Modern Manufactured Home Designs

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modern manufactured home

modern manufactured home

The new iHouse by Clayton offers a modern and energy efficiency in a manufactured home design, with a price tag starting at about $100,000. This is the first of it’s kind in the manufactured housing community, and it is revolutionary.

A statement from the iHouse website reads:

“The i-house is now available for those who are committed to modern living. If you wish to begin the process of acquiring the i-house and become a Charter 100 owner please register using this page. Your personal i-house building specialist, who will listen to your needs, communicate developments and assist you in delivering your efficient and environmentally responsible home, will contact you. Take the first step to living responsibly for the next generation.”

More Information:
iHouse website
iHouse Brochure

How are Manufactured Homes Built?

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Manufactured Homes are built in a factiry.

Manufactured Homes are built in a factory.

Buying a new manufactured home means you don’t have to spend your time fixing-up an old site-built home. Since the buyer chooses the colors and textures of the inside and outside of a manufactured home, there aren’t any aesthetic improvements necessary either. Many people who live in mobile homes say that the low maintenance feature is a large selling point for them.

Modern manufactured homes are nothing like what you may have seen 20 years ago. They are much better. Manufactured homes are well built and have many advantages, including energy efficiency, quality workmanship, and dry wood manufacturing. The energy efficiency can be found in the use of thick insulation and quality windows and doors. This eliminates drafts in the house, and prevents climate-controlled air (which you pay for) from getting outside. So, your heating and cooling costs are lowered, and most importantly you stay comfortable.

There are two options on where to place a manufactured home, in a mobile home community or on private property. There are benefits to each, it just depends on your preferences. In a community, you own the home, but the site is leased. Many communities provide clubhouses, pools, and more. Communities also usually have very little upkeep or yard maintenance, and allow you to develop close relationships with neighbors, and even participate in social events. A manager, who lives in the community is there to serve the needs of the homeowners, from solving problems to keeping everyone safe. Home Security Systems can also be installed in manufactured homes to increase the security, or include medical alert features.

Modern Manufactured Homes are often mistaken for site-built homes, because they can look so similar. Steeper roof’s, gables, and larger floor plans all make a mobile home more desirable to buy and live in. Also, home buyers also have the option to add matching garages or separate storage buildings.

People who would like to live in a larger plot of land, may choose to place their manufactured home on private property. Of course this is more expensive up front, but there is no leasing with this option. Whether a homeowner chooses to place their manufactured home in a community or on private property, they have the same options across the board. There are three options for a foundation: concrete slab, crawl space, and a full basement.

10: Insulating the Walls, Floor and Ceiling

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Insulating your walls, floor and ceiling in your mobile home will save on energy costs

Insulating your walls, floor and ceiling in your mobile home will save on energy costs

Insulation in walls, floors, and ceilings acts like a blanket, keeping the heat inside your home in winter—and keeping the heat out of your air-conditioned home in summer. Like a blanket, the thicker the insulation, the better it works. The performance level of insulation is called its R-value, which indicates its resistance to heat flow. (As R-value goes up, energy use goes down).

Insulation in manufactured home walls and floors is usually fiberglass batts. Ceiling insulation is usually loose-fill fiberglass or cellulose. Before the first energy crisis in 1973, most homes built in the U.S.—including manufactured homes—contained little insulation. The level of insulation used in homes has been increasing ever since. The recommended amount of insulation for a given house depends on its climate; colder climates generally demand more insulation.

Determine if your home is a candidate for adding insulation. Decide what part of your home, if any, should be insulated: floor, ceiling and/or walls.

3: Eliminate Leaks in Ducts

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Leaky Ducts in a Manufactured Home make the AC or heater work overtime.

Leaky Ducts in a Manufactured Home make the AC or heater work overtime.

Most manufactured homes have forced-air heating systems. Air from the home is forced through the furnace, where it is warmed by a hot metal heat exchanger or electric heating coils. The warm air is then blown through a system of ducts, and out into each room through registers. In most mobile homes with central air conditioning, the same ducts are used for delivering chilled air during the summer.

The ducts in manufactured homes are commonly in the floor or in hotter climates they may be in the ceiling. Typically, each section of a manufactured home has a main trunk duct running its length. Multi-section mobile homes (such as double-wide units) usually have crossover ducts that connect the main trunk ducts. With ceiling-duct systems, the crossover is in the attic and usually inaccessible.  In floor-duct systems, the crossover is beneath the home and accessible from the crawlspace.

Leaky ducts are common in older manufactured homes and can dramatically increase heating and cooling bills. It is not uncommon for an older duct system to lose 20% of the heated or chilled air to the outside. If your annual heating and cooling bill is $2,000 and your ducts are leaky, you could be spending $400 every year to heat and cool the outdoors.

Compared to other energy upgrade measures in a typical manufactured home, sealing the ductwork has one of the largest payoffs relative to its cost. You’ll save on your heating and cooling bills, enjoy increased comfort, and reduce the risk of moisture problems.

Mobile Home Loans – Quick Tips

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Are you thinking about refinancing your mobile home or getting a loan to purchase a mobile home or a manufactured home?
Make sure the lender you are working with is Qualified to lend in your state and that they have a good standing reputation.
Here are some Important questions to ask your lender:

What licenses do you have to lend in this state?
Are you a member of any Manufactured Housing Associations in the state?
How long have you been in business?
What state are you located in?
What state will my loan be processed in?
Are You Able to Lend your own Funds?
Are You Equipped to Service Loans In-House?

Can Mobile Home Owners Refinance “Upside Down” Loans?

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With the economic down-turn and the current home value decline, many mobile home owners are finding themselves stuck when it comes to refinance options. What options exist when there is no equity left in a mobile or manufactured home?

Lender’s use the term “upside down” when the value of a mobile home is less than what is currently owed on the mobile home mortgage.

Sadly, in this case, most homeowners will have trouble refinancing their loans with a conventional mobile home lender. A lender wants to ensure that if a homeowner defaults on their mortgage, the value of the home (if forced to foreclose) will exceed, or at least, meet the amount that is owed on the loan.

If a homeowner owes the bank more than the home is worth, waiting out this economic downturn is the only option. A homeowner will need to wait until home values go back up, while their principal balance on the mortgage goes down. Until the value of the home exceeds the amount owed, refinancing a mobile home loan or pulling cash out from the equity on the mobile home is not a viable option.

Fore more direct, honest answers like this, check out the California Mobile Home Finance website at http://www.camhf.com

Another One Bites the Dust

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According to a recent LA Times article, Green prefab architecture firm Michelle Kaufmann Designs is closing it’s doors.

“Kaufmann, who worked for Frank Gehry and Michael Graves early in her career, was a pioneer in the so-called modern prefab movement of recent years. She was also one of the first architects to make a persuasive case that prefab design, which reduces construction waste and damage to building sites, among other benefits, was in a number of ways synonymous with sustainability.”

“Kaufmann’s own efforts, she said, were undermined by the economy’s rise and its fall. During the last few years of the housing boom, as she was starting out, many factories were so busy making money with conventional prefab construction that they saw no reason to experiment with more innovative designs. As the economy has soured, many of those same factories have gone out of business entirely. And lenders, who during the boom looked for excuses to approve even the most exotic mortgages, have taken on the kind of conservatism that formerly marked prefab builders.”

Although lending on mobile homes, manufactured homes and pre fab homes has tightened up, financing is still easily available to qualified home buyers and home owners. Now more than ever, it’s important to have a trustworthy, licensed lender, with a great reputation, like CAMHF, on hand.

Blue Sky Homes builds an All Steel Pre Fab Home

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Blue Sky Homes, LLC, has developed a stunning prototype project.

The Jetson Green blog reports “The goal of the prototype home was to test out the Blue Sky Homes’ Building System, which consists of light-guage steel framing, factory fabrication, on-site assembly, flexible design, and high sustainability.  The design exceeds Title 24 energy requirements by 15%, and green elements include bamboo and FSC-certified cabinetry, solar PV, solar hot water panels, grey water system, low-VOC paints, high-performance double-E windows and doors, Energy Star appliances, efficient STEPs (steel thermal efficiency panels), and abundant natural light.”

Digging deeper into this prototype, we discovered that Blue Sky has put together a slideshow, showing 5 days of the building process for their all steel prototype.

Check out the slide show Here or the Time Lapse Video Here

The finished product:

Not Too Shabby!

For more info, visit Blue Sky Homes website.

Mobile Home Park Inspections Explained by The Department of Housing

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Every 5 to 7 years, California law requires that the California Department of Housing and Community Development maintain an health and safety hazard inspection on every mobile home or manufactured home community in California. The Department of Housing, or HCD, has released this informative video, explaining why these inspections are necessary.

screenshot

Mobile home and Manufactured home communities provide desireable lifestyles at affordable costs, however, the nature of such community style living requires that each homeowner be responsible for maintaing their home and their lot to ensure that the community remains free of any illegal health and safety hazards.

To ensure that each Mobile Home park remains free from these hazards,  legislation was put into place in 1991 that ensures every mobile home park in the State of California is inspected every 5 to 7 years.

In the course of their research, the Department of Housing realized that most of the violations exist because home owners and park operators simply do not realize that the violations are illegal and dangerous. However, the following examples of common violations are offenses that must be corrected to ensure the safety of the home owners and the general public:

Broken Windows

Missing Steps

Combustibles stored under homes

Blocked emergency exits

Another common fire safety violation is the construction of a combustible accessory structure, such as a shed. The easiest way to remedy this violation is to remove or relocate the structure.

Awnings and screens that are attached to homes sometimes are added by homeowners that don’t realize that the home was not manufactured to support additional weight. For this reason, adding an awning or screened in area to your home must be done with a construction permit.

Other common violations are missing handrails and guardrails along the steps and porches of manufactured homes. The law states that handrails must be present if there are more than two steps attached to the home. Guardrails must be present on porches that are 30 inches from the ground. While these handrail and guardrail requirements seem strict, statistically most injuries in manufactured home parks are caused by falls in and around one’s own home.

These are the typical, correctable violations that are most commonly seen in mobile home parks.

Lastly, when an inspector visits your park, you should know that the inspector is not allowed to enter your home without your permission, however, the inspector is required to enter your lot for the inspection. The inspector must inspect the condition of your lot, your utility hook uips and the exterior of your home.

The iHouse

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Talk about buzz!

In the Manufactured Home Industry, there has been much talk recently surrounding the iHouse, manufactured by Clayton Homes. Clayton Homes has dedicated a website, ClaytonIhouse.com, to showcase their newest, eco-friendly, pocket-book pleasing homes.

From Mnn.com, ”The Clayton i-house is available is in two sizes at two different price points: The 723 square-foot, one bed/one bath i-house I starts at $74,900. The 1,023 square-foot, two bed/one bath i-house II starts at $93,000. Both homes can be configured in at least seven different ways and include eco-friendly and energy-saving features like low-e windows, dual-flush toilets, butterfly style rainwater-collecting roofs, tight insulation, zero-VOC paint, and more. Not included are optional bells and whistles like solar panels, bamboo flooring, etc. and the cost of shipping the prefabricated home to the placement site. ”

These purchase prices may yield monthly mortgage payments as low as $575 – $700!*

Right now, these small sized, economically made homes are of increasing consumer interest. In a less than stable mortgage market, the trends towards purchasing a reasonably sized home with a low-moderate sized mobile home mortagage couldn’t be more appealing to consumers, especially with homes this gorgeous & ec0-friendly.

livingroom, model 1

kitchen, model 1

*O.A.C, inquire for more details at (800) 882-1999 or visit http://www.camhf.com/