Blog Entry

Advantageous Financing Options for Manufactured Homes

If you intend to buy a manufactured home and a piece of land, one aspect you should be aware of is that there are a few types of loans specifically designed for manufactured home purchases. However, one of the most advantageous financing options is to buy a manufactured home and a lot together, so you can bundle everything under a single Land/Home loan. Because this package loan typically involves a lower interest rate than the one you would otherwise need to pay for two separate loans, buying a manufactured home and a lot together can be more affordable than purchasing a manufactured home and a piece of land separately. Since you'll also pay closing costs only once, a Land/Home loan can lower your upfront costs significantly.

Taken from ~ Benefits of Having Your Own Land

Defined Manufactured Homes

Manufactured homes are a type of prefabricated housing that is largely constructed in factories and then transported to a site where it is placed on a permanent or semi-permanent foundation. Unlike traditional homes built entirely on-site, manufactured homes are designed with mobility in mind, though most often they end up permanently placed. This category of housing is recognized for its efficiency in construction, affordability, and increasingly, for the variety of designs and amenities it offers.

These homes are defined by specific construction and safety standards, particularly those outlined in the U.S. Department of Housing and Urban Development (HUD) Code, which was established in 1976. This code sets federal standards for the design, construction, and installation of manufactured homes to ensure quality, durability, and safety.

The HUD Code not only marks a significant regulatory framework for manufactured homes but also distinguishes them from other types of prefab houses, like modular homes, which are subject to local and state building codes similar to site-built homes.

Taken from ~ What is a Manufactured Home?

Trends in Manufactured Housing

Manufactured home trends for 2025 include a focus on smart home technology, sustainability and modern design.  Key features include energy-efficient appliances, and eco-friendly materials. Designs are moving towards more modern and open-concept layouts, incorporating luxurious finishes, updated kitchens and baths, and a mix of contemporary and vintage styles with earthy tones. 

Taken ~ from Trends in Manufactured Housing