Manufactured Home vs Modular Home

[TerryRohrer]

It is possible (and I have personally seen it) where efforts were made to disguise the steel chassis of the manufactured home, or even to remove it, but you can be assured that no one would ever dig up HUD tags and data plate and paste them on a modular home attempting to disguise a modular home as a manufactured home! Had they been as clever as they seem to think, they would have removed those clear indicators, too. You would be well advised to heed the warnings you are getting (particularly the one where the lender is balking), lest you become the owner of a manufactured home that you cannot sell for the same reasons!

 

[TN Pro]

Thats is %100 a manufactured home per the tags. There are wooden floor joists. I once had a borrower tell me he was going to "remove" the chassis on his HUD code home. I strongly advised him that would be a terrible idea.
You should walk away from that house, its got issues

 

[glenn walker]

Now this is poor speculation but the home was manufactured in Indiana 1986 -When was it placed on this foundation ? Had it been moved from another site and the seller jury rigged it to fit on this basement type raised foundation ? For 35 years old the wood everything looks much newer. I have a feeling the home may have been on a different lot and it has been moved and I have seen this before where owners skipped some processes with Building-City-County to keep under the radar with assessor-He may have even told the Tax Assessor it was modular because in some areas they never even look at a property physically. Anyway no matter what -I would - walk because when you go to sell it or refinance it in the future you may have to find an -all cash buyer or carry the mortgage for them. It may be a blessing in disguise before you stepped on a land mine : )

 

[DWiley]

Laughing at myself now - just went back and looked harder at the tags. The tag actually says, "This manufactured home...." Just sayin'

 

[glenn walker]

Laughing at myself now - just went back and looked harder at the tags. The tag actually says, "This manufactured home...." Just sayin'

Danny appraisers are not known for being detailed --my first thought as an -appraiser was what kind of loan has been placed on it in the past or is there currently a loan on it ?

 

[spittman]

Both the dataplate and tag say "manufactured home". How can it be anything else?

 

[spittman]

I looked up Patriot Homes and noticed they have/had a division called EnergyMate. Could this be what the "E.M." stands for in the serial number??? Further research indicate that EnergyMate made high end manufactured homes that look like contemporary homes whatever that meant back in 1986.

 

[mapweb2000]

HUD tags and numbers would indicate that this is a manufactured home built to HUD specifications and not modular. DWiley is correct that modular homes are built to local codes and not HUD.

Curious about your joists. Modular can be built on steel chassis which is considered a hybrid. Most usually called an on-frame modular. I’ve never seen a HUD home on wood joists.

But I haven't seen everything

Thanks. I included a photo of the floor joists in a post below if you're interested. I was wondering about it being some type of hybrid also based on the construction, but that doesn't seem to be the case because of the HUD tags.

 

[sputnam]

It might be fine. It might not. I'd pay an engineer to look at the floor structure.

 

[Tim Hicks (Texas)]

Laughing at myself now - just went back and looked harder at the tags. The tag actually says, "This manufactured home...." Just sayin'

HUD tags are kind of a give away, ain't it.