Modular or Manufactored Home per FHA?

[Jo Ann Meyer Stratton]

A frame or chassis or steel undercarriage does not determine the type of home; manufactured homes, mobile homes and on frame/chassis modular homes have a frame or chassis or steel undercarriage that provides the structural support for the home. It is the building code that was followed in the factory to construct the home that is supported by the steel frame that determines the classification for financing purposes.

HUD building code after June 15, 1976 = manufactured home

Voluntary industry code before June 15, 1976 = mobile home

IRC (International Residenitial Code) or UBC (Uniform Building Code) or other building codes applicable for the area the home will be installed = modular homes

Also--posted as a sticky in this section is a link to a site that has illustrations of modular code labels applicable in each state. But the HUD label/tag/seal is nationwide.

Those are the three building codes that are recooniguized by all financial instutions. Some manufactured homes constructed in the early 1980s had a wood frame instead of a metal frame but are manufactured homes because of the HUD building code.

Any official of any governing agency that tells you different is confused and wrong. FHA, Fannie Mae and Freddie Mac have very specific guidelines regarding the HUD building code. And if originally constructed in the factory to the HUD building code, it is a manufactured home.

Remember Helga's old tag line--For the Last Time, It is a Manufactured Home!!!!!!!