Frequently Asked Questions (FAQs)
Modular home or manufactured home? Are they the same things?
While some people use the terms “modular” and “manufactured” interchangeably, they are actually referring to different types of homes. It mostly has to do with whether a home is built to follow a federal building code or a local building code.
A manufactured home (also called a “mobile home”) is built according to a federal standard called the HUD (Housing and Urban Development) code. This code covers things such as construction, indoor air quality, insulation, etc. The design of a manufactured home is approved at the federal level and so must be accepted by any local building departments.
A modular home refers to a home that is built to a specific local building code. These homes are reviewed and approved at a local level. Unlike manufactured homes, one local building department does not have to accept the design of a modular home built to the code of another jurisdiction. In addition, modular homes are usually designed so that the frame the house is transported on is removed during installation, and the home is lifted by crane onto the foundation. Modular homes cost about 25% more per square foot that most manufactured homes.
At Baughn and Cameron, we sell both, manufactured and modular homes.
Can I get a loan on a manufactured home?
Absolutely! Depending on your project, you can get either a personal or real property loan. FHA, VA, Fannie Mae, and Freddie Mac all support and will do loans for manufactured homes. If you don’t already have a lender in mind, or if you need a construction loan for your project, we can help you find a lender.
Will my home go down in value?
Home values are affected by a number of things, including the general housing market. Specifically, though, if your home is placed in a park, its value will go up or down depending on the quality of the park and the location. For homes placed on a foundation on a residential lot, the home’s value will change at about the same percentage as the stick-built homes in the neighborhood.
How long with all of this take?
Each project is unique. But the usual time frame from start to finish is three to six months.
How many different contractors am I going to need for this project, and how do I find them?
Each project is different and different contractors have different capabilities, so how many and what kind will depend a great deal on what your project entails and personal preference. For example, you may choose to go with a general contractor who’ll handle all of the work, including hiring any subcontractors needed, or you can choose to manage each element of the project on your own. Whatever you choose, there’s no need to worry. We’ve been doing this a long time and, if you haven’t already selected your contractor(s), we’ll will help you choose knowledgeable licensed contractors at competitive prices.
I know there are a lot of choices, but what if I want something you don't offer like a different paint color or flooring type?
You can always choose to add to your home. We’ll work with you or any contractor you hire to coordinate our work around it.
I saw I can buy houses on the Internet!
As with anything on the Internet, buyer beware. Buying a manufactured home on the Internet can be risky. You need to ensure that you’re dealing with someone who is reputable and who will deliver on what’s promised. Also, buying a home on the Internet generally means that you are putting all the pieces of the project together on your own, particularly if the seller on the Internet doesn’t have local people to do the set up work. Another issue that can come up is that of service. How does the seller handle warrantied service issues that may come up? Do they have service people in your area? Do you have to pay for their travel time if they don’t?
If you choose to buy a home on the Internet, do your research!
Does my home have a warranty?
The home itself comes with a factory warranty, usually for a year. However, in addition, many of the components of the home—shingles, siding, etc.—have warranties that are much longer, 5, 10, 20, or more years. When you purchase your home, our sales staff will provide you with the information on warranties based on the features and materials you’ve selected.
Do you order my home as soon as I've signed the contract?
No. The home is usually ordered after the loan is approved and permits are issued. This helps to ensure that the home is built and ready to ship at the right time and isn’t sitting around waiting for the rest of the project to catch up.
Why are there different prices for the same floor plan?
The floor plan is only one part of the equation. As features are added to a home, the cost changes. Each floor plan starts with a basic package of features, and then you can add or subtract from there—customizing the home to make it your own.
Can manufactured homes go on any piece of property?
While manufactured homes can be used in most circumstances, there are a few sites where they just won’t work. Our staff can assist you with your purchase decision by providing questions for you to ask your real estate agent or visiting the site with you to determine if there are any obvious concerns with issues like access to the site, size, slope, utilities, etc.
We are here to guide you.
Let us know if you have any questions.