Understanding Your Options
What is aManufactured Home?
The modern path to homeownership. Quality construction, attainable pricing, and the same American Dream.
Built in a factory.
Designed for life.
A manufactured home is a complete, factory-built dwelling constructed on a permanent steel chassis. Every home is built to the federal HUD Code—a rigorous national standard that governs design, construction, strength, durability, fire resistance, and energy efficiency.
Unlike site-built homes exposed to weather delays and variable labor, manufactured homes are precision-built in a climate-controlled factory. The result? Consistent quality, faster timelines, and significant cost savings—without compromising on comfort or style.
Once complete, your home is transported to your property and professionally installed on a permanent foundation. From the outside, you'd never know the difference from a traditional home.
HUD
Federal Code Certified
What You Get
More Than You'd Expect
Today's manufactured homes rival—and often exceed—the features of traditional construction.
Open Floor Plans
Spacious living areas designed for modern family life
Gourmet Kitchens
Full-size appliances, islands, and quality cabinetry
Luxury Bathrooms
Spa-like primary baths with premium fixtures
Smart Home Ready
Pre-wired for modern technology and connectivity
Setting the Record Straight
Myths vs. Reality
Click to reveal the truth behind common misconceptions.
"They're just trailers"
Modern manufactured homes are built to strict HUD federal standards on a permanent steel chassis. They're engineered for durability and designed for permanent placement.
"They depreciate like cars"
When placed on owned land with a permanent foundation, manufactured homes appreciate similar to site-built homes. Location and upkeep matter most.
"They're not safe in storms"
HUD Wind Zone requirements ensure homes are engineered for local conditions. Properly installed homes perform comparably to site-built construction.
"You can't get real financing"
Fannie Mae's MH Advantage program offers conventional mortgages for qualifying homes—30-year terms, competitive rates, as low as 3% down.
The Game Changer
Real Property.
Real Financing.
Here's the opportunity most buyers don't know about: when placed on a permanent foundation, manufactured homes can receive the same financing, appraisal, and insurance treatment as traditional site-built homes.
This means conventional mortgages with competitive rates, 30-year terms, and down payments as low as 3% through programs like Fannie Mae's MH Advantage.
Requirements vary among lenders and insurers—let us guide you through the specifics for your situation.
What "Real Property" Means for You
- Conventional mortgage rates instead of higher chattel loan rates
- 30-year fixed terms for lower monthly payments
- Down payments as low as 3% vs. 10-20% for personal property loans
- Home may appreciate in value like traditional real estate
- Standard homeowner's insurance options
- Property tax treatment similar to site-built homes
Ready to Explore Your Options?
Let's discuss how a manufactured home can make your homeownership dreams a reality.