It all comes down to the chassis. If it has a permanent chassis, it’s a Manufactured home not a Modular. Don’t know exactly what a chassis is? I don’t either, but I do know you need one to put wheels on a house! So basically, a manufactured house is a trailer, otherwise known by the terms “Mobile Home”, “Single-Wide” or “Double-wide”. Since June 15, 1976, manufactured homes have had to meet U.S. Department of Housing and Urban Development (HUD) Code and Manufactured Home Construction and Safety Standards. The HUD Code requires that manufactured homes display a red certification label on the exterior of each transportable section. Like Modular Homes, they may be transported in one or more sections.
Modular homes are built in a controlled environment (such as a warehouse) to the same state and national codes as stick-built or site-built homes. These homes usually arrive at the site partially assembled or as panelized wall systems. Some will argue that a Modular home could be more structurally sound than a stick built home due to the larger floor joists necessary for travel. The wall and floor components are often glued for additional strength. Having a modular home built is usually significantly less expensive than a stick built home. With the assistance of computer aided design and the ability to view dealer models, consumers can select a custom floor plan and design with ease.
When purchasing a manufactured or modular home please be aware that these homes may not be eligible for all loan programs.