8: Improve Window Performance

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Save energy with storm windows in your manufactured home.

Save energy with storm windows in your manufactured home.

In manufactured homes, Storm windows can be installed over existing windows to improve their insulation value and dramatically reduce air leakage and drafts. Separate, removable storm windows can be installed in seasons when heating or cooling is typically necessary. Storm windows can be removed during more temperate seasons or if windows need to be operable for ventilation. Storm windows are most needed in cold climates, and less important in warmer regions. Triple-track storm windows, mounted outside the primary windows, open and close easily and provide screens, but they are quite expensive and generally must be installed by professionals. Interior storm windows have been found to work best for manufactured homes, and only these will be addressed here.

Not all storm windows will work on manufactured homes because of the way windows are installed. Be sure you select windows suitable for your home. Following these tips will reduce the cost of heating your home and make it more comfortable during the coldest times of the year.

Even though storm windows add little to the insulating performance of single-glazed windows (that are in good condition,) field studies have found that they can help to reduce air movement into and out of existing windows. Therefore, they help reduce heating and cooling costs.

Storm windows are available for most types of windows. They can be installed on the interior or exterior of the primary window. They range from the inexpensive plastic sheets or films designed for one heating season, to triple-track glass units with low-emissivity coatings that offer many years of use. Mid-priced storm windows may use glass, plastic panels, or special plastic sheets that have specific optical qualities. Those made of polycarbonate plastic or laminated glass also offer a high degree of resistance to breaking during storms and/or from intruders.

6: Improve Water Heater Performance

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Lower energy costs in your manufactured home with an efficient water heater.

Lower energy costs in your manufactured home with an efficient water heater.

Most manufactured homes have conventional storage-tank water heaters located in closets. Older manufactured homes sometimes have smaller water heaters in kitchen cabinets instead. Electric and gas-fired water heaters are the most common.

Water heating accounts for about 15% of energy costs in a typical manufactured home. Improving the energy efficiency of the water heater can save a significant amount of money over the water heater’s lifetime.

The True Origin of The Mobile Home

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Mobile Home Origins

So you think you know how Mobile homes came to be called such? Easy, Right? Because they can be moved from place to place, hence a home that is Mobile. Mobile Homes.

Well, this is actually a common misconception.

According to snopes dot com, “The origins of the mobile home are tied to the end of World War II. The rapid downsizing of the U.S. armed forces after the surrenders of Germany and Japan in 1945 brought back millions of servicemen (and servicewomen) to the United States from overseas in the mid-1940s, many of whom were coming of age and anxious to establish their independence, attend college, get married, and raise children. This demographic bulge, coupled with America’s burgeoning post-war recovery from the Great Depression and a wartime economy, created an unprecedented demand for housing — both for standard residential units and for quarters to accommodate the many servicepeople who were taking advantage of G.I. Bill benefits to complete their educations at colleges, universities, and other types of schools.

The widespread use of military-style prefabricated housing eased the severe housing shortgage temporarily, and the eventual creation of suburbs such as Levittown took care of much of the long term need, but neither of these solutions addressed a potentially lucrative marketing niche — people who were dissatisfied with living in barracks-like housing but didn’t want to (or couldn’t) wait years for the construction of affordable suburban housing. It was James and Laura Sweet, a couple from Prichard, Alabama, (a town just outside of Mobile) who came up with the concept that fulfilled that market niche.

James Sweet, a machine shop supervisor by trade, was reportedly finishing off his workday lunch one afternoon in January 1946 when a newspaper article about the post-war housing shortage caught his eye. What if, he thought, someone could manufacture a type of housing that could be put together cheaply and quickly at a central location, but was small and light enough to be transported to wherever the purchaser wished to locate it? Something like the prefabricated structures of the era, but much nicer and more home-like — a prefab housing unit divided into discrete rooms (rather than one large open space) with all the electrical and plumbing fixtures already in place. They could be built as one- or two-piece units, then loaded onto flatbed trucks and delivered wherever the purchaser desired.

Sweet’s wife, Laura, was a commercial artist who did illustrations for magazines, and she drew up a few simple floor plans according to her husband’s directions. James Sweet built a couple of prototype units in his off-work hours to prove his concept viable, and then, satisfied with the results, used the couple’s savings, mortgaged their home, and borrowed against his life insurance to establish Sweet Homes, a company dedicated to the manufacture and sale of prefabricated  homes.

National advertising was still something of a rarity in the 1950s, but as the new national highway system enabled the sale of prefabricated homes to spread outwards (mostly to the north and west) from the Alabama/Mississippi area, more and more consumers were exposed to the houses, liked them, and began clamoring for their own “Mobile homes.” Business boomed, more manufacturers entered the fray, and factories were established all over the U.S. to better serve local customers. Eventually whole communities of these types of homes were created all across the country, populated by homeowners who preferred them to more expensive and more closely-quartered suburbs full of site-built housing.

Over the years, however, as the generation who fought World War II aged and prefabricated homes became commonplace throughout the U.S., newer consumers were unaware that the appellation “Mobile home” was a geographic reference, a term coined in acknowledgement of the area in which the industry got its start. The name was more and more frequently rendered as a common compound noun (“mobile home”), leading many to mistakenly conclude that it referred to houses that were “mobile” — that is, movable from place to place. While “mobile homes” can indeed be transported, they are of course far from mobile — in the vast majority of cases they are never moved off the sites to which they are originally trucked. (Most “mobile homes,” once situated, are moved again only if their owners replace them with newer models, or if they have to be removed because the land on which they sit has been converted to other uses.)”

And now you know the true origin of the Mobile Home.

go to snopes dot com for further information and literary citations.

Mobile Home Loans in the Economic Recovery

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Mobile Home Loans in the Economic Recovery

In the current economic recession, it seems like the average American is able to afford less and less.

These unfortunate circumstances have placed affordable housing in quite high demand. It’s no surprise now that manufactured homes and mobile homes are paving the way when it comes to reasonably priced housing. With this increased demand, there will be more and more Americans living in factory built homes. As ownership of manufactured and mobile homes has increased, so has the demand for Mobile Home Loans.

At the introduction of manufactured and mobiles to the housing market, most of the average mortgage banks were uninteresed in offering Mobile Home Mortgages. Most mortgage banks lumped Mobile home loans in the same category with car or vehicle loans. Much like vehicles, manufactured and mobile homes were thought to quickly depreciate in value, unlike a traditional stick-built home or condo that typically sees equity gaining over time.

Due to the lack of equity appreciation, for many years it was improbable that a manufactured or mobile home refinance or equity loan would be made available to owners of factory built homes at all.
As time went on, home values skyrocketed faster than general income could keep up with. The depreciation of manufactured and mobile home owner’s equity started to slow down.  Eventually the equity losses  stopped altogether. Manufactured and mobile homes soon were actually increasing in equity, in part due to the increasingly superior quality and safety of manufactured and mobile housing, coupled with federal and state laws governing the factory-built process.  While mobile home owners invested in their homes and continued to maintain and improve them, they gained precious equity.

Today, rate-and-term mobile home refinance loans and cash-out equity loans have become readily available to eligible owners of manufactured or mobile homes. It has become reasonably easy to locate what was considered “non-traditional” and even undesirable financing for manufactured or mobile homes.

As the current real estate market begins to recover, the manufactured and mobile home market endures the same loss of value as the “stick-built” and condominium homes. In the midst of the recovery, manufactured and mobile homes still remain viable for financing at terrifically competitive interest rates. These loans should be eligible for rate-and-term refinancing in the not-too-distant future and perhaps even “cash-out” equity loans in the somewhat-near-future.
There was a time when a manufactured or mobile home loan was frowned upon as a mere “car loan”.
Those days have long passed as manufactured and Mobile Homes have emerged as the last affordable housing in America with competitive financing available to qualified buyers.

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.

“Did you Know?” Mobilehome Edition

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beautiful mobile home

Did you know… ?

if a manufactured home was built after September 1, 1958., alterations to the electrical, plumbing, or mechanical systems of a manufactured home require a permit and inspection from the Department of Housing and Community Development regardless of where the home is located.

Did you know… ?

a community park manager or management association must obtain permission from HCD or the local enforcement agency to move lot lines for individuals residing in the park, after obtaining a homeowner’s approval and meeting other requirements. See Title 25 California Code of Regulations section 1104(d) here.

Did you know… ?

the rules and regulations of a mobile home park must be given to the resident at the time of application for tenancy and with new leases/extensions. There is no requirement to post the park rules, however.

Did you know… ?

Mobile Home park management can require homeowners to correct violations of local and/or state regulations for the unit and accessory structures. Management generally cannot require a homeowner to make physical improvements to park-owned property or structures, including the lot.

See MRL sections 798.73.5 an 798.83 in the Civil Code for more information Here.

Did you know… ?

Contrary to popular belief, fixed rate financing IS available for mobile homes and manufactured homes built prior to June of 1976. Visit California Manufactured Home Finance’s website at  www.camhf.com for more information on financing a mobile home.

This concludes today’s Mobile home edition of  ”Did you know?”

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/

Mobile Home Marvel with the Trailer Wrap Project

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Mobile Home Transformation by Trailer Wrap

Mobile Home Transformation by Trailer Wrap

Trailer Wrap projects make affordable and ecologically concious remodeling efforts possible, transforming  used 1970’s “trailers” into beautiful, environmentally sound modern homes (that could be featured in model home magazines).  From TrailerWrap’s website “TrailerWrap is a collaborative, design + build project that addresses issues of sustainable and affordable design in the context of the ubiquitous American trailer park. At the scale of an individual building, the project explores the potential for augmenting this affordable housing typology with outdoor living space, improved, energy efficient construction and high volume, light-filled interiors. At the urban scale the project reexamines the mobile home park as a model for equitable, high-density alternatives to suburban sprawl. In pushing the envelope of adaptable reuse, the TrailerWrap project seeks to create exciting, small scale, high density, and affordable architecture with a social and environmental conscience.”

On the flip side, some might say that such a project detracts from one of the main benefits of manufactured housing; the controlled environment that the homes are produced within, which ensures quality, affordability and reduces environmental waste.

Trailer Wrap Interior Photo

Trailer Wrap Interior Photo

Other’s may be conerned with the reduced functionality of the actual mobile aspect of this type of home. However, Trailer Wrap has prepared for such concerns and ensures that the homes remain mobile by definition and compliant with goverment mobile home codes. The Trailer Wrap website purports, “This project conforms to the code governing mobile homes because it doesn’t require traditional foundations and the unit retains a functioning chassis. Substantial concrete piers and demountable steel connections serve as wind tiedowns, but those tie-downs are permissible because they do not emerge above the ground plane and they can be disconnected from the chassis.”

More information on the Trailer Wrap project can be found on the informational pdf offered at Trailer Wrap.Net