Oak Creek Factory Direct Homes are cost-effective, built for quality, have a wide arrange of ammenites and among the safest housing choices available today.

Cost-Effective:

Built for Quality:

Amenities:

Safety:

We refer lender question to American Homestar Mortgage LLP.

The fact is that manufactured homes are no more prone to fire than homes built on site, according to an annual repot released by the Oklahoma State Fires Marshall's Office.

Similar studies have echoed the above statement made by the Foremost Insurance Company. A national fire safety study conducted showed that site-built homes are more than twice as likely to experience a fire than manufactured homes. According to this study, the number of home fires is 17 per 1,000 for site-built homes, while only eight per 1,000 for manufactured homes.

That is because manufactured homes adhere to strict construction standards. Manufactured homes are the only homes with a national building code.
Some resistant features of the HUD code include strict standards for flame spread and smoke generation in materials, egress windows in all the bedrooms, smoke detectors and at least two exterior doors, which must be remote from each other and reachable without passage through other doors that are lockable.

In areas prone to hurricane-force winds (known as Wind Zones II and III, according to the HUD's new Basic Wind Zone Map) the wind safety standards taht manufactured homes be resistant to winds up to 100 miles-per-hour in Wind Zone II and 110 miles-per-hour in Wind Zone III. In both these zones, the standard for manufactured homes is now more stringent than the current regional and national building codes for site-built homes located in these wind zones.

An important element in the adequate wind safety of a manufactured home is the proper installation and anchoring of the home according to the manufacturer's instructions. Installation standards are regulated on a state-by-state basis. When properly installed and anchored, the manufactured home's wind resistance is significantly improved.

Furthermore, there is no meteorological or scientific basis to think that manufactued homes attract tornadoes. A tornado's deadly force does not selectively discriminate between the site-built and manufactured home or "mobile home" (those built prior to the HUD Code's implementation in 1976.)

In most of the country (non-hurricane-prone areas), manufactured homes are built to withstand sustained winds in the range of 70 miles-per-hour. Above this range, a manufactured home will experience some form of damage. Only in the case of severe weather, such as a tornado, are these areas likely to experience winds in excess of 70 miles-per-hour.

On October 24, 1994 a new minimum energy conservation standard became effective. The new energy standards are resulting in lower monthly energy bills, a factor industry officials say will enhance the affordability of manufactured housing and, perhaps, improve mortgage underwriting terms. Improved home ventilation standards have also been adopted in conjunction with the energy standards, a step that will improve indoor air quality and condensation control in manufactured homes.

HUD's new standards require that manufactured homes comply with one of the three alternative options: design the home's overall thermal efficiency to account for heat loss through the insulated surfaces of the thermal envelope for three thermal zones (better known as Uo-values); adjust Uo values with credits for high efficiency heating and cooling equipment; or by totally redesigning the home with new innovative technologies that use no more energy than published Uo values. Zone II, including Oklahoma, requires a Uo of 0.096. These efforts are ensuring that manufactured homes remain affordable, not only in start-up costs, but for the life of the home.

Studies examine manufactured homes’ value

By John Sweeney | Editor: The Weekly Observer
Published: October 12, 2009

JOHNSONVILLE— Multiple studies over the last thirty years have shown manufactured homes adjacent to and among site-built structures have had neither a positive nor negative effect on the property values in a surrounding area.

Separate research done by the University of Michigan, East Carolina University and Consumers Union each reported that manufactured homes not only had the potential to increase in value over time but that, if properly maintained, can match the performance of a site-built home.

“Much…discussion has centered on the potential negative effects manufactured homes might have on the value of adjacent properties,” one study’s conclusion read. “However, our research has shown that this concern about property values is not justified.”

“…average appreciation rates of manufactured homes packaged with owned land are statistically in line with the site built market,” another said. “There are few inherent reasons that a home built in a factory should perform differently than on built on site.”

But even the Consumers Union concluded that no concrete evidence could be found to suggest that property values of site built homes surrounding even rented manufactured homes were affected one way or another.

Some studies have even concluded that site-built homes near communities of manufactured ones—in some cases even those used as rental properties—had even increased significantly in value over time.
All three studies agreed that should a manufactured home be placed on a privately owned parcel of land in a generally valued location, and “purchase price and maintenance expenditures are among the factors that predict appreciation,” the a property value assessment would have the same opportunity to increase in value as a site built home on the same spot.

In other words, if a manufactured home was properly maintained, there were not many factors that existed to prevent it from appreciating over time in a similar manner as a site-built home.

According to the Manufactured Housing Institute of South Carolina, if a manufactured home is properly maintained, the value of that home has the potential to appreciate “as much if not more than site-built homes.” 

On average, manufactured housing has appreciated anywhere from four to five-percent in South Carolina for the last 20-plus years.

Manufactured homes are built with virtually the same construction materials and techniques as site-built homes. The only differnece is that manufactured homes are built in a factory environment, where building materials are protected from weather damage and vandalism. Manufactured homes are built to the federal Manufactured Home Construction and Safety Standards, better known as the HUD Code, which is administered by the U.S. Department of Housing and Urban Development (HUD).

The HUD Code is unique since it is specifically designed for compatability with the factory production process. Performance standards for heating, plumbing, air conditioning, thermal, and electrical systems are set in the code. In addition, performance requirements are established for structural design, construction, fire safety, energy efficiency, and transportation from the factory to the customer's home site. To ensure quality, the design and construction of the home is monitored by both HUD and its monitoring contractor, the National Conference of States on Building Codes and Standards (NCS/BCS). The familiar red seal (the certification label) attached to the exterior of a manufactured home indicates that it has passed perhaps the most thorough inspection process in the homebuilding industry.