Living in a mobile home is one option when considering your future housing needs. In the past, mobile homes were typically considered starter homes. But today, many people are choosing to make mobile homes their permanent dwelling.
The name “mobile home” was changed to “manufactured home” by the industry in an attempt to change the image of this type of structure. The name “mobile home” is still commonly used.
Since 1976, mobile homes have had to conform to Housing and Urban Development (HUD) standards for strength, energy efficiency, wiring and other utilities and installation. There have been several federal law changes since that time, and many states have adopted laws that are stricter than the federal requirements. The following are the advantages and disadvantages of mobile or manufactured homes relative to traditional houses.
Advantages:
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The initial cost is usually lower than that of conventional homes.
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Mobile homes can be located in mobile home parks which further reduces the first cost by eliminating the requirement to own land and develop the site. Most monthly site rentals are reasonable in cost.
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Mobile homes are sold with appliances and furniture, although many people find the quality of these items to be minimal.
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Mobile homes can be ordered from the manufacture to owners' taste in floor plans, color scheme, etc.
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Mobile homes provide quick housing opportunities.
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Mobile homes can be moved to other locations.
Disadvantages:
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Financing terms for mobile homes are not as favorable as terms for conventional housing.
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Mobile homes depreciate in value.
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Mobile homes are considered less safe in wind storms. Even with the standards required by HUD and states, the very nature of a structure light enough to be transportable is not as structurally strong as conventional housing. Tie downs, even when installed correctly, provide protection only up to 50-60 mph winds.
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Mobile homes are less energy-efficient. Manufacturers do offer energy-efficient packages including more insulation, tighter construction, etc. These upgrades compensate for the fact that a long, narrow structure has more wall area subject to heat gain and loss. Proper orientation is very important with mobile homes. Standard air conditioning and heating equipment is at the low end in quality and efficiency. See link.
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Mobile homes are not allowed by ordinances in some municipalities and geographic areas.
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Quality of materials used in the wiring, plumbing, hardware, doors, windows and siding is not as durable as those used in conventional homes.
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Relatively few mobile home parks offer the services and environment of traditional housing developments.
Regarding warranties for mobile homes, most manufacturers now offer warranties to guarantee the quality, workmanship and major heating and cooling systems of the home for a specified time. These warranties also tell homebuyers what to do if a problem arises. Makers of the appliances provided in the homes also provide either "full" or "limited" warranties. There are major differences among warranties, and these warranties should be provided to you in writing. Warranties are different on mobile homes than on traditional homes. Be sure you are fully informed concerning the details of your warranty. You may want to consult an attorney.