It's hard to say where the “Mobile Home” started. Some will look back as far as the 1500's to the traveling European gypsies.
In the 1970's, the government got involved, concerning the construction of the factory built homes and in 1976 the HUD building code was put into effect at the factories.
In 1980, there was a Congressional Approval to change the term "Mobile Home" to "Manufactured Housing".
Today, Manufactured Housing is unmatched in price, selection, features and options. Compared to site built homes the savings is significant.
Frequently Asked Questions
Q: What is the difference between a Site built, Modular and Manufactured Home?
A: Site built homes are built from the ground up, Modular homes are built in modules at a factory and Manufactured homes are built in sections at a factory.
Q: What is the difference between a Modular and Manufactured home?
A: The modules are delivered to the home site on truck beds and then joined together on the home site. Manufactured homes are built on a non-removable steel chassis with sections delivered to the home site and the multi part units joined together.
Q: How can I be sure the home construction is sound?
A: Site Built and Modular homes are built to all state, local or regional codes where the home is located. Local building inspectors check to make sure the structure meets requirements and that finish work is done properly. Manufactured homes are built to conform to a Federal building code, called HUD code. Building inspectors check the work done locally (electrical hook up, plumbing, A/C, etc.)
Q: What about the home costs?
A: Modular homes are sometimes less expensive per square foot than site built homes. Manufactured housing is generally less expensive than site built and modular home.
Q: What is a manufactured home?
A: Each home conforms to the US government’s Manufactured Home Construction and Safety Standards (HUD code). Each home or segment of a home is labeled with a red tag that is the manufacturer’s guarantee the home was built to conform to HUD code.
Q: Where can I find my manufactured home’s build date and origin?
A: Look for the data plate located inside your home, usually on or near the main electrical panel. The data plate offers information about the home’s heating, cooling, other appliances and components. The data plate also shows you the wind zone and snow load for which the home was built.
Q: Who will finance my manufactured home?
A: Many lenders will grant a conventional mortgage for manufactured homes. Manufactured homes are eligible for FHA and VA home loans. Many manufactured homes are financed with a retail installment contract available through Baird Financial Services.
Q: What does my three-digit FICO® credit score mean to Lenders?
A: score of 580 or less is an indication of a risky borrower, 580-669 some lenders will approve, and 670-739 is an average score based on a U.S. range considered as having good credit, 740-799 is an indication of a very dependable borrowed, and 800+ is viewed as an indication of an exceptional borrower. These numbers will determine loan approval and requirements.
Q: How is the Customer Service at Baird Homes Seymour?
A: Here at Baird Homes of Seymour, we greet every customer with a smile. Leaving you with a favourable impression, Baird Homes is here with you every step of the way. Baird Homes will act as a liaison with manufactures, when authorized, giving you the best service possible. With over 30 years’ experience with our service team, you can count on Baird Homes of Seymour to make you smile, with our service.