The appropriate wind zone used in design is dependent on where the home will be initially installed. Homes designed and constructed to a higher Wind Zone can be installed in a lower Wind Zone (a Wind Zone III home can be installed in a Wind Zone I or II location). However, a Wind Zone I home cannot be installed in either a Wind Zone II or III area.

Wind loads (a lateral load) must be resisted by the home. The home must be capable of transferring these imposed lateral loads to the home’s stabilizing devices without exceeding the allowable stresses and other deflection requirements. Wind Zone I, Wind Zone II and Wind Zone III are identified on the basic wind zone map above. The manufactured home producer designs the home to resist the wind load, which is measured in pounds per square foot. Wind Zone I equates to a 70-mph fastest-mile wind speed. Wind Zone II equates to a 100-mph fastest-mile wind speed. Wind Zone III equates to a 110-mph fastest-mile wind speed.

Where can I find information about financing a manufactured or modular home?

From pre-approval through closing, your local sales center has the expertise to guide you through the financing process. They’ll be able to provide you with local and national banks, and the credit unions they have experience with and explain the different types of loan programs available