Pre 76 Factory Built, Is This A "mobile Home"

[Tim Schneider]

This home was built in 1973 by Dickman Homes of Spencer, WI. They went out of business in the late 70's.

It is a wood framed structure, no signs of axles or a hitch. Set on a full basement. Original home is 14x72, front part is an addition.

Is this or is this not a mobile home (or pre 76 manufactured by FNMA definition), and thus is a FNMA allowable structure?

 

[Dublin ohio]

IMHO. It could have ever been a "mobile" home. All wood under structure. How could it possible have been transported except on a flatbed. Looks more like a type of prefab home. Were not very popular. But they were around. I think that FNMA would view this like they would a modular. I could be wrong. But the photos you provided look more like a stick built home except it is obvious to me the large wood beams were put there to support a pre constructed unit. Also looks like a poured wall foundation. Not very common in the 70's.

 

[Terrel L. Shields]

Wood frame modular. So was it built under any codes? Can you even tell?

 

[Tim Schneider]

Wood frame modular. So was it built under any codes? Can you even tell?

No way to know, super rural area, no records

 

[edward sekerak]

No steel undercarriage, chassis, or sub-frame. I say modular or frame dwelling. Where is the circuit breaker box at ? Looks like someone built a frame dwelling on an existing singlewide mobile home basement and just nailed the nameplate to a beam. How did you determine it was built in 1973 by Dickman Homes?

 

[glenn walker]

PRE-1976 Fannie-Freddie Means only a manufactured built after 1976 can be financed so if this was build in 1973 it has no HUD tags or identification in the system. Initially I thought this was a modular but based on the original structure 41 X 73 It was probably a manufactured-mobile and the wood underneath looks much newer than 45 years old ? I have a hunch the foundation and basement was not done 45 years ago ? I would researched when this was actually placed in this location but unless someone appraises this as a modular home it will not go with traditional financing.

 

[Artemis Fowl]

That nameplate appears removed from something else and moved to the beam at some point. Evident by the broken corner screw hole...no screw...no hole.

 

[Rlong]

Lacking any chassis, and remnants of an undercarriage I believe you could and should describe just what you see (they see with pics) and explain that you view it as early modular. (certainly not HUD code manufactured anyway). Let the underwriter "write it" how the please. But a "mobile home" is typically pre-1976 "manufactured" and I don't think that is a good description for what you have. Pre-1976 manufactured are usually infamously inferior quality of construction. paneling interior with thin (not a 2 x 4) interior walls.

 

[Tim Schneider]

That nameplate appears removed from something else and moved to the beam at some point. Evident by the broken corner screw hole...no screw...no hole.

Dickman per the assessor

 

[Deleted member 128537]

Tough call. I had one like this about 10 years ago. It was a manufactured home that had little remnants of it left, but I still called it manufactured. This looks to me something similar. If you don’t know for sure, then I would do it as site built or modular and proceed from there. Just put in an extraordinary assumption that you are doing it as a site built or modular because you have nothing to tell you otherwise.

On flag is that I noticed PEX tubing. That is clearly an upgrade. When was that done?