said by rjackal:said by Hall:ome banks won't do mortgages on "manufactured homes"
Ask those banks for their method of proving that it is or isn't a manufactured home, or refuse to deal with those banks. Look into getting financed via a credit union, too.
I think we need a clearer definition of manufactured home. As said since I worked telco and out in new construction all the time I saw everything for many years.
Some yes you could tell manufactured aka cheap like a trailer. Cheap siding thin walls and everything done to cut costs. it really showed also.
Then saw the ones like said more modular with trusses walls etc done at a main point shipped to site and assembled on site. Even more solid than most done all on site with fewer flaws.
But yes I think if I remember the ones that where really cheap where advertised as manufactured homes. More was done at a plant and less done on site. Plus the main thing construction was done differently or maybe to a different set of codes. Maybe done to more a trailer manufactured house code than a real house code.
Maybe that is how you could tell as if they where built to a real houses code level? I mean if they where built to real housing code then how could a bank disqualify them?
The ones I did see advertised as manufactured even when selling new as we where looking for a house at the time did not appraise well. When looking to buy we where told outright manufactured and that even though really large may not appraise for a full loan and we would need to make up the difference in the down payment. We moved on in our search. Like said just because parts came in on a truck did not make other house manufactured.
So may be a different set of standards in the building code for a true manufactured cheap house.