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Modular and Manufactured Homes
While the terms “modular home” and “manufactured home” refer to two very different things, they are sometimes used interchangeably. Perhaps some of this confusion stems from the fact that modular homes are, in fact, manufactured (“manufactured” might be an unfortunate label.) Also, traditional “site-built” homes are not necessarily better than modular homes, despite the stigma associated with their assembly-line origin. There have been cases where Realtors and builders of manufactured homes have misrepresented manufactured homes as modular homes, and buyers were not informed enough to know the difference. Everyone (especially inspectors, who make their living examining residences) should understand the distinguishing features of these two types of houses.
Modular homes are residences constructed entirely in factories and transported to their sites on flatbed trucks. They are built under controlled conditions, and must meet strict quality-control requirements before they are delivered. They arrive as block segments and are neatly assembled, using cranes, into homes that are almost indistinguishable from comparable ones built on-site. Wind and rain do not cause construction delays or warp building materials. In addition, modular homes:
Must conform to the same local, state and regional building codes as homes built on-site;
are treated the same by banks as homes built on-site. They are easily refinanced, for example;
follow the same market trends as site-built houses;
must be structurally approved by inspectors; can be of any size, although the block sections from which they are assembled are uniformly sized; are often more basic than homes built on-site, but they tend to be sturdier; are highly customizable. Design is usually decided by the buyer before construction has begun; generally take eight to 14 weeks to construct. Differing from a site-built home, the foundation can be dug at the same time that the house is being constructed.
Proponents of modular homes claim that their indoor, environmentally controlled construction affords them greater strength and resilience than homes built on-site. They also tend to be constructed using more precise building techniques and with more building material than comparable site-built residences. One reason for this is that they must be able to withstand the stress of highway transport. A study by FEMA found that modular homes withstood the wind and water from Hurricane Andrew better than most other homes in the area. They take less time to construct than site-built homes, are more energy-efficient, and generally cost less.
The term “manufactured home” is the most recent label for what were once called “mobile homes” or “trailers.” They are relatively inexpensive, small, and are held to less stringent standards than modular and site-built homes. These types of homes are next to impossible to get a loan on or find a mortgage lender or broker that will loan on this type of home.
Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.
Contact Ryan or Cassy at Platinum Mortgage and get fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the contract for your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing they are capable of purchasing the home. Contact Ryan or Cassy at 435-319-0018 directly or give me a call and I will be happy to introduce you to southern Utah’s best lenders.