Single-wides are more likely to be traded than double-wides because removing them from the site is easier. These "used" homes are either re-sold to new owners or to park owners who use them as inexpensive rental units. While site-built homes are rarely moved, single-wide owners often "trade" or sell their home to a dealer in the form of the reduction of the purchase of a new home. Triple-wides and even homes with four, five, or more units are also built but less frequently. Double-wides are 20 feet (6.1 m) or more wide and are 90 feet (27 m) in length or less and are towed to their site in two separate units, which are then joined together. Single-wides are 18 feet (5.5 m) or less in width and 90 feet (27 m) or less in length and can be towed to their site as a single unit. Mobile homes come in two major sizes, single-wides and double-wides. In that way, mobile home loans resembled motor vehicle loans more than traditional home mortgage loans.Įxterior wall assemblies being set in place during manufacture
Terms were usually limited to less than the thirty-year term typical of the general home-loan market, and interest rates were considerably higher.
However, the tendency of the units of this era to depreciate rapidly in resale value made using them as collateral for loans much riskier than traditional home loans. The units were often marketed as an alternative to apartment rental. Many people who could not afford a traditional site-built home, or did not desire to commit to spending a large sum of money on housing, began to see factory-built homes as a viable alternative for long-term housing needs.
#Zone 2 mobile home wind rating code#
Mobile homes permanently installed on owned land are rarely mortgageable, whereas FHA code manufactured homes are mortgageable through VA, FHA, and Fannie Mae. Mobile homes built in the United States since June 1976, legally referred to as manufactured homes, are required to meet FHA certification requirements and come with attached metal certification tags. Removal of the tongue and axles may also be a requirement for real estate classification.Įxample of a modern manufactured home in New Alexandria, Pennsylvania. In some states, mobile homes have been taxed as personal property if the wheels remain attached, but as real estate, if the wheels are removed. Nowadays, when a factory-built home is moved to a location, it is usually kept there permanently and the mobility of the units has considerably decreased. During the late 1960s and early 1970s, the homes were made even longer and wider, making the mobility of the units more difficult.
#Zone 2 mobile home wind rating professional#
The smaller, "eight-wide" units could be moved simply with a car, but the larger, wider units ("ten-wide", and, later, "twelve-wide") usually required the services of a professional trucking company, and, often, a special moving permit from a state highway department. All of this helped increase the difference between these homes and home/travel trailers.
The homes were given a rectangular shape, made from pre-painted aluminum panels, rather than the streamlined shape of travel trailers, which were usually painted after assembly. Previously, units had been eight feet or fewer in width, but in 1956, the 10-foot (3 m) wide home ("ten-wide") was introduced, along with the new term "mobile home". However, in the 1950s, the homes began to be marketed primarily as an inexpensive form of housing designed to be set up and left in a location for long periods of time or even permanently installed with a masonry foundation. Units were initially marketed primarily to people whose lifestyle required mobility. The original rationale for this type of housing was its mobility. It was derived from the travel trailer (often referred to during the early years as "house trailers" or "trailer coaches"), a small unit with wheels attached permanently, often used for camping or extended travel. In the United States, this form of housing goes back to the early years of cars and motorized highway travel.
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