Manufactured Home Buyer's Guide
Modern manufactured homes offer customizable designs ranging from 900 to 2,500 square feet, available in single or multi-section configurations.
Available Features
Interior Options:
- Computer-assisted design flexibility
- Custom floor plans
- Various décor choices
Exterior Options:
- Multiple siding materials:
- Metal
- Vinyl
- Wood
- Cementitious (fireproof)
- Additional features:
- Awnings
- Crawlspace enclosures
- Patio covers
- Decks
- Steps
Cost Considerations
Home Price Range:
- $15,000 to $100,000+ (excluding property)
Additional Expenses:
- Utilities
- Property taxes
- Land rental fees
- Insurance
- Routine maintenance
- Water/sewer fees
Financing Options
-
Loan Details:
- 5-10% down payment
- 15-30 year terms
- Fixed and variable rates
- Rate buy-down programs
- Traditional mortgages (if land included)
Warranty Coverage
Standard Coverage:
- Structural workmanship
- Factory-installed systems:
- Plumbing
- Heating
- Electrical
- Factory-installed appliances
- Manufacturer warranties
Note: Installation and transportation typically require separate coverage
Location Options
-
Private Property
- Check zoning laws
- Verify restrictive covenants
- Confirm utility connections
-
Land-Lease Communities
- Own home, lease land
- Simplified utility setup
-
Planned Subdivisions
- Purchase home and land together
- Developer handles siting issues
Relocation Considerations
Important Factors:
- Structural stress during transport
- State regulations on:
- Weight
- Size
- Width
- Climate zone compatibility
- Professional transportation required
Associated Costs:
- Transport expenses
- Licensing fees
- New foundation
- Installation
- Utility connections
Summary: Purchasing a Manufactured Home
Today’s manufactured homes offer affordable, customizable housing solutions with many of the same features as traditional homes. Success with manufactured home ownership requires careful consideration of location options, understanding total costs beyond the purchase price, maintaining proper warranty coverage, and following maintenance requirements. Regular inspections by qualified InterNACHI inspectors help ensure long-term value and functionality. Remember that while homes can be relocated, it’s a complex and costly process best avoided if possible.