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Why Choose a Manufactured Home?
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:
- Depending on the region of the country, construction cost per square foot for a new manufactured home averages 10 to 35 percent less than costs for a comparable site-built home.
- Independent appraisal studies confirm that manufactured homes can appreciate in value just like other forms of housing.
Built for Quality:
- All aspects of the construction process are controlled.
- The weather does not interfere with construction and cause delays.
- All technicians, craftsmen and assemblers work as a team and are professionally supervised.
- Inventory is better controlled and materials are protected from theft and weather-related damage.
- All construction materials, as well as interior finishes and appliances, are purchased in volume for additional savings.
- Cost of interim construction financing is significantly reduced or eliminated.
- All aspects of construction are continually inspected by a professionally trained third-party inspector.
Amenities:
- Floor plans are available that range from basic to elaborate. These include vaulted or tray ceilings, fully-equipped kitchens, walk-in closets, and bathrooms with recessed tubs and whirlpools
- A variety of exterior siding is available, including metallic, vinyl, wood, or hardboard. In some cases, homebuyers can also opt for stucco exteriors.
- Homes have pitched roofs with shingles and gabled ends.
- Design features such as bay windows are available.
- Awnings, patio covers, decks, site-built garages and permanent foundations often are available as upgrades
- The home can be customized to meet the needs of the consumer.
Safety:
- The building materials in today’s manufactured home are the same as those used in site-built homes.
- The homes are engineered for wind safety and energy efficiency based on the geographic region in which they are sold.
- Manufactured homes are among the safest housing choices available today due to federal laws requiring smoke detectors, escape windows, and limited combustible materials around furnaces, water heaters and kitchen ranges.
- Properly installed homes can withstand 120-130 mph 3-second gust winds in areas prone to hurricanes.
We refer lender question to American Homestar Mortgage LLP.
Are Manufactured Homes More Vulnerable to Fires?
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.
Are Manufactured Homes Prone to Strong Wind Damage and Tornadoes?
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.
Are Manufactured Homes Energy Efficient?
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.
Will my Manufactured Home Depreciate in Value?
The appreciation in value of manufactured homes comes back to the old real estate axiom — location, location, location. When properly sited and maintained, manufactured homes will appreciate the same as other homes in surrounding neighborhoods.
Datacomp Appraisal Systems recently completed a study that looked at 185 manufactured homes in Michigan, comparing the average sale price when new to the average resale price several years later. The study found the average value of the home had increased by $190, from $26,422 new to $26,612 used. This average figure is misleading, in that 97 of the homes increased in value by an average of $2,985, while the remaining 88 decreased in value by an average of $2,822.
The only accurate conclusion is tha some homes appreciate and some don't. Based on an analysis of 88,000 actual sales, Datacomp found that there are specific reasons why some homes appreciate while others depreciate. These reasons include:
Are Manufactured Homes Really Built as Well as Other Forms of Housing?
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.
Do Modular Homes meet Building Codes?
Modular Homes Meet The Building Codes And Provide Affordable Quality Housing |
Modular homes are a completely new concept in home construction. |
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Modular home construction is more exacting than that found in "site-built" homes |
| and it incorporates the efficiencies and quality control developed for "off-site" |
| The materials and construction techniques you would expect in any quality-built |
| home are exceeded in a modular home. Homeowners also have the added |
| confidence of knowing that their modular home was built in a quality-controlled |
| environment under the watchful eyes of third party inspectors. An added benefit |
| is the fact that the building materials used in the construction of modular homes |
| are never exposed to rain or damaging weather during the building process. |
Just as you would expect of any quality-built home, modular homes meet all local building codes. |
| Modular homes are perfect for city or country living because they can be |
| constructed so quickly. Modulars on inner city home sites have less exposure to |
| vandalism and theft during the construction period. Scattered lot and remote rural |
| home sites pose no problems for modular home construction as they might for a |
| site-built home. With modular construction, crews of carpenters, electricians, |
| plumbers and painters that move from job to job are not needed, and therefore |
| do not delay the completion date. In the city, modular homes can be built just |
| about anywhere because the only difference between a modular home and a |
| site-built home is where they are constructed -not how. |
- Modular homes are constructed to the same code as site-built housing.
- A municipality does not differentiate between modular homes and site-built. A deed is issued for a modular home because once it is installed the home becomes part of the real property.
- Modular Homes are erected on a permanent engineered foundation system.
- AlI components are assembled with exacting patterns (Jigs). Precision fit is assured. All corners are square, all walls plumb and level.
- In addition to nails, rnodulars incorporate bolts, straps and special adhesives in construction. These add additional strength not found in site built homes.
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| Whether homebuyers are looking for cottage comfort or wide-open spaces for a large family, a modular home can be built for them. Modular homes typically feature taped and textured sheet rock walls over 2"x4" or optional 2"x 6" studs on 16" centers, available residential 6/12 roof systems and some even include sunset-friendly porches. All modular homes are erected on a permanent foundation just like a site-built home. The home site is prepared, an engineered concrete foundation is poured and the home is erected on the foundation. A modular home is actually stronger than a traditional site-built home and are commonly engineered to withstand winds of 120 mph. |
| Quality materials and construction of modular homes provide great value |
| for the homebuyer and for many years into the future. |
| Modular homes are built with the same brand names you trust in the construction of any new home. From floor to ceiling, fixtures to appliances, every feature is designed to provide comfort, security and ease of maintenance long into the future. |
| Modular homes are built for energy efficiency -thermal pane windows, elevated levels of insulation and a 13·SEER air conditioning system -start the list. Not only does this mean a more comfortable environment for the homeowner, it also means that it will save thousands of dollars in energy bills over the years and reduce greenhouse gas emissions. |
| The quality of a modular home can be seen in the details. |
| When you tour a modular home, look at the details. Notice the cabinetry, trim and fixtures. You'll discover quality workmanship and brand-names that you know and trust. The same is true of the appliances. Modular homeowners can expect many years of trouble-free home ownership. |
| Materials used in the construction of modular homes meet or exceed recommended guidelines and codes. When you compare modular homes with site built, this is especially important to note. |
| Modular homes come in all sizes and designs. Modular homes offer designs with 660 to over 2,600 square feet of living space, and a wide range of pricing. In addition, Oak Creek Modular Homes include a Seven Year Warranty after move in. |
| Modular homes, like traditional site-built homes, are financed with a mortgage and qualify for the same mortgage programs as traditional site-built homes. |
| Industrialized Builders are Licensed and Registered· |
| Modular manufacturers and builders are licensed under the Industrialized Housing and Building Code through Texas Department of Licensing and Regulations. |
Modular homes come in many sizes, designs and price ranges.
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