Manufactured Home v. Modular Home v. Mobile Home

manufactured home

What is the difference between a manufactured home, mobile home and modular home you may ask?  Your question is finally answered here:

The Mobile Home

A mobile home is what you think of when you think of a “trailer park”.  They were constructed prior to 1974 and were not regulated in any way.  In 1974, the National Mobile Home Construction and Safety Act was passed.  According to HUD (U.S. Department of Housing and Urban Development), a factory constructed home built prior to 1976 (June 15 specifically) is considered a mobile home.

The Manufactured Home

In 1976 the HUD Manufactured Home Construction and Safety Standards (or HUD code) was passed.  A factory constructed home built after 1976 (again, June 15 specifically) is considered a manufactured home.  These standards improved the durability, safety and quality of manufactured homes and are federally mandated.  Unlike a modular home, manufactured homes are constructed on a permanent chassis. If you are interested in what regulations they are under, you can click the link here to read the standards.

The Modular Home

Modular homes are under a different set of restrictions and guidelines.  They are built in a temperature controlled climate, like a manufactured or mobile home, but must follow local, state or regional building codes of the final destination of the home.  To clarify, they must follow the same building codes that site-constructed homes are based on.  Modular homes are built in sections, transported to the final destination and put together on site on a permanent foundation.

Financing available can be different for these types of homes.  Depending on your lender, some may offer loans and some may not.  Although financing is available through conventional and government backed loans (VA, USDA, FHA), it is up to your bank/mortgage company on if they will provide the funds.  You can read more here.

The Surprising Effect of Homeownership You Won’t See on HGTV

I saw this article and thought it should be shared!  So many people watch HGTV and think “hey, that’s not heard-I can do it!” Reality TV can be glamorous; yet despite the name, doesn’t usually reflect real life.  Here’s how your life will actually (positively) change after buying a home. 

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LOANS: Pre-Approval v. Pre-Qualification: What, How & When?

Let’s face it, it isn’t all that common that people can pay cash for a house.  This means they must get a loan, and that requires several factors.  Most people will jump into house hunting without knowing what to do or what to expect.  Let me start from the beginning with a couple definitions… THE […]

The post LOANS: Pre-Approval v. Pre-Qualification: What, How & When? appeared first on Cassidy R. Smith.

Pros & Cons of Different Countertops

granite counter top

Thinking about doing a kitchen renovation?  Knowing the different options for countertops can definitely help the process!

Granite  Pros: Heat resistant, scratch resistant, many options, some lower end granite is cheaper than high end laminate

Cons: Expensive repairs, can be costly

Laminate  Pros: Most affordable, easy to clean, lots of options, easy DIY, water resistant

Cons: May have visible seams, susceptible to scratches, may be damaged by exposure to heat

Quartz  Pros: Protects against bacteria and germs, low maintenance and easy to clean, heat-stain-scratch resistant,

                Cons: Color can fade if exposed to UV light, excessive heat could cause damage, may have visible seams

Butcher Block  Pros: Easy fix for scratches/nicks through sanding, environmentally friendly,

Cons: Must be treated with mineral oil coating to remain water resistant, sensitive to heat, could crack

Solid Surface  Pros: Easy to clean/disinfect, easy repair, wide variety, can also be used for sinks and backsplashes

Cons: May scratch, less heat resistant than other options

There are more options available, check out some of the stores listed below to see what else is out there.  This information is not guaranteed, but researched thoroughly through several sources including Use Natural Stone and Lowes

A few places to buy countertops locally:

Thinking about selling your home and purchasing a new one?  Contact us today!