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Manufactured Housing: 6 Benefits of Buying

Updated on December 26, 2011

Manufactured Housing Benefits

As I search for retirement housing options, the idea of manufactured housing made me think the worse. How well I remember those long boxy, railroad types of trailers from many years ago. But after doing a bit of some research, I have found there are many great new changes, including a housing code, that has vastly improved the quality of this type of housing.

Now a manufactured house is becoming a very viable option, especially since I would like to buy a piece of land in NC. I would also enjoy custom-designing a house to suit my specific needs.

Then what is manufactured housing?

Manufactured housing is made up of homes that are single family, built entrely in a factory, transported to your home site - where it is then assembled. When building a new home, a manufactured home can be an affordable option with many benefits. it seems that with manufactured housing you can often get the quality of many of the newer homes being built today.

What are the benefits?

1 - Builders Must Adhere to a Strict Code - Now all manufactured homes must meet standards administered by HUD - the U. S. Department of Housing and Urban Development. A code was enacted by HUD in 1976 and upgraded in 1994. The code regulates the design, energy efficiency, strengh and durability of the homes, as well as their fire resistance.

2 - Reasonable Costs - Depending on the floor plan you select, manufactured housing overall, is still the more reasonable option for new housing. The Manufacturer's Housing Institute (MHI) lists manufactured housing as ranging from under $20,000 for a basic home to over $100,000 for a multi-section home.

3 - No Delays - Having a home built in a factory will avoid the usual onsite delays. Waiting for shipments will not have delays caused by bad weather. Additionally, building materials will not be damaged by inclement weather, nor can they be stolen from the site.

4 - Computer Designed - Some manufacturers are using computer-assisted designing technology. This allows you the option of selecting variations in the floor plan.

5 - More Choices - There are far more options in manufactured housing floorplans. This includes bay windows, large walk-in closets, full-sized dining rooms, vaulted ceilings, and fully equipped kitchens. There are also exterior options, such as vinyl siding, wood, hardboard or metal.

6 - Financing for Manufactured Housing - Now there are more ways to obtain a loan. In addition to conventional loans, which can be done through the bank of your choice, or through the manufactured housing seller - loans can also be done through the federal housing agencies. The FHA (Federal Housing Administration) and the VA (Department of Veterans Affairs) both offer loans. However, both agencies may require more paper work and take longer, but generally offer lower rates and a lower down payment.

I like the option of picking out my ideal plot of land, where this housing is permitted, and then designing a house to fit that plot and to fit my needs. Right now, it is the land that is more important to me because I want to do extensive gardening and farming. But still need a swell home.

Note - Be sure to select only zero VOC paint for a cleaner interior. See link below for an article about zero VOC paint and see more links to other healthy living ideas.

manufactured housing
manufactured housing

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    • mobilehomegurl profile image

      mobilehomegurl 2 years ago

      Good info here about the benefits of manufactured housing. Many do not realize what they can do in terms of affordability. Thanks for sharing!

    • TheListLady profile image
      Author

      TheListLady 4 years ago from New York City

      Thanks Roberts Communities - I will check it out. I am still so undecided.

    • profile image

      Roberts Communities 5 years ago

      Here is a site I have found that has beautiful homes for the right price. here is the link : http://www.robertscommunities.com/

    • prettydarkhorse profile image

      prettydarkhorse 7 years ago from US

      good hub, now I know about it, I have been wondering about this manufactured ones, Go for what you like a piece of land and gardening, good luck, good idea. Thanks for this hub, Maita

    • heart4theword profile image

      heart4theword 7 years ago from hub

      Yes they are less expensive than a stick built home. Beware of manufactured homes built in 1978 or less. With all of the foreclosures out there, you may be able to find a home for as reasonable as the manufactured home:) Thanks for the list!

    • GreenThumbLady profile image

      GreenThumbLady 7 years ago from The Beautiful Earth

      What a great idea!! Yes you are so right....the land is what is important! Fabulous hub!

    • Veronica Allen profile image

      Veronica Allen 7 years ago from Georgia

      I was never aware of the benefits of a manufactured home myself. I think this is something I would like to look into myself. Great information.

    • theherbivorehippi profile image

      theherbivorehippi 7 years ago from Holly, MI

      What a cool idea! I too would like to have a nice piece of land and although I dream of having a very old farm house with plenty of character...who knows if the house will match the land. this would be a great idea to just bring a home to my land! Great hub!

    • bayoulady profile image

      bayoulady 7 years ago from Northern Louisiana,USA

      An interesting read!

    • BkCreative profile image

      BkCreative 7 years ago from Brooklyn, New York City

      Ooooh good hub. You may be interested to know I've seen some rather spectacular modern modular types of manufactured housing. I'm really interesting in it because I too would like to look for some land and then I suppose I will need a house to live in. And I want something very comfortable and nice too.

      Rated up and thanks!