©2021 Ma Williams Manufactured Homes. Broken Pipes: Manufactured homes are typically not insulated as well as stick-built homes posing a higher risk of pipes freezing and then breaking or leaking. But that is changing, now that modulars, like Martell Home Builder’s are of high standards. Some manufactured homes are one-level and look similar to site built ranch homes. This is one reason why True Built Home is becoming one of the fastest growing home builders in Washington state. Buyers can choose from typical home financing options or apply for manufacturing and, sometimes, … They can finance and refinance mobile homes that are in communities. Manufactured homes placed on permanent foundations become part of the real estate and therefore as the surrounding area adjusts with the market, so will the manufactured and land package. The federal standards regulate manufactured housing design and construction, strength and durability, transportability, fire resistance, energy efficiency and quality. Uniformity and consistency can be maintained better in the HUD enforcement system because of two key factors. What is the Downside to Manufactured Homes? This is why traditionally-built homes are ofte… However, innovative developers have looked toward prefabricated components and subassemblies to better meet the demand for more affordable homes. Today’s manufactured homes have experienced a major evolution in the styles and quality of homes being offered. 1. These days, all appraisals are being reviewed by the underwriters at the bank level. The popularity of the factory built homes caused complications that the legal system was not prepared to handle. Eventually, local governments reclassified them for taxation purposes. However, due to the stigma of being called a “mobile” or “manufactured” home, value depreciation continues to be a problem. This timeframe would include obtaining financing, permits, factory production time, and on site completion. 1. This couldn’t be more incorrect! The average cost to build a stick-built house is $100 to $200 per square foot. Stick Built: Traditionally, constructed homes held their value better. The HUD Code allows for a more lenient process for obtaining permits from your local building department. As the average price per square foot for a manufactured home is $49 compared to $107 for a site-built home - affordability is an obvious benefit. The manufactured home enforcement program required by the HUD is a thorough and efficient system designed specifically for the factory production environment. The manufactured home is constructed to comply with the preemptive National Manufactured Home Construction and Safety Standards, a uniform building standard administered and enforced by the U.S. Department of Housing and Urban Development (HUD Code), which supersedes all local building codes on the home itself. According to the National Housing Institute, more than 22 million people in the United States live in manufactured homes. Manufactured homes after that date had to follow a strict set of guidelines which improved safety and helped set classes for prefab homes. Manufactured Homes are NOT the same as Mobile homes. What is a manufactured home vs. a modular home? As manufactured homes have come to resemble traditional stick-built homes, so have their prices. This allows for more thoroughness, since time is spent inspecting homes rather than traveling to inspection sites. That’s why more people are turning to manufactured housing to deliver homes that fit their needs and wants, at prices they can afford! 3. I spoke with Tony over the phone, he was extremely helpful and answered all my questions. Some of my family members have done business with Ma Williams and had good experiences. The developing stigma attached to mobile homes resulted in devaluation of the existing homes in the community. Module sizes are limited because of the transportation restrictions and the wear and tear of traveling hundreds of miles on a flatbed can … This is particularly the case with affordable housing, where small changes in price have a huge impact on the financial viability of a project. Same quality as stick built. A manufactured home may be your primary residence and offer just as much space and amenities as site built homes, but you could run into a few roadblocks in the financing department. With these changes, rapid depreciation often resulted in the home occupants paying significantly less in property taxes than had been anticipated and budgeted. The quality and price of the home they build has not been matched by any other factory! Prefabrication techniques reduce waste, offer energy-saving designs and improve manufacturing and construction efficiencies. Two-story and single-family attached homes are but two of the new styles being generated by factory-built innovation. Much like other assembly-line operations, manufactured homes benefit from the economics of scale resulting from purchasing large quantities of materials, products and appliances. However, due to the stigma of being called a “mobile” or “manufactured” home, value depreciation continues to be a problem. As mentioned previously, appraisals for manufactured homes require two comparable sales for value. Traditional Housing Traditional homes are often called "stick-built homes… By doing this, it will reduce the requirements as well as allowing stick built comps to be used to establish value. These homes are entirely built according to specifications on their final site. OK. Load up that construction management software, and let’s get to work.But first, we need to figure out how much it’s going to cost you based on your unique situation. Interior features now include such features as 8-10 foot flat ceilings and ecologically friendly fireplaces to state-of-the-art kitchens and baths, giving the home buyer all the features found in traditional, site-built homes. Technological advances are allowing manufactured home builders to offer a much wider variety of architectural and exterior finishes that will suit most any buyer’s dreams, all the while allowing the home to blend in seamlessly into almost any neighborhood. Manufactured homes offer a multitude of economic and quality benefits when compared to stick built homes. All Rights Reserved. The polar opposite of stick built housing is manufactured housing or what is commonly known as mobile homes. Building Codes: Modular & Stick Built: Modular houses and stick-built meet the same building codes. Instead, modular homes are built to comply with all applicable state and local building codes required by the location where the home will be placed. Along with these pressures, there have also been significant incentives for the HUD-code home industry to produce innovative designs. Not only are most good quality, but they’re made out of the same material as stick built homes. “Ma” Williams, through Skyline and Silvercrest homes, offer over 200 different floor plans ranging from 500 to over 3,600 square feet. Site-Built vs. Modular vs. Generally, manufactured home buyers can save from 25 to 30 percent compared with similar site-built traditional homes. As you might expect, site-built homes are those that are completely constructed in place. The arrival of these types of homes in an area tended to result in “There goes the neighborhood” alarm (see photo. ARE YOU REALLY SAVING MONEY WITH A MOBILE OR MANUFACTURED HOME? It can generally be acknowledged that a building code is only as good as the enforcement system that accompanies it. Today, manufactured homes are one of many styles of prefabricated homes built in factories, rather than on site, and then taken to the location where they will be occupied. Here is a true life experience related by one Washington State Home Builder: A home buyer was planning to put a manufactured home on their land near Yelm, WA. Feel free to peruse the floor plans (which include both interior and exterior pictures) we have to offer. Unlike traditional, stick-built homes, when purchasing a modular home, you have even more financing options available. A prefab or modular home is a structure that’s manufactured and preassembled off-site and then transported to its final location. This is in contrast to a traditional home that is constructed entirely on-site, a process known as stick-built or site-built. In the past 30 years manufactured homes have also made huge strides in QUALITY OF CONSTRUCTION AND TECHNOLOGICAL ADVANCES which have significantly improved the manufactured homes of today and thereby increased the number of homes used for private property development. The beauty of on-your-lot home builders such as True Built Home is that because of high initial appraisals even before the house is built, a home owner doesn’t have to wait for years to build equity. Modern mobile homes can provide a quality, cost-effective alternative to a stick built home. “Typically, a modular home costs 10 to 20 percent less than a stick-built home, which is so called because it’s built out of sticks or lumber,” said Karen Gardner, who tracks and writes about real estate finance, in a recent blog. In these cases, if there are not enough comparable sales of manufactured homes that meet the appraisal guidelines, it may be necessary to consider building a modular home built to IBC Code. According to the U.S. Department of Housing and Urban Development (HUD) handbook 4510.2, page D-44, a manufactured home is defined as a "structure that is transportable in one or more sections. It is increasingly difficult for the affordable home builder to deliver a quality product without having some, if not most, of the components built off-site. At the same time, greater flexibility in the construction process allows for each home to be customized to meet a buyer’s lifestyle and needs. This Manufactured home would have been about 1400 square feet, NO garage, NO permanent foundation The price quote with tax was about $112,000. Mobile homes have not been constructed since June 15, 1976 at which time the federal preemptive HUD Code took effect. Money is saved through the efficiency of the process, not through lesser quality product or craftsmanship. No, there’s not a modular home building code in the sense of a national standard like the HUD Code, which defines the building requirements for all manufactured homes. A manufactured home is built at a factory and then transported to a dealer or to a purchaser's preferred location. Mobile homes came into vogue at the end of WWII, as veterans returned home and affordable housing was in short supply. In fact, a favorite of many investors is purchasing homes for rental property or to build equity with the purpose of selling the home at a later date. In most instances, the components of a modular home built by a manufacturer will be every bit as good as the components of a stick-built home, but everyone may not be up to date on this fact. A stick-built manufactured home is a house that is manufactured off-site but with the construction standards of a stick-built house. Some banks do not offer traditional financing for manufactured homes. The enforcement procedure is much less susceptible to individual interpretations, as would be the case with on-site inspections in every jurisdiction across the country. We’ll also share a few brands that seem to be doing a decent job at most of them (at least from the outside looking in). Manufactured homes placed on permanent foundations become part of the real estate and therefore as the surrounding area adjusts with the market, so will the manufactured and land package. 2. As a HUD approved home, the entire plan approval process is bypassed because a manufactured home has already been approved by a Federal Agency which supersedes any local jurisdiction. Stick Built Homes vs. Modular Sam Spurlock 2021-01-04T10:03:00-05:00 You Don’t Have to Settle for a Modular Home Many people begin their search for a new home with modular home companies because they automatically assume that a traditional stick built home is … My sister and I are now discussing purchasing a home together. The Silvercrest and Skylark Homes are known in the industry as the most custom designed and residential looking homes available today. The large pieces of a modular home are trucked to the site where a permanent foundation (normally consisting of either concrete block or poured concrete) has been completed and is awaiting the home’s pieces to arrive. However, the tendency of the units of this era to depreciate rapidly in resale value has made using them as collateral for loans much riskier than traditional home loans. However, they have some disadvantages to stick built homes that you need to consider. Prefabricated houses have to meet the standard design requirements and are able to withstand transport loads. Time savings is also an advantage with factory production. Local governments may add a tax, but even this tax is very low. On-site additions, such as garages, decks and porches, often add to the attractiveness of manufactured homes and must be built to local, state or regional building codes. The Washington Home Builder was able to put them into a home over 1750 square feet, WITH garage and foundation, and also including many amenities that the manufactured home did not include (2×6 exterior walls instead of 2×4; vaulted ceilings, 4/12 pitch roof, etc) for only $107,000. Home » Manufactured, Modular, Site-built? All of this led communities to start placing limitations on the size and density of developments. And, the appraisal was much higher than the manufactured homes appraisal, easier to finance and get insurance for, and more value. Newer homes, particularly double-wides, tend to be built to much higher standards than their predecessors and meet the building codes applicable to most areas. The majority of the nation’s new homes are still erected at the building site by large and small builders, and technological advances are slow to make their way through this fragmented building community. While in the past, HUD-coded homes have developed largely apart from the mainstream home-building industry, this housing type has been increasingly used by on-site developers. If you are looking to impress, a modular home may not deliver in the same way a stick-built home can. The quality of construction has significantly improved. » Why Manufactured Homes? (See how modular homes are particularly well suited for this market). Varying from a stock modular design may also increase the cost as you are ch… Office Locations Temporarily Closed to in-person Visits, How we are handling COVID-19 (Coronavirus), 4 Alarming Trends Local Spokane Builders Are Getting Away With. Manufactured Home appraisals have certain requirements over and above the appraisals for Modular or Stick Built homes. The benefits of the HUD CODE are numerous! Custom Manufactured Homes placed on private property will normally have a 3-6 month timeframe depending on the process. As a result, today’s manufactured homes are offering options for the suburban and urban buyers. Among the factors driving home builders to industrialize are: the decline in the number of skilled tradespeople, difficulties with maintaining construction quality, the complex system of regulations that control on-site construction, and the need to construct homes at a competitive price. A modular home can be completed in the factory in a week or two whereas a stick-built home often takes 3~4 months. 2. Strong structure: Modules or sections that are used to make these houses are strong and durable. Knowing the differences between mobile homes and stick built homes and how to make those difference work for you is the trick to a successful remodel or repair on any mobile or manufactured home. Stick built homes can be designed to fit your personal style and address any wants or needs you have of your home. Many savvy investors have been able to retire comfortably from selling a home and living from the equity. On this same note, modular homes are typically lower cost compared to stick built homes since they are often built in bulk and shipped out to customers across the country. Click here for BBB Business Report on "Ma" Williams Manufactured and Modular Homes, "Ma" Williams Manufactured and Modular Homes. Modular manufacturers have “stock” plans that they want to try and sell before customizing your design. Since the Mortgage Meltdown and related recession, establishing value has become problematic in all realms of the real estate market. So, what does stick built mean? Modular homes cost 10 to 20 percent less than stick-built houses and are more energy-efficient, which saves on monthly expenses. Manufactured home builders are able to negotiate substantial savings on many components used in building a home, with these savings passed on directly to the homebuyer. The Skyline Home in a word is VALUE! The use of movable or mobile homes dates as far back as the late 19th century in the United States, when teams of horses transported homes on wheels to beach front properties along the Outer Banks of North Carolina. of course not every mobile home owner lives like this, but would you want to be his neighbor?) You’ll find it easier to construct porches and larger overhangs … They were often marketed as a practical alternative to renting an apartment. Cost of Modular Homes vs. Building Stick-Built. Some states tax a manufactured home at the same rate as would be applied to a site-built home, or a stick-built home as some refer to the home constructed on-site. Manufactured Homes: The Basics . These are totally factory built housing delivered to the site in one, two, or three pieces. Manufactured Homes tend to have a more stringent INSPECTION/ENFORCEMENT process than stick built homes do. It is the only federally-regulated national building code. Manufactured housing accounts for 10% of new single-family home starts. Also, mobile homes, even those that were well-maintained, tended to depreciate in value over time, much like motor vehicles, rather than appreciate in value, as with site-built homes. First of all, modular homes and stick built homes differ in how they are constructed. As manufactured homes have come to resemble traditional stick-built homes, so have their prices. We have lenders who provide FHA, conventional, and VA loans, to name a few. People usually understand that manufactured homes tend to cost less than stick built homes, but what always surprises them is just how far their dollar can go. In such a case, the house would be manufactured in the company’s factory and then be delivered ready to be mounted on a fixed foundation. In this article, we look at a few other factors that need to be considered in the hunt for the best manufactured homes. (View our models and floor plans). They are also engineered with the most cutting edge features and green designs on the market today! We also have lenders who offer both conventional, VA and FHA construction loans for a land home package. Most banks won’t finance a manufactured home purchase because if there is no land included in the loan. Factors to consider, such as costs, laws that impact mobile home value, and low cost stick built alternatives, vary from region to region, so be sure to do your research. Here we take a look at some common differences between mobile homes and stick built homes. Efficiency is increased because travel time is limited and necessary paperwork is minimized. Modern manufactured homes come in several sizes and styles, just like stick-built, modular, and other forms of prefabricated housing. The HUD code allows for homes to be streamlined through plan check at the building department; these homes are federally approved which supersedes local building jurisdictions. There are also Green (earth friendly) Benefits that come from building a home in a factory environment. And for service there’s no one better! Here are Modular: Well built, high-quality modular homes retain their value well. For these reasons and others, we have the distinct option to sell homes built by the best factories in the industry and we are proud to offer Silvercrest and Skyline Homes! Financing and insurance for manufactured homes can be very difficult. Lesser construction time: A modular house can be built within two months at a factory. Skyline through consumer satisfaction indexes are compared to “service focused” companies such as Honda and Dell Computers, just to name a few. Enhanced energy efficiency in manufactured homes, achieved with upgraded levels of insulation and more efficient heating and cooling systems, provide another source of savings for homeowners, especially in this era of rising energy costs. Although values at times decrease, such as in the housing market crisis of 2008, real estate over time will appreciate as will a manufactured home placed on a permanent foundation. Repairing and remodeling a mobile home is different from a stick built home. The HUD Code also sets performance standards for the heating, plumbing, air conditioning, thermal and electrical systems. Originally, factory built homes were taxed as vehicles rather than real estate, which resulted in very low property tax rates. We offer duplex, two story, price conscious, and high end models! However, using stick built comparables in addition to the two manufactured homes required is also acceptable to determine an accurate value. This provides the benefits of both on and off-site construction. Smart buyers are turning to EnergyStar-labeled manufactured homes for substantial savings in heating and cooling their homes. “Ma” Williams has enjoyed being in business for over 40 years! Click on any of the links below for more information on what you can expect from a quality manufactured home in the 21st century, and how the industry and respective companies such as Ma Williams strive to achieve excellence with every home we supply. In some states, mobile homes have been taxed as personal property if the wheels remain attached, but as real estate if the wheels are taken off. Still confident that you want a modular/prefab home? Exterior add-ons are easier. There are several pros to buying a “mobile home or manufactured home” instead of a traditional stick-built house, but there are also cons as well. Some states like Florida have a tax that is similar to the license tax for a car. When building a custom home it is helpful to understand why manufactured homes may be a better alternative when compared to stick built homes; but first we need to define WHAT A MANUFACTURED HOME IS. Terms are often limited to less than the thirty year term typical of the general home-loan market, and interest rates considerably higher. First, the inspections take place in the factory, during each phase of construction, and follow behind the manufacturer’s own in-plant inspection and quality assurance teams. The main time benefits with manufactured homes are the pre-emptive HUD Code as well as being able to complete both construction on site and the home in the factory simultaneously. Fannie Mae and Freddie Mac, who create the guidelines all mainstream mortgage companies are to follow, are charging from 25-50 basis points more (or ¼ to ½ % increases in interest rate) for manufactured home loans. Although unjustly, Manufactured Homes have taken a harder hit with regards to financing. The affordability of manufactured housing can be attributed directly to the efficiencies emanating from the factory-building process. In 1980, Congress approved changing the term ‘Mobile Home’ to ‘Manufactured Home’. As such, manufactured home designs have become more complex and sophisticated to meet the demands of a more affluent customer base. Technological advances, evolutionary designs, and a focus on delivering quality homes that families can afford are the driving forces within the manufactured housing industry. This is because of the greater use of automation, teamwork, … If you’ve looked into having a home built, you may have encountered the term stick built home. It refers to the way the house was constructed. Financing is also challenging to the industry. In other words, home loans often resemble motor vehicle loans more than traditional home mortgages. During the baby boom American families trying to find work wherever available, used mobile homes so they could move quickly with job changes. Modular homes consist of pre-fabricated “modules” that are constructed in a remote facility and then shipped on the back of a truck, typically over hundreds of miles, and assembled on site. There are still many types of financing available for manufactured homes if values support an appraisal for the lender. However, there are many misconceptions in the marketplace about what constitutes a manufactured home, and how manufactured homes compare to traditional stick built homes in construction materials, government inspection criteria and price. We have a reputation for treating customer’s right and being a reputable dealership! The builders lay a foundation and build the home, board by board — or stick by stick — until it’s complete. What Financing is Available for Manufactured Homes, Quality Construction and Technological Advances, Benefits of HUD Code with Building Departments. They can have equity the moment they move in. Manufactured homes are built with the same materials as a stick built home, and endure a more stringent inspection process to assure a high quality construction, which offers the same or more technological advances to improve the functionality, esthetics, and efficiencies of the home.The best part is that all of these benefits come at PRICES UP TO 45 PERCENT LESS per square foot than a newly constructed traditional site-built home. The traditional building process for a home happens entirely on-site at the property. The controlled construction environment and assembly-line techniques remove many of the problems encountered during traditional home construction, such as poor weather, theft, vandalism, damage to building products and materials, and unskilled labor. Factory employees are trained and managed more effectively and efficiently than the system of contracted labor employed by the site-built home construction industry. They are usually transported by tractor-trailers over public roads (see photos). It’s a well-believed myth that manufactured homes are bad quality and made of cheap materials. Increased Risk of Theft Claims – Manufactured homes tend to have more theft claims than stick-built homes. Second, consistency is maintained because fewer people inspect more homes. Here are just a few comparison points based on my experience –Design 1. I have his contact info and will be in touch as we start to set plans in action. From the foundation to the walls to the inside, the whole thing is assembled on-site. In contrast, a stick-frame home will appreciate in value. But never forget that a home is an investment, and the public perception and perceived value of a modular home is often less than a traditional, stick built home. There are some companies that specialize in mobile home loans and mobile home financing. “A conventional stick-built, non-luxury home costs about $150 to $250 per square foot. The ability to move many factory built homes quickly into a relatively small area resulted in strains to the public infrastructure and services of the affected areas, such as inadequate water pressure and sewage disposal, and highway congestion. Customizing your plan may require more engineering and is limited to module specifications. However, using stick built comparables in addition to the two manufactured homes required is also acceptable to determine an accurate value.