Manufactured Home Ratings Guide

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Manufactured Home Ratings Guide
Over 65 Builders Rated
By Manufactured Home Network
Published and distributed by Manufactured Homes Network
3660 Nicklaus Drive, Clarkston, WA 99403
Phone: (509) 243-5306 Fax: (866) 401-1084
Email: [email protected] Website:
http://www.manufacturedhomesnetwork.com
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Manufactured Homes Network is a consumer based company that offers rating guides for
manufactured homes and manufactured homes in North America. We remain committed to
our readers by offering unbiased information about the factory built housing industry. We
have NO hidden agendas. We receive NO commissions or advertising kickbacks. We have
not accepted any payments to promote one company over another. We can assure you that
all of the information contained in this guide is based on independent research and
countless interviews and is from an objective point of view.
Copyright © 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007 & 2008 & 2009 by
Manufactured Homes Network
All rights reserved. No part of this publication may be reproduced in any form without
written permission from Manufactured Homes Network. Although every precaution has been
taken in the preparation of this book, the publisher and author assume no responsibility for
errors and omissions. The author and publisher disclaim any liability, loss or risk, personal
or otherwise, which is incurred as a consequence, directly or indirectly, of the use and
application of any of the contents of this book.
Cover design: Greg Ryan
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Table of Contents
Chapter 1: The Evolution of Manufactured Homes
Can a manufactured home be placed on a basement?
On-frame & off-frame manufactured homes
Are manufactured homes still affordable today?
Two-story manufactured homes
A troubled past – where do we go from here?
Pros of manufactured home construction
Cons of manufactured home construction
Conclusion
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Chapter 2: Manufactured Home Articles
Company Background
States Located
Principle Target Customer
Comments
Manufacturers listed in Alphabetical Order
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Chapter 3: Rating Parameters
Sample Rating Chart
(R) Ratings
(C) Classification
(P) Premium
(AA) Above Average
(E) Economy
(SC) Strongest Category
Price Range
(RA) Residential Appeal
(C) Construction
(CS) Customer Satisfaction
(RV) Resale Value
Total Points
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Chapter 4: West Region Rating Chart
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Chapter 5: Southwest Region Rating Chart
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Chapter 6: Midwest Rating Charts
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Chapter 7: Southeast Rating Charts
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Chapter 8: Northeast Rating Charts
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Supplemental Housing Offers
How to Spot A Well-Built Manufactured Home
Manufactured Home Loan
How to Negotiate with Your Manufactured Home Dealer
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Chapter 1
The Evolution of Manufactured Homes
The American dream of owning a home still prevails and
the manufactured housing industry is experiencing
growth even during these difficult economic times. More
and more homebuyers are becoming aware of the
advantages of owning a manufactured home. With
modern day technology and assembly line techniques,
the industry is overcoming the misconception that
manufactured homes are poorly built and don’t measure
up to stick-built homes.
The term "Manufactured Homes", describe HUD-code
homes or sometimes referred to as mobile homes. A manufactured home is built entirely in
the factory under a federal building code administered by the Department of Housing and
Urban Development (HUD) and is classified as a "Manufactured Home." These homes are
constructed to meet the Federal Manufactured Home Construction and Safety Standards
Act, which has been in effect since June 15, 1976.
The Federal standards regulate manufactured housing
design, construction, strength, durability, transportability,
fire resistance, energy efficiency and quality. The HUD
Code also sets performance standards for the heating,
plumbing, air-conditioning, thermal and electrical systems.
Construction continues year round and assembly line
workers don’t need to be skilled carpenters and are paid
about half of what on-site contractors are normally paid.
Many of the laborers working in the factory-built housing
industry have steady jobs with benefits and can afford to buy the products they make.
The use of manufactured homes really kicked into high gear after World War II and made a
sizable contribution to reducing the housing shortage at that time. In the 1960s, the mobile
home industry made an evolutionary split. One branch evolved into recreational vehicles
(RVs) to the point where the house now tows the car. The other branch evolved into
manufactured homes, 95 percent of which now become permanent dwellings once they are
transported from the factory to the site.
Manufactured housing is also popular in many countries around the world. Today, even
conventional stick-built homes are using an increasing amount of factory assembled
components. Roof and floor trusses, pre-hung doors and windows, manufactured cabinets
and fiberglass bath and shower units are standard prefab items.
Mobile homes have had a long, reputable history of filling America’s demand for affordable
housing. In the 1920.s, trailer coaches became very popular. They were mass produced and
built for travelers who wanted something better and faster than a tent to sleep in when they
arrived at their favorite vacation destination.
After World War II ended, thousands of war veterans were returning home only to find the
housing market to be expensive and out of reach for most. Affordable housing was
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desperately needed during this time and with a shortage of housing and increased demand,
the trailer coach industry in 1926 seized the opportunity and started building homes large
enough to house a small family. Because these homes were able to be moved from one
location to another, the term "Trailer" began to stick.
In the 1960’s, when demand emerged for more living
space, larger trailers with more amenities made their
appearance. This type of product satisfied a segment of
the market, but of course, they were still mobile, and the
public wanted more. From this demand, the term, Mobile
Home was born. During the 1980’s and 1990’s mobile
homes started looking more and more like regular stickbuilt homes. Three section homes or triple-wides started
appearing on the scene with steeper pitch roofs and other
residential features not normally associated with standard
looking mobile homes. The industry decided to drop the term mobile home because it no
longer accurately described the new styles and sizes of homes being produced. The term,
“Manufactured Home” is now the politically correct term. Terms like; "trailer home," or
"trailer coaches" or just plain "trailer" are no longer used today.
Today’s manufactured homes come with many of the same features typically found in a
stick-built home: living and dining rooms with vaulted ceilings, skylights, fireplaces, modern
kitchens and premium appliances, large bedrooms with walk-in closets, bathrooms with
whirlpool tubs, ceramic tile, hardwood floors and more! The options are almost limitless!
All HUD-code manufactured homes have a steel
undercarriage that supports each section. Once
the section or sections have been transported to
the customer’s site, the wheels and axles are
removed and the steel undercarriage is then
supported by a blocking system.
Manufactured homes generally come in single
units or two-section units. In certain parts of
the country you can also find three and foursection units. A manufactured home can be
placed
on
a
basement.
In
general,
manufactured homes are single-story homes that are placed on a blocking system that
supports the steel I-beams under each section.
Most manufactured homes have low roof pitches, (3/12) due to the need to clear
underpasses during transport. A number of HUD- manufacturers are starting to utilize new
technologies and in some cases just old fashion hard work to add residential appeal to
manufactured and manufactured homes. In recent years hinged roofs have become very
popular, allowing a high pitched roof to fold flat during transport to provide the necessary
clearance, while still achieving some of the savings associated with manufactured homes.
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Can a manufactured home be placed on a basement?
If you’re planning on placing your manufactured home on
a basement you will need to order your manufactured
home “basement-ready” or “foundation-ready”.
Basements can be complicated, talk with the
manufacturer’s engineers and work closely with them. A
general contractor who has had experience installing
basements under manufactured homes is a must. Your
sales center should have names of qualified contractors
in your area. Every basement is different and will usually
require an engineered drawing.
When a manufactured home arrives on site it may be rolled onto the foundation/basement
using special tools or lifted onto the basement using a large crane. The steel undercarriage
of the manufactured home will typically rest on steel I-beams that span the entire width of
the basement. I-beams supporting the steel undercarriage are normally set into the
concrete walls and bolted to ensure no movement. Dealing with an experienced salesperson
and knowledgeable contractor is the best advice I can give you when considering placing a
manufactured home on an engineered basement.
On-frame & off-frame manufactured homes
A number of manufactured home
producers like, Champion, Fleetwood,
Skyline off-frame manufactured home
Palm Harbor and Skyline have begun to
build what they refer to as a
“manufactured home”. Essentially, this is
a home built in a HUD-factory, on the
same permanent metal chassis used in
the manufacturing of a HUD-code home.
However, instead of designing and
building the home to HUD-codes and
regulations these HUD-factories follow local and state building codes.
Some states and counties require a manufactured home to be built to normal building codes
in order for the building department to issue a building permit. To deal with this growing
problem certain factories are allowing the customer to up-grade from a standard HUD-code
home to the residential code home. The manufactured home basically looks the same but
the floor system, plumbing and roof trusses have been upgraded to meet the standard
building code for that state or county. The cost of this option varies depending on what
changes are made, on average the up-grade is $7,500 to $15,000.
Many states require the HUD-Factory to design the home so the steel-frame can be
removed before the home is placed on a permanent concrete foundation. Other states don’t
require you to remove the steel-frame in order to comply with state and local building code
requirements.
Some are referring to these homes as modular homes. If the steel frame is removed I like
to refer to these types of homes as entry-level modular homes. Because these homes are
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still built in a HUD-factory they have many design limitations. The manufactured housing
industry is different from the modular housing industry. They are two separate products and
a TRUE MODULAR HOME does not have the same constraints as a manufactured home,
on-frame or off-frame. A true modular home has no limitations when it comes to design,
style or options. Most true modular homes are custom built and resemble a custom stickbuilt home. If you’re considering a true modular home we have a number of publications
about the industry. To learn more please visit: www.manufacturedhomesnetwork.com.
Are manufactured homes still affordable today?
On average manufactured homes cost $35.00 to $65.00 per sq. ft. (not including property).
The national average completely set-up including cost of home, homebuyer’s property and
site improvements is around $65.00 to $90.00 per sq. ft. The average size manufactured
home sold in the U.S. is around 1,500 sq. ft. Total cost of home on private property using
$85.00 per sq. ft. comes to around $127,500.00. According to the, National Association of
Realtors, the average price tag for a stick-built home - as of April, 2009 was $215,000. This
is an $88,000 difference, making manufactured homes the most affordable housing option
today.
Now, I know some of you living in an RV fulltime may disagree but regarding a permanent
dwelling a manufactured home is the least expensive option today. Many first time
homebuyers are drawn to the industry because of low down payment requirements and low
monthly payments. Did you know that many retirees are also considering a manufactured
home? It is estimated that 1,500 baby boomers are retiring every day. Many have large
homes with high property taxes and are looking to downsize and move into rural areas.
Two-story manufactured homes
While it’s rare to see two-story manufactured homes
stacked on top of each other, it can be done. The
steel chassis of a HUD-code home cannot be
removed, by doing so you commit serious violations.
This law has discouraged two-story manufactured
home designs. HUD does allow the removal of the
hitch and wheel assembly, which allows stacking
solutions similar to two-story manufactured homes.
Two-story manufactured homes are built as single- or
double-width, or single-width over double-width.
Essentially there are two approaches to realizing two-story manufactured homes. Both
require a crane onsite. One approach, as practiced by Schult Homes and New Era Homes, is
to manufacture and deliver single-story boxes and stack the second-story unit on the firststory unit on site, not unlike manufactured housing. Traditional manufactured home chassis
are made of heavy, longitudinal, steel I-beams supporting the floor system from below.
Schult Homes, located in Plainville, Kansas decided to change its normal way of doing things
and created a series of transverse, steel chassis beams. This reduced the floor’s overall
thickness making each unit lighter and reducing the overall shipping height. Schult supplied
two-story manufactured homes for the New Colony Village project located in Jessup
Maryland.
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A troubled past – where do we go from here?
The manufactured housing industry has seen home sales plummet in the last ten years. At
its peak in 1998 the industry sold 372,000 homes but since then the number has declined
significantly. As a whole, the industry has seen the amount of homes sold in the U.S. cut by
two-thirds in 10 years. You have heard of the saying, “A few bad apples spoil the whole
batch”. Today the industry is seeing some of the effects of scam artists, improper lending
techniques and weak building codes.
In 2008 the industry reported sales to be around 115,000. Early estimates for 2009 are
trending lower and may be below the 100,000 mark for the first time. The slowing economy
is taking its toll on the industry. Many are predicting the industry will recover sometime in
2010. It is estimated the housing industry as a whole will start to recover from this
economic melt-down by spring of 2010. The good news is that things are starting to
improve. Manufactured home builders that thought poorly constructed homes were the
wave of the future have seen their sales decrease dramatically. Many dealers that
manipulated down payments to get loans approved are out of business. The industry still
has some loose cannons out there but things are improving and I believe the industry will
come back with an emphasis on quality and residential appeal.
Pros of manufactured home construction
Palm Harbor Manufactured Home
•
•
•
•
•
•
•
•
•
As discussed, manufactured homes have come a long
way regarding quality of construction and residential
appeal. Today, manufactured homes are appealing to a
broader segment of homebuyers, from first time
homebuyers to retirees looking to downsize. Hopefully
home sales will increase as the industry looks for ways to
increase its market share. Benefits to utilizing
manufactured home construction are:
Affordability - being the least expensive in the industry per sq. ft.
Better construction methods with improved building materials
Multiple floor plans from singlewides to four-sectioned home
More residential features like; covered porches and steeper roof pitches
Quicker build times compared to traditional building methods
Lower down payment requirements in certain states
Can be placed on a basement
Can be stacked making a two-story home, not available in most states
Buyers have the option to upgrade from HUD-building codes to standard building
codes
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Cons of manufactured home construction
Manufactured homes have a bad reputation for a variety of reasons. It has taken decades
for the industry to improve its image and still struggles to convince homebuyers it’s a good
investment. A quality built manufactured home placed on a concrete foundation with an
attached or detached garage and adequate landscaping can be a good investment. The
problem is many first time home buyers don’t take the necessary steps to accomplish this.
Often a manufactured home will be placed on a temporary foundation with no adequate
landscaping with average to poor residential appeal. In this case a manufactured home will
not appreciate in value and the home owners will not enjoy long term benefits that normally
accompany a standard stick-built home or a quality built manufactured home.
Some disadvantages to utilizing manufactured home construction are:
•
•
•
•
•
•
•
•
Poor construction methods - resulting in high maintenance
Some models still look like a mobile home
Poorly constructed foundations that produce sagging over time
Placed in low income parks or communities, no appreciation value
Higher interest rates associated with manufactured homes
Difficult to repair or replace items that break because not residential size
Higher insurance premiums depending on where home is placed in the U.S.
Difficult to ad-on to existing structure because of local and state laws
Conclusion
Manufactured home can appreciate in value overtime and bring years of enjoyment. If one
researches their options and selects a well-built manufactured home and places it in a
quality neighborhood or community with some residential appeal, a manufactured home can
be a good investment. If one takes a shortcut and does not incorporate some of these tips
or suggestions than in my opinion a manufactured home is a poor investment and will not
bring you the desired outcome you desire. I am being up-front an honest about this issue. I
don’t believe a manufactured home is for everybody. But, in certain circumstances it can be
an excellent choice. It really depends on your needs and wants and what you hope to gain
from this type of product. By following my tips and suggestions in this resource you’ll make
wise and informed decisions that will have a lasting impact on your housing situation.
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Manufactured Home Articles
Chapter 2
My research team and I have compiled what we believe to be fair, balanced reviews and
ratings of the manufactured housing industry. We trust you will find the following
information both informative and invaluable in your quest for your dream home.
Overall the industry has been open to speaking with my research team and me. As
expected, a few companies declined to speak with us but most welcomed the chance to get
their information out. Each review or article provides important information that is easy to
understand with helpful facts and insight into each manufacturer.
Our goal here is to simply share with you the knowledge that we have gained over the
years. Each review is broken down into four separate parts:
•
•
•
•
Company background and history
States manufacturer distributes or sells homes
Principle target customer
Authors comments
Company Background and History: Our goal is to give you a brief description or, “Snap
Shot” of each manufacturer based on interviews and information from each company’s
website. This is in no way intended to be an in-depth analysis but simply to put forth some
basic facts about each manufacturer. This gives you some insight into how the manufacturer
got its start and the main focus or direction the company is heading.
State(s) Manufacturer Distributes or Sells Homes: Within each review we list each
state the manufacturer being featured sells or distributes homes, either through a network
of builders or through company owned retail centers.
Principle Target Customer: This is an important piece of information. Whether you’re an
upper-end, mid-range or an entry-level buyer, this report will help you focus on
manufacturers that meet your expectations and comfort level. Listing the types of
customers each manufacturer markets to will help you be able to concentrate on products
that are within your budget.
Comments: While researching the industry our research team has learned a few things
about each manufacturer featured in this report. Sometimes, we will say what we like and
don’t like about a particular factory. Our comments are based on opinions and only serve to
add additional insight.
The following pages of this chapter feature manufactured home companies. Each company
is listed in Alphabetical Order. Please remember that we have tried to include all
manufacturers but if we missed a particular company we apologize. If you know of a
company not featured in this guide, please email us the company information at:
[email protected].
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Adrian Homes
P.O. Box 266
Adrian, GA 31002
Phone: 478-668-3232
www.adrianhomesmfg.com
States Sold In: GA, FL, NC, SC
Company Background: Established in 1962 in the town of Adrian, Georgia, Adrian Homes
began to construct manufactured homes. Since its beginning, Adrian Homes has built
schools, apartment buildings, daycare centers, office buildings, and residential homes. In
1999, Adrian began offering premium HUD code homes. Over the last 30+ years, Adrian
Homes has established a reputation as a community oriented company, providing a good
work environment and being active in community enriching activities.
Comments: Adrian Homes is going after the manufactured market with 70% of their
business being manufactured and only 30% HUD-code manufactured homes. This is a wise
decision in my opinion. Homebuyers can qualify for conventional financing with
manufactured homes and resale value is typically better. It’s important to note that Adrian
does produce (off-frame) manufactured homes which is an advantage compared to (on
frame) as discussed in chapter 1. The company is small and may be easier to deal with
regarding customer service and warranty issues compared to a large builder. I like the fact
they are going after school projects and other commercial opportunities using manufactured
construction.
BonnaVilla Homes (Chief Industries)
P.O. Box 127
111 Grant Street
Aurora, NE 68818
Phone: 402-694-5250
www.bonnavilla.chiefind.com
States Sold In: ND, SD, NE, KS, IA, MO, MN, WI, IL, IN, KY
Company Background: BonnaVilla® Homes is a division of Chief Industries, Inc. They
strive to offer a wide range of high quality products with a large selection of options
available within those products. This is possible by having qualified people, a strong and
diverse parent company, and striving for continuous improvement. All of these things
encompass being "Value and Customer Driven”.
Founded in 1954 as a small construction firm, the company soon became a dealer for farm
buildings and grain bins. The following decade saw growth primarily in the manufacture of
grain bins and steel buildings. BonnaVilla started building manufactured homes in a single
factory in 1970. In 1976 BonnaVilla added manufactured homes to their line-up. The
company prides itself on customizations and employs a full line drafting and design
department. Since then, a number of other companies have been added to the Chief
ranks—ranging from factory-built homes to ethanol fuels—all under the guiding
commitments to Customer Service, Manufacturing Excellence and Financial Strength &
Stability.
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The company has long been recognized as a "luxury home builder” in the manufactured and
manufactured home industry. The BonnaVilla is available in Single Section and Double
Section, built to HUD and IRC Codes.
Comments: As a partner with Chief Industries they are committed to strength, stability and
the customer experience. I like the fact that BonnaVilla removes the frame when placing a
manufactured home on the foundation. I believe off-frame manufactured homes or entrylevel manufactured homes are a better investment with a higher rate of appreciation
compared to on-frame manufactured homes. The company advertises a home for almost
every budget. They have standard features that may be considered upgrades with other
builders yet they offer a variety of additional options.
Some important things to point out when it comes to this builder, is their philosophy as it
relates to quality control. They state on their website, “While all builders must build to the
applicable code to follow the letter of the law, going beyond that to give the home owner a
home that has been audited before delivery is a very important function. Low tolerances
and high standards are used to make sure our home has minimum defects.”
I have talked with a number of customers who have purchased a BonnaVilla home and they
are pleased with the overall construction and durability of the homes. BonnaVilla is a
smaller company that seems to have a handle on quality control issues. Like Burlington
Homes of Maine both companies have a low service cost. This means customers don’t
experience a lot of service issues because their homes are not rushed through the plant.
Smaller companies as I’ve mentioned before seem to offer higher end products with fewer
service issues. The company’s reputation in the industry is very good.
Burlington Homes of Maine (Out of Business)
620 Maine Street,
Oxford, ME 04270
Phone: 800-675-4406
www.burlingtonhomes.com/
States Sold In: ME, MA, NH, RI, NY, CT
Cappaert Homes
P.O Box 620567
Vicksburg, MS 39182
Phone: 601-636-5401
www.cappaerthousing.com/
States Sold In: FL, MS, LA, KY, OK, TX, AR, MO
Company Background: Founded in 1987 by Mike Cappaert and a small team of employees
that believed they could build affordable homes that were desperately needed for their
markets. Now, 150 employees later they are still producing a low-cost HUD-code home.
These homes are basic in design and the company does not allow much in the way of
customization.
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Comments: Basically a low-end, single and entry level double-wide manufactured homes.
Their focus is building affordable homes and if you’re an entry-level buyer with limited
financing or down payment, Cappaert Homes may be just what you’re looking for.
Cavalier Homes Builders LLC
P.O. Box 540
Addison, AL 35540
Phone: 256-747-9800
www.cavhomesinc.com/
Sister Companies: Astro Homes, Bellcrest Homes, Brigadier Homes, Buccaneer Homes,
Homestead Homes, Spirit Homes Riverchase Homes Mansion Homes and Town & Country
Homes
Company Background: Text taken from company’s website, “Cavalier Homes was founded
in 1984 by Jerry F. Wilson with a single manufacturing facility in Addison, Alabama. The
company was publicly traded first in 1986 on the American Stock Exchange under the
symbol "CXV". In 1987, Cavalier acquired operating plants in the Carolinas and Georgia,
owned by Brigadier Homes, Inc. A few years later, it expanded a production facility in
Hamilton, Alabama. An additional facility was built in Addison. 1994 saw expansion into Fort
Worth, Texas, and on December 4 of the same year, the Company began trading on the
New York Stock Exchange under the symbol "CAV". In 1997, the company acquired Belmont
Homes, Inc and its subsidiaries in MS, AR, and GA. In 2002, the company consolidated its
manufacturing operations by creating Cavalier Home Builders, LLC. In March 2004, the
company moved its common stock listings to the American Stock Exchange.”
Comments: The Company manufactures a wide range of HUD-code manufactured homes
throughout the southern United States, with a focus on serving the low to medium priced
housing market. In 1991, the Company formed Cavalier Acceptance Corporation to offer
retail installment sale financing for manufactured homes sold through the Company's
exclusive dealer network. In December of 1997, Cavalier acquired all of the assets of
Belmont Homes, Inc., which now operates as a wholly owned subsidiary of Cavalier. It’s
difficult to rate Cavalier because they own so many different companies as mentioned
above. For the most part Cavalier and its subsidiary companies fall into the, “Entry-Level
Category.” I find their homes to be basic when it comes to construction methods. Cavalier
offers many different models and styles to choose from with various levels of quality.
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Cavco
1001 N. Central Ave, Suite 800
Phoenix, AZ 85004
Phone: 602-356-6263
www.cavco.com
States Sold In: AZ, NM, CA, NV, UT, CO
Company Background: Cavco was established in 1995 in Phoenix Arizona. The company is
one of the largest manufactured home builders in the Southwest with five manufacturing
facilities located in Arizona, New Mexico and Texas. The company also builds vacation type
park model homes. Cavco Industries, is a subsidiary of Dallas, Texas-based Centex
Corporation (NYSE: "CTX"), one of the nation's largest home builders and mortgage
originators. They pride themselves on being one of the largest producers of Manufactured
Housing in the U.S. markets.
Comments: Cavco’s homes cost around $30.00 to $45.00 per sq. ft. on average. I found
their closest competitors to be Palm Harbor, Schult, and Fleetwood. The Durango plant
produces a quality home and I like some of their interior and exterior designs. I do like their
developer series, which are manufactured homes, (on-frame or off-frame) and feel this
would be a good choice if you were considering a residential looking home. Cavco is a midsize company, which is to their advantage in my opinion. Small to mid-size companies seem
to do a better job in customer service from my experience. Cavco’s website does provide
some information and they offer a basic tour on their website. I like the fact that you can
customize your Cavco home to meet your needs with hundreds of options.
Champion Enterprises Inc.
2701 Cambridge Ct. #300
Auburn Hills, MI 48236
Phone: 248-340-9090
www.championhomes.net
States Sold In: Most U.S. states
Company Background: Champion Enterprises was
established in 1953 and today is headed by William C.
Griffiths, President and Chief Executive Officer.
Champion Enterprises is the parent company of a
number of homebuilders. Its subsidiaries include:
Advantage Homes, Gateway Homes, Castle Homes of
Pennsylvania, Champion Homes (pictured), Champion
Home Builders, Dutch Housing, Homes of Merit,
Redman Homes, Moduline International, Inc., Genesis
Homes,
Fortune
Homes,
Commander
Housing,
Silvercrest Homes, Titan homes, New Era, and Summit
Crest Homes.
They are a stable company that has sold over 1.6 million homes since their inception. This
speaks for the quality of homes and the satisfaction for customers. Collectively their family
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of homebuilders has the experience and financial strength to provide potential homebuyers
with an exceptional home building/ buying experience.
Comments: It’s hard to rate a company as large as Champion because they are so diverse.
On average I would have to place them in the, “Above-Average Category”. The company
is appealing to entry-level and mid-range buyers with innovative designs and options not
normally associated with HUD-code manufactured homes. The company is also going after
the manufactured market with over 20% of production being manufactured. Champion has
a good reputation in the industry and offers a wide variety of floor plans to choose from.
Don’t miss champion’s most recent kitchen and bathroom upgrades! The company’s website
is consumer friendly but lacks specific information like standard specifications and
construction information.
Chariot Eagle West
AZ location:
8100 Buckeye Rd
Phoenix, AZ 80543
Phone: 623-936-7545
www.charioteaglewest.com
States Sold In: FL, AZ, CO, OR, CA
Company Background: Chariot started in 1984 with just five employees in a leased,
10,000 square foot facility. The company has expanded on four different occasions. Voted in
1989 and 1990 as one of the USA's fastest growing companies, it has achieved national
recognition against much larger companies. Even though the company is less than 30 years
old, it has established a reputation for producing innovative, beautiful, well built RV park
models, cabins, and manufactured and export homes.
The company's success comes primarily from its ability to adjust to different demands, such
as multi-code differences among the various states and countries and design adaptations.
This applies to not only the holiday park homes but also manufactured homes, cedar log
cabins, manufactured homes, disaster units and export housing. Plant locations in Florida
and Arizona enable Chariot Eagle to build its products in two of the lowest cost regions in
the USA. These savings allow shipment of park homes throughout North America as well as
worldwide.
Comments: Chariot Eagle’s market is park models and vacation homes. Their full size HUDcode manufactured homes have less curb appeal than competitors such as Cavco and
Silvercrest. In summary, Chariot Eagle is a small, growing company that is expanding its
business through hard work and long term relationships with its suppliers and customers
throughout the NW. We found their closest competitors to be Cavco, Silvercrest, Hallmark
SW, and Schult and stick-built vacation homes. They enjoy a great reputation and are worth
taking a look at.
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Clayton Homes
P.O Box 9780 5000 Clayton Rd.
Maryville, TN 37804
Phone: 865-380-3000
www.clayton.net
States Sold In: All states except HI,
Company Background: Clayton has been building homes since 1934. Distributing in 49
states, Clayton Homes is committed to “building the best value for our customer.” Clayton
Homes was acquired by Berkshire Hathaway, Inc in 2003. It is a vertically integrated
manufactured housing company. They are only a domestic manufacturer offering both
Manufactured and Manufactured housing. Clayton Homes presents itself to the public as
having a strong advantage because they are able to build, sell and finance their homes and
commercial buildings.
Comments: Clayton has a large network of builders and dealers throughout the United
States. Clayton has really focused on building quality communities, which has been a big
success for them. I have always said if you want to be successful in the manufactured
housing industry, provide quality communities where people can settle down. With property
becoming more difficult to find, many are turning to communities for the answer. Clayton
does provide in-house financing to homebuyers. Clayton is a large company with a good
reputation in the industry. Most of Clayton’s homes fall into the, “Entry-Level Category.”
Like most large companies Clayton is appealing to the masses and builds a home to meet
this demand. Clayton does offer some very nice upper-lines that have residential features;
these lines would fall into the above-average category. Clayton provides a factory tour on
their website, which is worth watching. This is a basic tour but does show various stages of
the building process. I like Clayton’s website and they do a good job overall getting the
information out. Clayton is going after entry-level to mid-range buyers with quality and
affordability being their main focus.
Commander Homes
(A subsidiary of Champion Enterprises)
1100 W. Lake St. PO Box 95
Topeka, IN 4651
Phone: 260-593-2970
www.commanderhousing.com
States Sold In: AZ, CO, IL, IN, IA, KS, KY, MN, MI, MO, NE, OH, OK, SC, WV, WI, WY
Company Background: Nearly identical to its sister
brand, Redman, Champion launched Commander
Homes in 1997 with a different look but comparable
price-range. From their website: “Commander Housing
is located in Topeka, Indiana. This Amish community is
home to some of the finest craftsmen in the world.
Their dedication and work ethic helps to provide a solid
foundation for factory built homes. The first homes
were built in 1965, allowing this complex to grow with
the market demands. We now have four manufacturing
16
facilities with over 400,000 square feet of climate controlled construction space. We employ
over 400 workers building HUD and Manufactured Homes.”
Comments: Commander Homes are well-built, HUD-code manufactured homes at
affordable prices. They are a sort of “knock-off” of Redman Homes; built to penetrate the
same market with a different look & name. Their website shows some very detailed pictures
of the entire construction process. (For more information please see Redman Homes,
article).
Commodore Homes
1902 Century Drive
Goshen, Indiana 46527
Phone: 219-534-3067
www.commodorehomes.com
States Sold In: CT, DE, GA, IL, IN, IA, KS, KY, ME, MI, MD, MA, MO, NE, NH, NJ, NY, NC,
OH, PA, RI, SC, TN, VT, VA, WV, WI
Company Background: Commodore Homes of Indiana has been in business since 1952
and is a privately owned business. Commodore has become well known for innovative
designs, superior construction, and outstanding service and support. Commodore Homes of
Indiana also specializes in custom floor plans. Both state-code compliant (Manufactured)
homes and federal-code compliant (HUD) homes are built at Commodore Homes of Indiana.
Homes are carefully built to exacting standards throughout each phase of construction. A
quality control team and independent inspectors assure each home is built in compliance
with all applicable local, state, and federal codes and are backed with an industry-leading
warranty.
Comments: The Company does offer some attractive floor plans and I like the residential
appeal of their homes. The company builds both HUD-code manufactured and manufactured
homes. Their manufactured home division offers many floor plans and styles to choose
from. The company does promote their manufactured home division very well and for an
extra $12,000 or so, you could purchase a manufactured home compared to a HUD—code
manufactured home. Suggestion: If you’re looking at different manufacturer’s websites
and there is no information on how they are built, chances are they don’t have much to talk
about in this area. Company’s that build quality homes will usually have a page dedicated to
construction features found on their website. Commodore’s website has a lot of information
about their homes.
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Deer Valley Homebuilders Inc.
P. O. Box 310
Guin, Alabama, 35563
Phone: 205-468-8400
www.deervalleycorp.com/
States Sold In: AL, AR, FL, GA, IL, IN, KY, LA, MS, MO, NC, OK, SC, TN, TX, WV
Company Background: Deer Valley was founded in 2004. They operate with a “family”
approach. They pride themselves in offering a home with the best quality and durability.
Deer Valley Homebuilders takes great pride in building custom designed manufactured
homes and manufactured homes. The management of Deer Valley Homebuilders claims that
they “operate to the highest standard of business and moral ethics and approach business
with an open mind, through communication, positive attitude, and teamwork.” They have
worked to surround themselves with the highest quality workforce and distribution network
to propel the company forward into one of the most trusted and respected companies in the
factory-built housing industry.
Comments: Deer Valley Homebuilders Inc. has an extensive background within the
industry. They seem committed to providing an upper-end home for homebuyers
considering a HUD-code manufactured home. After reviewing Deer Valley standard features,
I would have to place them in the, “Above-Average Category”. I like the fact that Deer
Valley is a smaller company this gives them the ability to focus on the little things during
the construction phase of each home. A quality company with high construction standards, I
would definitely take a look at this company if you live in their markets. Their on-frame
manufactured homes should attract some attention as well. I have found their closest
competitors to be Cavalier, Southern Energy, Liberty, Franklin, and Fleetwood.
Destiny Industries
250 R W Bryant Road
P.O. Box 2947
Moultrie, GA 31788
Phone: 1-866-782-6600
www.destinyhomebuilders.com/
States Sold In: AL, GA, FL, LA, MS, NC, SC
Company Background: Moultrie became
the home to brothers Bill and Donnie
Edwards in the early 70's where they and
two friends started "Destiny" in 1978. By
1995 it had become the largest employer
in Moultrie, and in that same year the
company was sold to a New York Stock
Exchange Fortune 1000 company. Despite
high productivity the Moultrie facilities
were closed in 2002 as part of a
restructuring of that national corporation.
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Moultrie has old-fashioned hometown pride in its industrial base and the workforce that
supports it. Destiny was one of the homegrown industries that the town didn't want to see
die, so they rallied around the rebirth of Destiny Industries, and in May of 2003 Bill and
Donnie Edwards, along with several long term business associates purchased the remaining
properties that had comprised of Destiny as well as the new "state of the art" 200,000
square foot, climate controlled facility that had been built in 1997. In June of 2003, as the
management team began to build the foundation, seventy-five men and women, each of
whom were skilled artisans and craftspeople in their elected fields, began their "Destiny" by
waking up a plant that had been closed for nearly a year.
The first home came off-line in July of 2004.
Comments: Destiny builds very nice, basic homes ready for individual customization in the
entry level to mid-range markets. As I have said before, when small companies with great
passion for the industry build a home, you can usually feel pretty good about its quality and
Destiny seems to be no exception to that rule!
Dutch Housing Inc.
1500 N Detroit Street
PO Box 258
LaGrange, IN 46761
Phone: 219-463-3199
www.dutch-housing.com
States Sold In: AR, CO, DE, IA, IL, IN, KS, KY, ME, MI, MN, MO, MT, NC, ND, NE, NY, OH,
OK, PA, SC, SD, TN, UT, VA, VT, WI, WV, WY
Company Background: Dutch housing was launched in 1991 by a group from Redman.
The purpose was to introduce a home package with no options or upgrades offering a midrange home at an entry-level price point. They were successful at this and became part of
the Champion family in 1994. During the industry crash at the turn of the century, they
began offering more customization and were able to survive though on a much smaller
scale.
Comments: Based on my research the company is producing an entry-level product. I have
spoken to people who have purchased a Dutch home and for the most part the company
seems to be taking care of their customers. They do offer a 30lb roof load, 2”x6” exterior
walls and 2”x6” or 2”x8” floor joists. I have found the exteriors to be somewhat plain
looking. I do like the 32-foot wide section homes they offer. The company’s website is basic
but you can take a tour and look at floor plans and they do offer a list of standard features.
19
Fairmont Homes
502 S. Oakland
Nappanee, IN 46550
Phone: 574-773-7941
www.fairmonthomes.com
States Sold In: IN, KS, NE, SD, ND, MN, WI, MO, IL, IA, KY, WV, OH, PA, NY
Company background: James F. Shea, Sr. started Fairmont Homes in 1971. He had been
working as a successful attorney in Detroit, Michigan but was intrigued with the possibilities
of manufactured housing. He set up a manufacturing plant in an old sauerkraut factory in
Nappanee Indiana. Fairmont has since experienced tremendous success, becoming one of
the largest single location facilities in the housing industry. They have evolved into a family
of companies that produce valuable and diverse housing. In the past 35+ years, Fairmont
Homes has built thousands of family homes with the comfort, security and general well
being that only a quality-built home can offer. The son of the founder, James Foster Shea,
currently serves as Chief Executive Officer and Chairman of the Board.
Comments: Fairmont Homes has been exceeding the expectations of homeowners for
nearly 30 years. Fairmont’s main selling point is called their, Cradle of Strength
Construction, which is featured on their website. Fairmont Homes are very attractive
compared to other manufacturers in my opinion and I find their website to be very
informative with photos showing the interior and exterior of their homes. They offer a
variety of floor plans with many residential features as the picture above shows. They offer
a home with log type siding for that cabin look along with added features like attached
garages; steeper roof pitch options and lap siding. Looking through the pictures of
Fairmont’s homes give you a good idea of what a little extra design can do for the aesthetics
of a home inside and out.
Fairmont Homes is also going after the manufactured home market by producing quality
homes built to state and local building codes. The cost to upgrade from a HUD-code home
to a manufactured product is in the neighborhood of $10,000 and in my opinion is definitely
worth the extra money, especially if you consider the appreciation values in the long run.
Here again this is a smaller company that is able to keep track of quality control issues and
service their customers at the same time. I would recommend visiting their website to learn
more about this amazing company.
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Fleetwood Homes
3125 Myers St., P.O. Box 7638
Riverside, CA 92513-7638 USA
Phone: 909-351-3500
www.fleetwood.com
States Sold In: All but AK & HI
Company background: Since 1950 Fleetwood has made a name for themselves, having
originally started in the RV industry, they have been a leading producer for many years.
Fleetwood offers the possibility of home ownership to almost anyone and backs their homes
with outstanding service and warranty protection. Fleetwood is the second largest
manufacturer in the United States. Fleetwood homes come in many shapes and sizes with
hundreds of models to choose from. We found their closest competitors to be Clayton,
Southern Energy, Giles, Liberty, General Manufactured Housing, Titan, Advantage, Gateway,
Hart Housing, and Cappaert.
Comments: There are a lot of standard features in a Fleetwood home that may be
considered upgrades with other builders. Fleetwood in general falls into the, “Entry-Level
Category”, with affordability being their strongest selling point. Most Fleetwood dealers are
willing to negotiate with homebuyers and I believe they offer in-house financing. Fleetwood
does manufacture some nice upper-lines, and they have a good reputation in the industry
for service. In the Northwest for example they build nice three and four-section homes with
covered porches and 6/12 roof pitches. For the most part Fleetwood is appealing to the
entry-level and mid-range buyers. Fleetwood’s primary focus is HUD-code manufactured
homes but I expect them to move towards manufactured homes in the near future.
Fortune Homes
(A subsidiary of Champion)
305 W. Dutch Dr, PO Box 40
La grange, IN 46761
Phone: 260-499-3355
States Sold In: MI, OH, IN, IL, PA, IA, MO, WI
Company Background: Fortune Homes and Dutch Housing, both subsidiaries of
Champion, are basically identical. Dutch was started in 1991 and Fortune just a few years
later. One of the distinguishing characteristics of these companies is that the same floor
plans are available in every price point. Taken from their website, “Fortune Homes is
unique. We give our customers the ability to make their own choices on their own home.
This will make Fortune Homes the choice of more home-buyers! We start with a basic floor
plan and build from there. All homes are standard with 2x6 exterior walls... R-19 Wall
Insulation... R-33 Minimum Roof Insulation... Basically all the components needed for a
move-in ready home.”
Comments: The Midwest is a market nearly flooded with affordable housing companies like
Fortune. Many of them are Champion Enterprises also (like Fortune’s “twin” Dutch). What
seems to keep them afloat is their quality. They offer a well-built product at an in-demand
price point.
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Four Seasons Housing Inc. (Out of Business)
PO Box 630
Middlebury, IN 46540
Phone: 800-547-5011
www.fourseasonshousing.com
Franklin Homes Inc.
10655 Highway 43
Russellville, AL 35653
Phone: 800-332-4511
www.franklinhomesusa.com
States Sold In: AL, AR, FL, GA, IL, IN, KS, KY, LA, MO, NC, OH, OK, SC, TN, TX
Company Background: Franklin Homes has been under
the same management since producing their first home in
May of 1969. It is a full service manufacturing company.
That means they design, assemble, deliver, and offer factory
service to home buyers through service technicians that are
sent from the factory. Franklin Homes does not sell direct to
the public but through licensed and authorized dealers. They
began production in a small building covering 40,000 square
feet. They expanded the size of the plant until 1985. During the winter of 1985, a freak ice
storm collapsed the main plant building. Then Franklin moved down the road to Phil
Campbell, AL, where production continued until the plant was built back on the original
property. Their current plant has the best and most modern equipment available according
to a company spokesperson.
Comments: Franklin Homes declined to speak with me or my research team. I find their
homes to be basic looking with very little residential appeal in my opinion. Their homes
come standard with 2”x6” floor joists, 2”x4” exterior walls with vinyl rapped sheet rock. The
roof loads are only 20 pounds with a 20-year shingle and particleboard cabinets. I like some
of their floor plans and styles but for the most part the company is appealing to the entrylevel buyer. The company’s website has a tour page showing some pictures of their factory.
They do list standard construction features on their website.
22
Fuqua Homes of Missouri
P O Box 394
Boonville, Missouri 65233
Phone: 660-882-3411
www.fuquahomes-mo.com
States Sold In: WY, CO, OK, KS, NE, SD, MN, IA, MO, AR, IL, IN
Company Background: Fuqua Homes has set a standard for high quality construction in
the industry. Fuqua, for the most part, compares closely to a site-built home. Fuqua's
construction is far superior to less durable manufactured homes. They pay attention to the
quality of their materials and workmanship. From their website: “We believe that when you
see the facts and see the difference you'll choose Fuqua over manufactured, manufactured,
or site built homes of lesser quality.” If I were standing in one of these homes, I would find
it hard to believe it was a HUD home. The exteriors are lovely and the quality that they
pride themselves on is evident. Don’t miss this company!
Comments: A Fuqua homes costs a little more compared to other HUD-code manufacturers
but they are a well built with lots of residential appeal. The company goes beyond the norm
when it comes to residential appeal and home construction. I really like the looks of Fuqua
homes and feel they are probably one of the best looking manufactured homes on the
market today. Based on my research the company falls into the, “Premium Category.”
One nice construction feature I have noticed with Fuqua homes is they screw and glue their
sub-floors down, instead of just nailing the floor down. Another feature that impresses me
about Fuqua is their garage-friendly floor plans. You can attach a garage to the home
once it has been set up. In the past you always had to build the garage separate from the
home, which takes away from the residential appeal. This is an important feature and
should be considered if your budget allows. While their HUD-code homes do very well the
company’s manufactured home division is the shinning star in my opinion. Their
manufactured homes are beautiful and affordable. For only $10,000 more you can upgrade
from a HUD-code home to a manufactured home. If you’re a mid-range to upper-end buyer
Fuqua is a good choice with affordable pricing that will fit any budget. The company’s
website is choked full of information including pictures and constructions specifications.
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Fuqua Homes of Bend Oregon
20495 Murray Rd.97701
Toll: 800.336.0874
Phone: 541.382.4252
www.fuquahomes.com/
States Sold In: WA, OR, ID, CA, UT, NV, MT
Company Background: Fuqua builds the most flexible
and custom HUD-code manufactured homes today.
Fuqua Homes has set a standard for high quality
construction in the industry and for the most part they
compare to stick-built homes. Fuqua's construction is far
superior to less durable manufactured homes. They pay
attention to the quality of their materials and
workmanship. From their website: “We believe that
when you see the facts and see the difference you'll
choose Fuqua over manufactured, manufactured, or site
built homes of lesser quality.”
Comments: If you’re after a residential look in a HUD-code manufactured home than Fuqua
may be the right choice. Fuqua homes costs a bit more compared to other manufacturers
but like I have been saying all along if you want quality you’re going to have to pay for it.
On average Fuqua homes cost about $45 to $70 a square foot. Fuqua goes beyond the
norm when it comes to residential appeal and home construction. Fuqua homes fall into the,
“Premium Category.” Fuqua uses 2" x 6" studs for their exterior walls, which contains
35% more lumber than conventional 2"x4" walls. Fuqua also screws the sub-floors down in
all wet areas like, kitchens and bathrooms. Fuqua's walls are nailed, glued and strapped for
maximum strength and durability. Fuqua also installs energy-efficient gaskets around all
exterior wall receptacles and switches for further energy savings. I like their website and
feel they do a great job in getting the information out on how their homes are constructed.
There are rumors floating around that Fuqua will soon be offering on-frame and off-frame
manufactured homes. This would be a step in the right direction in my opinion. Their HUDcode homes are beautiful and I can only imagine how nice a manufactured home built by
Fuqua would be.
Giles Industries
405 South Broad Street
New Tazewell, TN 37825
Phone: 800-844-4537
www.gilesindustries.com
States Sold In: AL, DE, GA, IN, KY, NY, NC, OH, SC, TN, VA, WV,
Company Background: Founded in 1959 by R.O. Giles and family owned for three
generations, Giles has kept its focus on providing quality homes at affordable price points
for nearly fifty years. Though they once ventured into offices, school rooms and even RVs,
they returned to the HUD home industry exclusively in the mid 80’s, targeting the entrylevel market. Although they are one of the oldest mobile home manufacturers in the world,
they feel confident about meeting the changing needs of today’s modern family. The way to
24
success in business is through hard work and ethical treatment of employees and
customers.
Comments: Though they do not allow for customization, Giles offers better features as
standard than many of their competitors. This allows them to sell a nicer home at
competitive price points. They also offer a good warranty service program. Entry-levels
homebuyers can feel good about a Giles home.
Golden West (Clayton)
3100 N. Perris Blvd
Perris, CA 92571
www.goldenwesthomes.com
States Sold In: WA, OR, CA, NV, ID, UT, AZ, MN, WY, MT
Company Background: Golden West started building homes in 1965 and is well-known
throughout the Northwest region of the United States. According to the company’s website
Golden West is among the top 20 manufacturers in the United States. From its very first
home in 1965, Golden West’s has built more than 70,000 homes. Oakwood Homes
purchased Golden West in 1994 and the quality seemed to drop drastically. Then in 2000
the quality started improving and has continued, with the most recent purchase of the
company by Clayton in 2004. We found their closest competitors to be Karsten, Silvercrest,
Hallmark Southwest, Skyline, and Fleetwood.
Comments: Golden West brags they have the best longitudinal floor system in the industry
but I am not a big fan of longitudinal floor systems. If you decide to purchase a Golden
West make sure to set your home on a HUD-compliant foundation with concrete or cinder
blocks or steel piers and a solid perimeter wall. On the positive side Golden West has some
very unique floor plans. When you walk into a Golden West you feel like you’re in a stickbuilt home with, fireplaces, high ceilings and fully taped and textured walls. Golden West
homes fall into the, “Above Average Category.” Golden West is appealing to the midrange and upper-end buyers and on average a Golden West will cost between $45.00 and
$65.00 per square foot. I would recommend upgrading to lap siding and eliminate some of
the trim work on the outside, which I find to be overkill on many of their models. I would
also upgrade from a 3/12 roof pitch to a 4/12 if your budget allows. The company’s website
is basic and lacks and real information.
25
Hallmark Southwest Corporation
PO Box 1710
Loma Linda, CA 92354
Phone: 909-796-2561
www.hallmarksouthwest.com/
States Sold In: CA, AZ, NV
Company Background: This small, family owned business was started in 1977. They have
stayed successful since then by simply keeping things small. They focus on local
communities and the loyal customers they make there. They offer standard amenities that
are typically sold as options with their competitors. You won’t see any advertising or sales
staff here. They operate on referrals alone. We found that their closest competitors were
Silvercrest, Palm Harbor, Skyline, and Fleetwood.
Comments: Hallmark Homes is a top quality builder using 2”x6” exterior walls, 2”x8” floor
joists and 2”x4” interior walls. All their homes are taped and textured with solid wood
cabinets and quality plumbing fixtures throughout. The company falls into the, “Premium
Category.” On average a Hallmark home will cost $55.00 to $65.00 per sq. ft. If you live in
California and you’re looking for an upper-end HUD-code manufactured home visit Hallmark.
Hart Housing Group
1025 E Waterford St.
P.O. Box 406
Wakarusa, IN 46573
Phone: 219-862-4461
www.harthousing.com/
States Sold In: WY, SD, NE, KS, MN, IA, MO, WI, IL, MI, IN, KY, TN, OH, PA, NY, ME
Company Background: Hart Housing was
recently sold to the Forest River Corporation.
Many of you may know of Forest River, they
build recreational vehicles. Forest River liked
Hart Housing business model and plan and
decided to purchase the company a few years
ago. Hart Housings previous owner Ken Brinks
was instrumental in starting Dutch Housing in
the 1990’s. Dutch Housing became a popular
manufacturer and was noted for its quality
construction and good reputation. Champion
Homes acquired Dutch Housing a number of
years ago and that is when Ken decided to start another company called Hart Housing
Group. Since 1996, Forest River’s large production capacity has enabled them to fill
customers' orders promptly without cutting corners or rushing through production
procedures. This ensures that each Forest River product is conscientiously built and
undergoes thorough, detailed inspection before it's shipped to the customer.
Comments: Hart homes come standard with residential type features inside and out.
People who purchase a Hart home are interested in quality and dependability. Based on my
26
research the company exceeds the HUD standards in many areas of construction. I have
studied their standard features and believe they make one of the best built HUD-code
manufactured homes on the market. Hart Housing is starting to go after the manufactured
home industry by offering many different styles of floor plans including a Cape-Cods series
and two-story homes. They anticipate 60% of their production to be manufactured homes. I
am excited to see Hart Housing make this step, which will be a profitable venture. If you’re
a mid-range to upper-end buyer Hart Homes is worth checking out.
Highland Manufacturing Inc.
P.O Box 427
Worthington, MN 56187
Phone: 507-376-9460
www.highlandmanufacturing.com/
States Sold In: CO, IA, MI, MN, ND, SD, WY
Company Background: Highland was founded in 1986 by Greg DeGroot and a group of
private investors when they acquired a plant that had been built some years prior and was
not succeeding. Now president and CEO, Greg DeGroot and his associates have brought the
plant up to well producing standards. The main product for Highland has always been HUDcode housing but they are producing manufactured homes as well now.
Comments: There is little information on this company. The product is a, no-frills home.
The company was not interested in speaking with me or my research team. I have not
heard of any negative comments about company but to be fair I have not researched them
enough to accurately describe them in any detail. One of those companies that is hard to
get any real information.
Hi-Tech Housing, Inc.
19319 County Road 8
Bristol, Indiana 46507
574-848-5593 / Fax 574-848-5472
www.hi-techhousing.com
States Sold In: FL, MS, LA, KY, OK, TX, AR, MO
Company Background: Hi-Tech Housing, Inc. is one
of the leading manufacturers of custom manufactured
and HUD-manufactured homes. From the start, HiTech Housing’s goal has been to advance the
manufactured housing industry into new frontiers. HiTech Housing combines state-of-the-art home building
products, innovations and procedures used by sitebuilders with the efficiencies of building a home in a
factory where all aspects of construction - from framing to finishing - are monitored by
experienced quality control specialists. Hi-Tech Housing brings manufactured homes and
27
light commercial structures to a new level of excellence and to a broader market appeal and
acceptance.
Comments: Developer Charles Fanaro wanted to build a high-end retirement community
featuring HUD-code manufactured homes that were as aesthetically pleasing to the eye as
stick-built homes. However, Charles could not find a factory to build a HUD-code home to
his expectations. So, with fellow investors, he founded Hi-Tech Housing in 1992. The
company enjoys working with developers and builders that are interested in utilizing
manufactured or HUD-Code housing. Hi-Tech homes are of as good or better quality than
many site-built homes. They are a low-key company not even actively advertising much or
really looking for new dealers. They are “the best-kept secret in high-end HUD housing in
my opinion”.
Holly Park
P.O Box 620567
Vicksburg, MS 39182
Phone: 601-636-5401
www.holly-park.com
States Sold In: FL, MS, LA, KY, OK, TX, AR, MO
Company Background: Holly Park and their sister company, Indiana Building systems
both use the same facility to build their HUD-code manufactured homes. Holly Park got its
start in 1964 and has always been a well-known brand in the Indiana region. Pleasant
Street Homes purchased the company in 2001. Pleasant Street was a new company looking
to add an affordable HUD-code line to its products. Holly Park designs and builds homes.
That is all that they do. Their efforts and abilities are focused on manufacturing homes that
meet and exceed expectations. From start to finish, they seem to take great pride in
providing homeowners with a quality home. Starting with an affordable set of base
specifications and allowing you to add the options that YOU want, and allowing you to
balance cost and features, ensures that you get the home you want at the price that is right
for you. “Our emphasis is on quality, product innovation and customer satisfaction.”
Comments: Holly Park is growing and adding new dealers every month. They offer a
quality built home at affordable prices. The company is flexible when it comes to making
changes and offers a wide variety of floor plans and options. They have an excellent
warranty program and based on my research I would have to put them in the, “Above
Average” category. If you’re an entry-level to mid-range home buyer Holly Park may be
worth checking out. A large percentage of their production is for manufactured homes,
which is a good sign in my opinion. It seems more and more manufacturers are moving in
this direction. If I were purchasing a home from Holly Park it would probably be one of their
manufactured homes. The cost difference is not that much more with better financing
options.
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Homark Homes
The HOMARK Company, Inc
100 Third Street
Red Lake Falls, MN, 56750
Phone: 218-253-2777
www.homark.com
States Sold In: MN, ND, SD, IA, WI, MI
Company Background: In February 1991, the Homark factory was purchased by 46
employees from private ownership. These employees signed personal commitments to make
the purchase, which gave them control of all facets of the business of building Manufactured
Homes. Since that time, the factory has grown substantially now offering a manufactured
product as well. The employee-owners are “very proud of the products they build, and want
everyone to know that the HOMARK Home you've purchased was "BUILT WITH PRIDE" by
the company owners.” As an employee owned company, they implemented a "Total
Commitment to Quality" program in 1994. “We start with a very simple but responsible
philosophy of quality with our employees at HOMARK. If the material is not equal to their
workmanship, they may reject the material involved.” They also have full time quality
control personnel inspecting each home.
Comments: Homark offers a very nice selection of homes (including a very attractive cabin
series). They also add a few more niceties in their standard packages than most and they
offer great upgrade packages as well. They even clearly state, “The floor plans available in
our catalogs and online are the most popular ones. All floor plans are completely
customizable to fit your needs.” The company’s website is consumer friendly and well-puttogether. The company’s closest competitors are; Skyline, Liberty, Wick, BonnaVilla and
Champion’s high-end products. Most home buyers probably have not heard of this company
but I do place them in the premium category. They build both HUD-code manufactured
homes and manufactured homes.
Homebuilders Northwest, Inc.
1650 Industrial Drive
Salem, OR 97305
Phone: 503-391-8936
www.homebuildersnorthwest.com/
States Sold In: WA, OR, ID, CA
Company Background: “The strength of a company is its people, not its capacity” That is
the philosophy expressed on Homebuilders Northwest’s website. They recognize that your
investment in a new home is likely to be the most important decision you make in your
lifetime so it is important that your needs are met, your expectations are fulfilled, and your
investment is secure. HBN sees their role as your builder requiring your confidence in their
ability, and your trust in their judgment. They provide superior materials and workmanship
while controlling unnecessary expenses that could deteriorate affordability. Homebuilders
Northwest, Inc. is independently owned and operated, with all homes built at the Salem,
Oregon facility and distributed by authorized professionals throughout the Pacific Northwest.
29
Comments: Homebuilders N.W. is a small company and because of this most home buyers
living in the N.W. have never heard of them. As with smaller companies they build an
excellent home, using quality materials and they exceed HUD standards in construction.
This company is a premium builder and their homes on average cost $45 and $65 a square
foot. Homebuilder Northwest has a good reputation in the industry for servicing their
customers. A great company if you’re a mid-range to upper-end buyer looking for quality
construction and trying to stay within your budget.
Homes of Merit (Subsidiary of Champion Homes)
Highway 100 East
Lake City, FL 32055
Phone: 904-755-3073
www.homes-of-merit.com/
States Sold In: FL, SC, AL, MS, LA
Company Background: Homes of Merit was
founded by Chuck Weeder in 1973. Chuck had a
vision to create a company that produced quality
HUD-code manufactured homes. In 1973, his
company produced approximately 2.5 million
dollars in sales. In 1984, Homes of Merit production
capabilities had reached a maximum in the now 3
plants. Orders for homes were so strong they were
not able to build the homes fast enough. The
company expanded into Lake City, Florida and
production began in 1985. Another plant was built
in 1988 next to the existing plant in Lake City,
Florida to keep up with sales. In 1996 in response to strong sales and the desire to move
into a different product line, plant 3 was built. As a result of its growth, Homes of Merit has
become the largest single location producer in the State of Florida. Because of tremendous
success Homes of Merit was acquired by Champion Enterprises in January of 1999.
Comments: Homes of Merit is an above average builder that builds a quality HUD product
at affordable prices. The company is appealing to entry-level and mid-range buyers. The
exteriors to me seem plain with not much residential appeal. They also use gypsum board,
which is typically thinner compared to sheet rock in some of their models. I found their
website to be somewhat disappointing with no real information about how their homes are
constructed.
30
Horton Homes Inc.
P.O. Drawer 4410
Eatonton, GA 31024
Phone: 800-657-4000
www.hortonhomes.com/
States Sold In: AL, AR, FL, GA, KY, LA, MS, NC, SC, TN, TX, VA
Company Background: Horton Homes, for over a quarter century, has valued a tradition
of quality for homeowners throughout the Southeastern United States and the world.
Superior construction combined with energy efficiency and homes loaded with amenities,
has made Horton Homes a leader in the manufactured housing industry. Horton Homes,
located in Eatonton, Georgia, is a leading producer of HUD code manufactured homes and
manufactured homes at a single facility in the nation. They got their start manufacturing
three homes a week from an abandoned chicken house in 1970. Since then, Horton has
grown to a 100 acre facility, with a manufacturing capacity of 100 floors per day.
Comments: Horton is a smaller company that pays attention to quality control issues and
customer service. I like the fact that Horton is appealing to both the entry-level buyer and
the upper-end buyer by offering both HUD-code homes and manufactured homes. Those
that I’ve talked to that have purchased a Horton home have been pleased with their
purchase and service. After reviewing Horton’s construction specifications and talking with
the company I really like Horton’s manufactured homes, which are a step up compared to
other manufactured homes built by HUD producers. Horton manufactured homes make up
about 30% to 40% of total production. With unique floor plans including a two story model,
Horton manufactured homes may overtake their manufactured home division. One can
expect to pay around $10,000 more for a manufactured home built to state and local
building standards compared to a HUD-code home. If you’re a mid-range or upper-end
buyer looking for a quality HUD-code home or a manufactured home that has residential
appeal with a price tag that is sure to please than check out Horton Homes.
Indies Homes (Out of Business)
Highway 172 East
PO Box 190
Hackleburg, AL 35564
Phone: 205-935-3117
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Jacobsen Homes
P.O. Box 368 901 Fourth Street
North Safety Harbor, FL 34695
Phone: 800-843-1559
www.jachomes.com/
State Sold In: Florida
Company Background: From their founding days in
1959 to the present, Jacobsen Homes has practiced a
commitment to quality, flexibility and customer service.
They strive to use only the finest products and
materials. “People say there is uniqueness about a
Jacobsen Home that no other builder has matched.”
They
have
successfully
merged
state-of-the-art
engineering with the all-important, human touch.
Special attention is given to every detail in each home
to bring you the very best home at an affordable price”
Comments: Jacobsen Homes are considered by many to be one of the best-built HUD-code
manufactured homes in Florida. They have a good reputation for quality and customer
service. In most models 2”x8” floor joists are used and 2”x6” lumber is used in the exterior
walls. The interior walls have 2”x4” lumber and not 2”x3” lumber found in many homes
today. Jacobsen homes fall into the, “Premium Category”. The average price per square
foot is between $45 and $60. The company is appealing to the mid-range and upper-end
buyers with stick-built features and residential appeal being their main focus. I highly
recommend Jacobsen Homes to anybody considering purchasing a HUD-code manufactured
home in Florida. Jacobsen’s website is excellent and I would have to rate it right up there
with, Commodore Homes, Hart Housing and R-Anell’s websites. Their tour page is excellent
with detailed information about their homes.
Karsten Company (Clayton)
9998 Old Placerville Road
Sacramento, CA 95827
Phone: 916-363-2681
www.thekarstenco.com
States Sold In: OK, TX, CO, WY, NM, AZ, UT, NV, CA, OR, WA, ID, MT, AK, KS, AR, LA
Company Background: Before the name Karsten emerged in the industry, they were
known as Golden West Homes in Northern California, which sold out to Oakwood Homes.
This new company then restarted in Albuquerque, New Mexico. The company used the same
construction methods they used when building the Golden West Homes. Clayton purchased
Karsten in 2005, but Harry Karsten is still at the helm. We have found their closest
competitors to be Skyline, Silvercrest, Cavco, Hallmark southwest, Marlette, and Golden
West.
Comments: Karsten Homes are getting a lot of attention these days, they are building
quality homes using 2”x6” lumber for their exterior walls and “2x”4 studs for the interior
walls. Karsten uses 1”/2” sheet rock throughout and their frames are recessed at both ends
32
for future blocking or permanent foundation. Karsten claims they use 30% more steel in
their chassis and that their floors don’t flex like other manufactured homes. I am not a big
fan of longitudinal floors but Karsten seems to be doing a good job. Karsten falls into the,
“Premium Category.” The majority of homes being produced are HUD-code manufactured
homes with a small percentage of on-frame manufactured homes being produced. I found
Karsten’s website to be basic and their tour page was very limited. Based on my research
the company has a high customer satisfaction rating.
Kit Homebuilders West LLC
P.O Box 250
Caldwell, ID 83606
Phone: 208-454-5000
www.kitwest.com
States Sold In: ID, OR, WA, NV, CA, MT, CO, UT
Company Background: Kit Manufacturing was founded in 1945 and has built thousands of
HUD-code manufactured homes over the years. Like many companies, they were hit by the
manufactured home slump that occurred in the late 90’s, as they were primarily selling in
this market. They were then bought out by Miles Standish and Michael Wolf, both well
reputed in the industry, and re-launched as Kit Homebuilders West LLC. Now they focus
strictly on the HUD-code market specializing in homes for the entry-level and mid-range
buyer.
Comments: The new owners are no-nonsense types who have done well with the company,
which was difficult to work with in the past. The new product is much improved and they are
expanding their dealer network. Most home buyers I speak with have not heard of Kit
Homebuilders. They do build a solid HUD-product at prices below most other builders. They
do not offer a manufactured product at this time. Their website, though it was lacking in the
type of photos you typically like to see, was one of the most informational I’ve seen. Loads
of info on how the homes are built and why manufactured homes are a good choice. This
company gives me the impression that they are very up-front about their product and that
makes you feel like you’re really getting a quality product. They sure aren’t hiding anything.
Laurel Creek Homes (Out of Business)
1635 South 43rd Ave
Phoenix, AZ 85009
Phone: 877-369-4602
33
Liberty Homes Inc.
PO Box 35 / 1101 Eisenhower Drive N
Goshen, IN 46527-0035
Phone: 574-533-0431
www.libertyhomesinc.com
States Sold In: AL, AR, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI,
MN, MS, MO, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT,
VA, WA, WV, WI, WY
Company Background: Liberty Homes recently
celebrated their 60th anniversary as one of the
nation's oldest and largest builders of manufactured
and manufactured homes. They are selling about
40% off-frame manufactured homes. They stress
high quality workmanship and product control. They
claim to have all the advantages of stick-built homes
but with better quality materials. They are operating
out of 6 locations in Oregon, Kansas, Wisconsin,
Alabama, Indiana, and North Carolina. Their most
popular style of home is their Cape Cod series.
Comments: When I was selling homes in the late 1990’s Liberty Homes were considered an
entry-level home at best with not much exterior appeal. Over the years this has changed
and the company has changed course dramatically, they now offer a quality HUD-code
home and a very nice off-frame manufactured home in my opinion. I give Liberty Homes,
high marks across the board and feel they deserve the respect that is often attributed to
upper-end homebuilders. Liberty does offer in-house financing for their customers. I found
their closest competitors to be Patriot, Ritz-Craft, Commodore, Skyline, Wick, Fleetwood
Clayton and Palm Harbor. I found Liberty’s website to be somewhat vague on construction
methods but their website does provide other information along with pictures and virtual
tours of some homes. I personally like their manufactured homes and feel they offer
homebuyers a good value for the money.
Magnolia Homes Inc.
982 Rundell Road
Gering, NE 69341
Phone: 308-436-3131
www.magnoliahomes.biz/page1.html
States Sold In: WY, SD, NE, UT, CO
Company Background: Magnolia Homes first began production of quality manufactured
homes in the Scottsbluff/Gering, Nebraska area in 1958. They eventually outgrew their
production facility, and in 1971 a "state of the art" production facility was designed and built
in Gering. It is this facility which continues to operate today. This new facility allowed
manufactured homes to be constructed in one piece. Building the home together, then
separating it for shipment, guarantees a proper fit when it is installed on site. This
"marriage wall" style of construction, pioneered by Magnolia Homes, is still used today and
elevates Magnolia's reputation as an industry leader in product design and dependability.
34
Comments: Magnolia is an independently owned and operated company. The company
takes pride in building high-quality homes. This pride shines through every aspect of their
business from their total commitment to customer satisfaction, to the well-being and
prosperity of their employees. For over 40 years the Magnolia name has represented quality
in manufactured and manufactured homes. Magnolia Homes offers a variety of different
styles at a variety of different price-levels with exceptional value. The company builds both
HUD-code homes and manufactured homes. Their manufactured division is exceptional in
my opinion. Magnolia is a small company with a highly trained workforce that translates into
a well-built home. This company received high marks all across the board and base on our
research is a top-notch company with a bright future. Their website is consumer friendly
with construction specifications, pictures and allows homebuyers to locate a building in their
area.
Marlette Homes (Please See Schult Article)
Moduline International Inc.
1175 Railway Ave.
PO Box 190
Penticton, BC V2A 6K3 Canada
Phone: 250-493-0122
1421 Briar Park Crescent
Medicine Hat, AB T1A 7E4 Canada
Phone: 403-527-1555
www.moduline.ca
States Sold In: WA, ID, MT, AK, WY, ND, SD, MN; BC and Alberta, Canada
Company Background: Founded in 1969 and purchased by Champion in 1993, they are
known for their high quality craftsmanship which can likely be attributed to the longevity of
their employees. They are a reputable builder in the northern states. With 35 years of
residential design and construction experience the company has earned a reputation for
excellence in the manufactured housing industry. During this time their facilities have
produced an average of 800 homes per year.
Comments: Moduline builds a good, solid, well insulated HUD-code manufactured home,
which is a must in the northern states. Their warranty is outstanding. It is more expensive
to ship across the border but Moduline may have enough going for it to make the distance
worthwhile. The company also builds manufactured homes, which makes up for over 80% of
production. The company is competing with Palm Harbor, Guerdon and Silvercrest Homes.
Based on our research they provide a quality product and follow it up with good customer
service. The company’s website is basic with no construction information.
35
Nashua
PO Box 170008
Boise ID 83717
Phone: 208-345-0222
www.nashuahomesofidaho.com/
Locations: AK, AZ, CA, CO, MT, NE, NV, OR, UT, WA, WY
Company Background: Taken from Nashua’s website: “Nashua established its Idaho
facility in Boise's first industrial park on Gowen Field in 1956. To accommodate the housing
demand, we moved to an 86,000 square foot facility in 1988. Additional land and
manufacturing space have been added since then. Nashua is committed to serving the
unique needs of the western United States. With customers as far away as Alaska, we can
build for the demanding Alaskan cold, as well as adapting to the hotter climates of Nevada
and Arizona. Our homes exceed the federal standards set forth by HUD. The structural
integrity of a Nashua home will give you peace of mind for years to come.”
Comments: I get a kick out of Nashua’s website. The first page goes right into what really
matters, quality construction. The company lists all the standard features for everybody to
see. Nashua is a small company that pays attention to detail and I would recommend them
to anyone considering a HUD-code manufactured home. By adding lap siding to their homes
and attaching a garage their homes will look like a site-built home when completed. I also
find Nashua to be very affordable and on average their homes cost between $30 and $45
per square foot. The company does not advertise much and many people are not aware
they exist. On the negative side the company is not doing much in the way of manufactured
housing but I am sure this will change in time. A gem of a company worth checking out!
New Era Building Systems
451 Southern Ave
Strattanville, PA 16258
Phone: 800-678-5581
www.new-era-homes.com
States Sold In: PA, NY, CT, NH, VT, ME, IL, MA, NJ, MD, DE, VA, WV, IN
Company Background: Established in 1992, New Era Building Systems is a proven leader
and innovator in the manufactured industry. All of New Era homes are built in a climatecontrolled factory. This means that weather related problems are minimal. The company
claims their homes are up to 20% stronger than a traditional stick built home, because
manufactured homes have to withstand transportation. Based on our research this is an
accurate percentage and is true with most true manufactured home builders in the United
States.
Comments: New Era is a quality company that has been in business for over fifteen years,
building both HUD-code manufactured homes and manufactured homes. The company’s
manufactured homes cost a bit more than most, but you will be getting a better built home
that stands up to the test of time. The company also builds a nice custom manufactured
home built to state and local building codes. They have existing floor plans that you can
choose from or they can custom build your home from your plan. They also do a small
business in multi-family and commercial units. I have talked to a few of their builders and
36
they all give New Era high marks for quality construction and customer service after the
sale.
Oak Creek Homes (American Homestar)
2450 South Shore Blvd, Suite 300
League City, Texas, 77573
www.oakcreekhomes.com
States Sold In: TX, NM, CO, KS, OK, AK, MS, LA
Company Background: Oak Creek Homes manufactured by American Homestar are built
by people with many years of home building experience. That's decades of providing
industry-acclaimed off-site home design and construction. Oak Creek’s team continues to
deliver what homebuyers are looking for in new homes along with quality construction that
exceeds expectations.
American Homestar Corporation is a vertically integrated factory built housing company,
with operations in manufacturing, retailing, financing and insurance. The company is known
throughout the Southwest as a builder of the quality manufactured and manufactured
homes. American Homestar is recognized for its innovative designs, distinctive architectural
exteriors, flexible floor plans and custom amenities. American Homestar homes are built to
appeal to both the first time homebuyer on a budget and move-up homebuyers looking for
the larger, higher quality home with custom features
Comments: I give Oak Creek Homes a high rating because of the quality that goes into
each home. The company offers a seven year warranty plan, which is unheard of in the
industry. Based on my research the company takes great pride in making sure their
customers are taken care of after the sale. The company provides an attractive home with
quality materials at a price that is hard to beat. The ability to keep everything (financing &
insurance) “in house” is also very appealing. Based on my research the company has a good
reputation in the industry. American Homestar sells its homes through a network of
company owned and independently owned retail centers, builders and developers
throughout the Southwestern U.S. I like this company and if you’re looking for an affordable
manufactured or manufactured home they are definitely worth taking a look at.
Oakwood Homes
7800 McCloud Rd.
Greensboro, NC 27409-7081
Phone: 336-664-2400
www.oakwoodhomes.com
Locations: Available in most States
Company Background: Oakwood Homes Corporation is a fully integrated housing
company - manufacturing, retailing, financing and insuring quality factory-built homes
across the nation. Founded in 1946, Oakwood Homes is headquartered in Greensboro, North
Carolina. It is a publicly held company trading under the ticker symbol OKWHQ.
37
Comments: Like Champion, Oakwood was on a buying spree a number of years ago,
gobbling up smaller companies like: Crest Homes, Freedom Homes, Golden West, House
Smart and Marlette Homes. Oakwood has a poor reputation in the industry for servicing
their customers in my opinion. I have spoken with a number of people who have purchased
an Oakwood product only to be disappointed. Now, I am sure there are some upstanding
sales centers for Oakwood. I am not suggesting that all sale centers or dealers that offer
Oakwood homes are run poorly. Warren Buffet purchased Oakwood homes a number or
years ago and I was hoping their quality would improve but it did not. Now, Clayton Homes
has acquired Oakwood Homes and this is good news for the company. I feel Clayton will do
a better job in managing the company and hopefully restore their reputation in the industry.
Palm Harbor Inc
15303 Dallas Parkway Suite 800
Addison, TX 75001
Phone: 972-991-2422
www.palmharbor.com/
States Sold In: WA, OR, ID, MT, CA, NV, AZ, NM, CO, TX, OK, AR, LA, MS, AL, FL, GA, SC,
NC, VA, DE, TN, KY, IL, IN, OH, MI
Company Background: Based in Dallas,
Texas, Palm Harbor Homes is one of the
nation's largest marketers of factory-built
homes. The company's vertically integrated
operations set it apart from others in the
industry. Palm Harbor builds, sells, finances
and insures the best manufactured homes
available today. Palm Harbor's focus is the
high-end, customized niche of the HUD-code
manufactured home market. Four out of five
homes produced in its 18 manufacturing
facilities across the country are customized with owner-selected features. Palm Harbor sells
its homes through 115 company-owned superstores and more than 350 independent
retailers.
Comments: For almost 30 years, Palm Harbor Homes has providing beautiful and
affordable homes with quality construction and lasting customer satisfaction. The company
has a good reputation in the industry with innovative design and superior craftsmanship not
normally found in HUD-code homes. I give Palm Harbor high scores across the board and
recommend anyone considering a mid-range to upper-end home to take a look at this
company. The company is also moving into the manufactured market with some nice floor
plans and designs that is guaranteed to turn some heads. Palm Harbor main competitors
are; Karsten, Golden West, Fuqua and Hallmark Homes SW. The company’s website is
consumer friendly with a construction page and other important information.
38
Pine Grove Manufactured Homes, Inc.
P.O. Box 128
Pine Grove, PA 17963
Phone: 570-345-2811
www.pinegrovehomes.com/
States Sold In: VA, WV, OH, PA, MD, DE, NJ, NY, CT, RI, MA, NH, VT, ME
Company Background: Pine Grove Manufactured Homes,
Inc. is a privately held, independent designer and builder of
manufactured housing. Pine Grove has been a trusted
source of quality, value, and innovation since 1982. They
own and operate one large state-of-the-art manufacturing
center in Pine Grove, Pennsylvania. Pine Grove offers a
long-standing tradition of providing quality homes at
competitive prices with a size and design for every need.
The company has a long history of financial strength and
consistent operations. Pine Grove builds high-quality
manufactured homes, as well as a line of manufactured homes. Pine Grove is home to one
of the industry's most renowned design teams. “We invite you to view our beautiful modern
homes and see for yourself why Pine Grove has won accolades for design, quality, and
innovation year after year!”
Comments: I like this company with its unique designs and quality construction, which
exceeds HUD standards. Pine Grove’s HUD-code manufactured homes are a step above
other HUD-producers in their markets. The company’s manufactured division called,
“Pleasant Valley Homes” are very nice manufactured homes at affordable prices. Overall I
would have to place Pine Grove in the premium category. They are a mid-size company that
has a good handle on quality control issues. They are friendly to work with and based on my
research and their customer service is awesome. The company’s website does provide
additional information about construction specifications and pictures of their homes.
River Birch Homes
400 River Birch Drive
Hackleburg, Alabama 35564
Phone: 205-935-1997
www.riverbirchhomes.com/home
States Sold In: AR, FL, GA, KY, LA, MS, MO, OK, SC, TN,
Company Background: Delmo Payne and Gerald Terrell combined 50 years of
manufactured housing experience and opened River Birch Homes in October, 1997. River
Birch is a family-based company offering a variety of options to meet different housing
needs. They operate from a 133,738 square foot plant, building single- and multi-section
manufactured homes. Their single sections homes range in size from 670 to 1,140 square
feet with two or three bedrooms. Their multi-section homes range in size from 1,040 to
2,280 square feet with up to 5 bedrooms. River Birch currently supplies homes to over 100
dealers and sales centers in the Southeast.
39
Comments: This is our first time including River Birch in our guides. They seem to build a
nice, quality home with some interesting and unique features. They have built strong
relationships with their dealers. River Birch keeps things simple. They can build a quality
home, price it competitively and offer outstanding customer service. It is these principles
that make family owned companies so desirable in the industry.
Schult/Marlette Homes
P.O. Box 409, Highway K-18
Plainville, KS 67663
Phone 913-434-4617
www.schulthomes.com/
www.marlettehomes.com/
Locations: Available in most States.
Company Background: Schult Homes was founded back in 1934 and has garnered a rich
tradition that they call the Schult Heritage. “It simply means giving you the best quality
possible; dedicating ourselves to craftsmanship in building our products; and providing
follow-up service until the customer is completely satisfied.” Clayton Homes recently
purchased Marlette/Schult and their manufacturing facilities located in the Pacific Northwest
and the Northeast. Clayton Homes allows the company to tailor products to regional needs
and preferences. Marlette offers a wide variety of models, floor plans and prices to meet the
needs and lifestyles of these regions.
Comments: Schult/Marlette have a very good reputation in the industry for building a
quality home and servicing their customers. The company falls into the, “Above Average”
category. Schult/Marlette offers some very attractive floor plans with covered porches and
garage ready applications. When I was selling Valley homes in Washington State my fiercest
competitor was Marlette at the time. The company is also building manufactured homes,
mostly on-frame with production around 30%. I like this company and would recommend
them to anyone looking for a quality home.
ScotBilt Homes Inc.
2888 Fulford Rd
P.O Box 1189
Waycross, GA 31502
Phone: 912-490-7268
www.scotbilt.com
States Sold In: GA, FL, MS, LA, SC, NC, AL
Company Background: ScotBilt Homes was built from the ground up in 2004 by Sam and
Greg Scott. ScotBilt is the third company to be founded by Sam Scott. He launched Scott
Housing Systems in the early 80’s opening ten plants before its sale. Then in 1990, he
founded General manufactured Housing. Like Scott Housing, General focused solely on
HUD-code homes. Sam sold his interests in General in 1996 and took a 9 year break from
the industry before the induction of ScotBilt homes in 2004. The focus market again is entry
level homes, this time offering a few “upgraded standards”.
40
Their plant is a 150,000 square foot State of the Art Manufacturing Facility. It’s
Management Team has over 360 years combined experience! The plant’s carpenters,
plumbers, electricians, and roofers have been in the business since the early 1980’s. The
mission of ScotBilt Homes is to build a high-quality, low-maintenance manufactured home.
Their homes include, as standard, many features typically found only in "stick-built" homes,
including eight (8) foot sidewalls, high pitched roofs, plywood floors and upgraded
insulation.
Comments: In the highly competitive manufactured world in the SE region, ScotBilt is
emerging as another worthwhile player. Exteriors are more attractive than many
competitors, but the construction quality is poor to average. Not much to say here other
than a good looking home built to HUD-specifications.
Shamrock Homes
P.O Box 620567
Vicksburg, MS 39182
Phone: 601-636-5401
www.shamrock-homes.com
States Sold In: IL, IN, MA, MI, MO, NJ, NY, OH, PA, RI, WI
Company Background: Convinced that
there was a market for high-end HUDcode
manufactured homes
in
the
Northeast region, Patrick Flynn founded
Shamrock
homes
in
1969.
A
manufactured home veteran of many
years, Flynn set out on his own and
earned a reputation building high quality
HUD-code homes on par with stick-built,
focusing on manufactured home communities. In 1995, the company ventured into
manufactured housing, offering many models in both varieties. A small company by design,
Shamrock has come through industry downturns virtually unscathed and maintained high
quality standards. Shamrock Homes is a quality custom builder with over 35 years
experience in the manufactured housing industry. Shamrock uses quality materials,
including many popular brand names. Shamrock Homes allows you to customize your home
to make it exactly what you want.
Comments: Shamrock Homes has seen a prosperous life due to its dedication to maintain
the finest quality in a HUD-code homes and manufactured homes built to state and local
codes. Highly customizable floor plans and a unique closed heating system, gives Shamrock
strong appeal for the upper-end buyer looking for the residential appeal of a stick-built
home without the higher cost. Shamrock offers; strong, quality construction and materials,
customization, residential curb appeal. This company rated well in all areas. Shamrock
Homes is definitely a premium company that is marketing their homes to mid-range and
upper-end buyers.
41
Silvercrest
299 N Smith Ave
Corona, CA 91720
Phone: 800-382-0709
www.silvercrest.com/
States Sold In: WA, OR, ID, MT, WY, CA, NV, UT, CO, AZ, NM, KS
Company Background: Silvercrest is considered by
many to be one of the best builders in the N.W.
Silvercrest has two West Coast manufacturing
facilities located in Corona and Woodland, California.
With over 30 years of experience and a solid
reputation for servicing their customers, Silvercrest
has made its mark as one of the best in the industry.
Silvercrest manufacturer’s two story homes and a
builder series home called Good Neighbor Homes.
The most popular series is; Manor Estate and
Edgewood, both are very nice and definitely in the
upper-end category. They also manufacture a
Cottage series, which is their value line and
Westwood Homes, which are moderately priced. Silvercrest is probably one of the more
expensive homebuilders in the industry. If you’re after the best of the best then Silvercrest
is the company.
Comments: Silvercrest is a premium company that utilizes innovated designs and quality
materials. They offer almost everything you could imagine but would not expect to see in a
HUD-code manufactured home. The exteriors of some Silvercrest models look like a mobile
home to me. I am sure you can make the necessary modifications by adding lap siding and
other residential features. The company is also producing manufactured homes, including
some two-story models. If you’re after a quality built home with all the amenities of a stickbuilt home then Silvercrest could be the answer. We found their biggest competitors were
stick-built homes. The company competes against Palm Harbor, Karsten and Guerdon
Homes.
Skyline Corporation
Post Office Box 743
Elkhart, Indiana 46515
Phone: 800-348-7469
www.skylinehomes.com/
Locations: Available in most states.
Company Background: Since 1951, Skyline has offered a wide range of manufactured and
manufactured homes with price ranges to fit most budgets. They pride themselves on
superior customer service and have been a leader in the manufactured housing industry for
many years. Skyline produces homes for every buyer. Whether your need is for a singlesection starter home or a 2,700 square foot multi-sectional full drywall home, or anything in
between. Skyline is large company with 18 manufactured housing plants scattered
42
throughout the United States. They are a privately held company not traded on Wall Street
and I am told they have very deep pockets.
Comments: Skyline has a good reputation in the industry and people I talk to indicate they
treat their employees very well. Skyline is going after the entry-level to mid-range buyers
regarding their HUD-code homes. The company is also producing manufactured homes,
which appeals more to mid-range and upper-end buyers. Their manufactured homes are
nice looking and affordable, many that I have talked with are impressed with the quality
and craftsmanship of the product. I place the company in the, “Above Average Category.”
Skyline has many different floor plans to choose from and they are willing to work with you
if you want to make some modifications. I like Skyline’s website and if you get a chance
take a look at their factory tour page, it is really good. Overall Skyline is a good company
with a solid financial background, which means they will be around for many years to come.
Solitaire Homes Inc.
7605 Nickles Rd
Duncan, OK 73533
Phone: 580-252-6060
www.solitairehomes.com
States Sold In: OK, TX, AR, NM, KS
Company Background: While other companies chose to catch the industry-boom wave in
the early 90’s, Solitaire kept their focus close to home and within an area where they had
seen success already. By the late 90’s they had 5 plants in operation. Thus, when the
industry took a downturn, they were able to wait it out with little trouble. (Two plants were
closed and they reeled in some of their larger models.) At last count they had 27 dealers in
their network, many with their own homeowners insurance packages available (through a
third party), and have created Solitaire Financial Services, offering in-house financing.
Comments: In business, there are those looking to do as much as they can to grow their
business as big and as fast as possible. Then there are those, like Solitaire, who keep their
focus on what they do best. Solitaire builds a nice, mid-range home, not too big not to
small, appealing to the retiree or second time buyer. They have increased their productivity
by adding dealers to their network and creating the ability for in-house financing. The result
of all this is a good, solid, affordable home.
43
Southern Energy Homes
144 Corporate Way
Addison, AL 35540
Phone: 256-747-8589
www.sehomes.com/
Locations: Southeastern and South Central United States.
Comments: Southern Energy Homes, Inc. was founded in 1982 in Addison, Alabama. They
were immediately recognized for outstanding value and innovative home designs. Their
“concept of letting the customer design their own home was an instant success.” They
follow these core values: value, innovation, and customization as a foundation to grow and
succeed. Today, SEhomes, Inc. operates seven home production divisions and has built over
100,000 homes.
Southern Energy Homes is one of the industry's fastest growing and stable companies. They
are also one of the most versatile. With primary interest in the Southeastern and South
Central United States, they currently operate six manufacturing facilities that produce
homes sold in approximately twenty states. Southern Energy Homes is currently marketed
under five brand names and sold by approximately three hundred independent retailers.
Southern Energy Homes are designed as primary residences ready for immediate occupancy
and cater to all price segments of the market.
Comments: Based on my research, I am somewhat pleased with two of their series called,
“Southern Energy Homes” and “Southern Lifestyle Homes Inc.” These two series fall into
the, “Above Average Category.” They will allow customers to customize a home and I like
the fact they use 2”x8” floor joists and build 90” side walls. On average you will find the
cost per square foot to be around $35.00 to $55.00. The company is appealing to the entrylevel and mid-range buyers. The company’s website does a good job getting the information
out. They list their series and the standard features available in each series. This is a midsize company that takes pride in making sure their customers are taken care of.
44
Sunshine Homes Inc.
100 Sunshine
P.O Box 507
Red Bay, AL 35582
Phone: 256-356-4427
www.sunshinehomes-inc.com
States Sold In: FL, MS, LA, KY, OK, TX, AR, MO, GA, IA, KS, NC, SC, IL, AL
Company Background: Fred Bostick made an
interesting business decision in 1971. He was
disturbed by the closing of a Commodore owned plant
in his neighborhood, so he bought it hoping to save
jobs and make money when his current business was
in its slower season. Why is this interesting? His
existing business was pet food! The company was
successful but would see a bit of a slump in the
summer season; just when manufactured homes were
selling best. This way there was profit being made one
place or the other all year long. As a gimmick, a bag of dog food was placed under the
kitchen sink of each new home, a tradition that continues to this day. Still a small, efficient
company, Fred’s son, John, is now at the helm. They deliver with their own trucks and even
have their own warranty crew that boasts a 30 day response time for repairs.
Comments: An “unblemished” reputation is the reward this company has earned by
making customer satisfaction paramount. Though they are an entry level builder, they
receive above average ratings based greatly on their treatment of the consumer. They have
a high customer referral rate and outstanding warranty service. Homes are solidly built and
quality control is excellent.
Superior Homes LLC
715 21st St
Watertown, SD 57201
Phone: 866-773-5055
www.superiorhomesllc.com
States Sold In: FL, MS, LA, KY, OK, TX, AR, MO
Company Background: Superior Homes, with over 45 years of building experience, has
helped over 40,000 families make their housing dreams come true. Superior Homes utilizes
a multi-million dollar building facility, skilled job specific craftsmen, precision tools, and the
newest building technologies to offer a better way of building a new home compared to
conventional builders. A small builder, active since the 40’s, superior has worn more than
one name tag, most recently, Medallion. In 2003, the family-owned company was
purchased by a group of investors who chose to keep the Medallion brand name and began
expanding the manufactured home production (now responsible for 60% of output).
Medallion is well-reputed for its diverse customization options. From their website: “For
over 45 years, Superior Homes has been building products of the highest quality with
superb customer satisfaction. With a combination of the highest quality materials,
45
outstanding employees and a proven track record, we firmly believe there is no better home
than a Superior Home.”
Comments: In a region that sees regularly harsh winters, solid construction is a must.
According to a company spokesperson they use the latest technology available in the
industry to build a high-end home. The company does build custom cabinets in any style
you can imagine, but they specialize in European frameless cabinetry. With its frameless
front and concealed hinge system, this makes best use of all the space in each cabinet
without wasting materials.
According to their website, “all support materials utilize #2 lumber with trusses, exterior
walls, interior walls at 16" spacing. 2"x6" exterior with double OSB sheathing are standard
in a Superior Home. This feature provides over 50% more lumber in the walls and a much
quieter home over ordinary homes with 2"x4" walls.” The company produces a full line of
off-frame manufactured homes with quality and craftsmanship that is evident when looking
at their homes.
Titan Homes (Champion Enterprises)
P.O Box 177
951 Rt. 12 South
Sangerfield, NY 13455
Phone: 800-937-3911
6440 US Hwy. 43
Guin, AL 35563
205-468-3191
www.titanhomesny.com/
States Sold In: NY, PA, ME, NH, VT, MA, CT, AL, MS, LA, GA, TN, TX, KY, SC, MO, AR, FL,
OK
Company Background: Titan was founded in New York in 1973 with one plant that mainly
supplied MH communities. In the 80’s, Champion purchased Titan and its profitability
continued. In 1999, the plant was lost in a fire and Champion built Titan a new state-of-theart facility. Just recently, in 2005, Champion began producing entry-level homes under the
Titan name at its Advantage/Gateway plant in Alabama.
Comments: Nothing stands out about Titan but it is backed by the Champion Enterprises
title.
46
Valley Quality Homes
1830 South First St.
Yakima, WA 98903
Phone: 800-704-2812
www.valleyqualityhomes.com/
States Sold In: WA, ID, OR, MT
Company Background: Valley Quality
Homes was started by Art Burger who left
the furniture business and went to work as
a
salesperson
selling
manufactured
homes. After a few years Art made enough
money to purchase the sales center he
was working at. Art had a vision to
manufacture his own homes that were free
of building flaws that created service
issues day after day. So, the story goes, he bought an abandoned Fleetwood factory in
Sunnyside, Washington and through hard work, sweat and tears started producing Valley
Quality Homes. Art was never pleased with some of the construction methods used in the
HUD-code manufactured housing industry and wanted to produce a HUD-code product with
stick-built features that exceeded HUD standards. Because of Art’s foresight he set the
standard for the industry in Washington. Many were baffled at how this small company
could out-produce the national brands. Valley Quality Homes and Valley Manufactured
Housing is a family owned business serving customers throughout Washington, Eastern
Oregon and Idaho and Northwestern Montana for over 25 years. They have four Central
Washington locations. They have sold more multi-wide homes than any other dealer in the
state of Washington for 12 consecutive years.
Comments: I have noticed that smaller companies like Valley usually exceed industry
standards and build higher-end products, compared to the national brands at competitive
prices.
I purchased a Valley home in 1998 so my opinion may be somewhat biased but I believe
Valley has one of the best-built manufactured homes in the Washington State. All Valley
homes come standard with solid oak cabinets, 2”x8” floor joists, fully taped and textured
interiors and Super Good Cents insulation packages. Valley homes have 12” overhangs,
2”x6” exterior walls, 2”x4” interior walls, 40lb roof loads and copper plumbing throughout.
Valley in the past has had some problems with labor Unions but I believe this has been
resolved. Valley homes are somewhat plain looking and don’t have that residential appeal
that other manufacturers have. Most of Valley’s floor plans don’t have garage ready options
and you can only get a 3/12 roof pitch in a three-sectioned home. While most
manufacturers in the country are offering 4/12 and 6/12 roof pitches. Valley needs to add
some residential features to their homes if they want to stay competitive in this everchanging industry. Valley homes cost $40 and $60 a square foot and they are appealing to
the mid-range and upper-end buyers. If you live in the Washington State you should take
some time and visit a Valley sales center. A great company overall with stick-built type
construction at reasonable pricing.
47
Waverlee Homes
2039 Bexar Ave East, Bedford Industrial Park
P.O Box 1887
Hamilton, AL 35570
Phone: 205-921-1887
www.waverleehomesinc.com
States Sold In: AL, AR, FL, GA, KY, LA, MS, MO, OK, TN, TX,
Company Background: Steve Logan and several other investors joined with Liberty
Homes in 1994 to create Waverlee (named for a 19th century plantation), aiming at the
single section, entry-level market which is quite full in the SE region. In 1996, they moved
into sectionals (building a new plant that was later closed due to industry downturn).
Double-section homes still account for the majority of Waverlee production.
Waverlee Homes, Inc. is one of the nation's leaders in the manufactured housing industry.
Waverlee manufactured homes are built following rigid federal and state building codes;
strictly enforced by the Department of HUD and/or applicable state agencies.
All Waverlee homes are constructed of many of the same materials as - yet enjoy many
advantages over - site built homes.
“Total Quality Management (TQM) at Waverlee Homes is a strategizing process of listening
and sharing of information, developing and implementing processes all designed to improve
overall home quality. Waverlee Homes collectively considers advice from our dealers, our
suppliers, our employees and our customers to provide better, higher quality homes;
manufactured using the finest materials and most modern construction techniques for all of
our customers.”
Comments: The SE market for entry-level homes is saturated. It can be tough to stand
out. Waverlee has gotten a good name primarily by providing excellent service after the
sale; coming to the site to do finish work, conducting a walk-through with the homeowner,
and drastically reducing service costs during the one-year warranty period. Add in Liberty’s
in-house financing from TriCom Mortgage, and Waverlee is worth a good look. Aside from
having competitive price points in a very full market, Waverlee stands out by offering
contemporary interior options, excellent customer service before an after sales, and decent
construction.
48
Wick Building Systems, Inc.
2301 East Fourth St.
Marshfield, WI, 54449-0530
Phone: 715-387-2551
www.wickmarshfield.com/
States Sold In: MT, WY, SD, NE, MN, IA, MO, WI, IL, MI
Company Background: In 1960, Wick Building Systems, Inc. entered the homebuilding
industry by offering HUD-code manufactured homes. In 1988, off-frame manufactured
homes were added. All homes are marketed through a network of authorized independent
builders. Nearly 154,000 manufactured and manufactured homes have been built for
families throughout the United States. Wick manufactured homes are sold under the
®Marshfield Park Ridge, ®Artcraft Ambassador, and ®Rollohome Executive trademark
names. Like all other conventional homes, Wick manufactured homes are built to the local
and state codes where the home is to be built.
Comments: Wick Building Systems has over 250 floor plans from; spacious two, three, or
four-bedroom designs featuring stylish kitchen/dining room combinations and open concept
living areas. Wick does allow customers to change things around and their designers will be
glad to alter any plan to fit your needs. The company falls into the, “Premium Category.”
The cost of a Wick Home on average is $45 to $65 per square foot. Wick homes have a
residential appeal and the company is targeting mid-range to upper-end buyers. Overall,
Wick homes are a good choice and with some structural upgrades you will have a very nice
home.
49
Chapter 3
Rating Parameters
This is not a model specific comparison where we focus on individual brands or series of
homes and put forth our recommendations. Instead I wanted to rate manufactured home
companies based on overall performance in the areas of; residential appeal, quality of
construction, customer’s satisfaction and resale value. Many considering a manufactured
home are overwhelmed with all the choices being offered today. This rating guide will help
you learn who’s who in the industry and how companies compare to one another.
I believe understanding how manufacturers compare to each other is the first step in
deciding which model or brand to purchase. Below is a SAMPLE RATING CHART. This is a
wonderful tool allowing homebuyers to quickly determine where each manufacturer rates
within each classification, as explained on the following page.
Sample Rating Chart
50
(R) = Ranking: The first category at top of the chart is (R). Each manufacturer will be
placed according to total points received within each classification. Regarding class please
see description below.
(Class) = Classification: The second category is called, Class. This category is broken up
into three separate parts:
(P)
(AA)
(E)
Premium
Above Average
Economy
Most homebuyers have a budget or set amount they are willing to pay for a home based on
perceived value. A homebuyer will typically fall into one of the three categories listed above.
Whether you’re an upper-end, mid-range or an entry-level buyer this guide will help you
focus on producers that meet your expectations and comfort level.
In the sample rating chart on the previous page, Company A is number one in the Premium
category. Company B and C are also in the number one position based on their
classification. It would not be fair to compare Company A to Company C because both are
appealing to different types of homebuyers with construction differences and prices.
(P) = Premium: Denotes that the home is well-constructed with a high standard of
craftsmanship, utilizing quality materials. This type of home is priced accordingly and is
considered top of the line or the best of the best. Manufacturers that fall into the premium
category are appealing to upper-end buyers with quality and style being the most
important.
(AA) = Above Average: Denotes that the home is well-built, using quality materials, at a
price below premium or custom homes. Manufacturers that fall into the above average
category are appealing to mid-range buyers, price and quality both playing an important
role.
(E) = Economy: Denotes that the home is satisfactory regarding construction features with
standard to below standard material being used. This type of home appeals to those on a
tight budget. Manufacturers that fall into the economy category are appealing to entrylevel buyers, price being the biggest factor.
Manufacturer: This is the particular producer that builds homes.
Location = The fourth category lists where the manufacturer is located. In the case of a
large corporation, like Champion Homes for example, location is where the main corporate
office is located. The company’s manufacturing facilities may be located in other states.
(SC) = Strongest Category: The fifth category called, Strongest Category, refers to the
company’s strongest focus. For example, this could mean the company distributed homes
primarily to single-family homebuyers, this being their strongest category. Some producers
primarily focus on commercial building projects. This only serves as a quick reference point
and helps homebuyers understand each producer’s main focus in the housing industry.
Price Range: The sixth category listed in the sample rating chart is called Price Range. In
this category I try to give my readers a quick overview of how much homes cost on
average. A manufacturer may offer a wide range of floor plans, styles and designs to choose
51
from. This category only serves as a quick reference and homebuyers should contact the
manufacturer or their dealer network to secure accurate pricing for a particular model or
brand.
Categories 7, 8, 9 and 10 of the rating chart comprise the ratings for each manufacturer.
While there are many different approaches or criteria I could use to rate each company, I
decided to focus on:
(RA)
(C)
(CS)
(RV)
Residential appeal
Construction
Customer satisfaction
Resale value
Within each category a manufacturer receives a rating based on our research and data
collected. Each criteria; RA, C, CS and RV has a possible 25 points, a 100 being a perfect
score.
(RA) = Residential Appeal: The industry has made some amazing progress in recent
years. Today manufactured home builders have incorporated many residential features in
their homes. We look at the overall look of each manufacturer and place a rating on
appearance.
(C) = Construction: Most, if not all, homebuyers are concerned with the quality of
construction in the home they are considering. This is an important factor in the overall
rating of each manufacturer.
(CS) = Customer Satisfaction: We spoke with many home owners and listened to what
they had to say. Their experience and insight was especially helpful regarding the area of
customer satisfaction. We have spent hundreds of hours speaking with different individuals
both in and outside of the industry. We have read numerous books and articles pertaining to
the industry as well. We have also read a number of studies that have been conducted by
universities and other nonprofit organizations, which have been helpful.
(RV) = Resale Value: Many homebuyers we spoke with were concerned about Resale
Value. There are many variables that can affect the resale value or how well your home
appreciates over time. Obviously, a quality built home will appreciate in value at a much
quicker pace compared to a poorly built home. Residential appeal or street appeal plays an
important role, as does the area or neighborhood. Based on this information we tried to
accurately rate each manufacturer regarding resale value. This is subjective of course but
we feel our ratings are fair and balanced.
Total Points: All four categories, 7, 8, 9 and 10 are totaled to determine ranking and
position within each classification, (100 points being a perfect score).
52
Chapter 4
West Region – Manufactured Ratings
California, Colorado, Idaho, Montana, Nevada, Oregon, Utah,
Washington & Wyoming
The following pages of this chapter will feature a rating chart showing
all of the manufacturers we have researched in the West Region of the
United States. Please remember that we have not researched every
manufacturer and it is our hope to include more manufacturers in future
publications. To learn more about how we arrived at our ratings, please
review chapter 3 of this book. It is our hope that the information
contained in this chapter will help you make informed decisions
regarding factory built housing with fair and balanced information that
has been complied over a number of years.
R
Class
Manufacturer
Location
1
P
Magnolia Homes
Inc
Fuqua Homes
Nebraska
2
P
3
P
Washington
P
Valley Quality
Homes
Fuqua Homes
4
5
P
Silvercrest Homes
California
6
P
Wisconsin
7
P
Wick Building
Systems
Superior Homes
8
P
9
P
10
P
11
P
12
P
13
P
Laurel Creek
Homes
BonnaVilla
Homes
Homebuilders
Northwest
Hallmark
Southwest Corp
Palm Harbor
Homes
Patriot Homes Inc
14
P
Karsten Company
Missouri
Oregon
South
Dakota
Arizona
Nebraska
Oregon
California
Texas
Indiana
California
Strongest
Category
80%
Manufactured
90% HUD-Code
Homes
90% HUD-Code
Homes
80% HUD-Code
Homes
90% HUD-Code
Homes
70%
Manufactured
60%
Manufactured
100% HUDCode Homes
80%
Manufactured
100% HUDCode Homes
100% HUDCode Homes
80% HUD-Code
Homes
75% HUD-Code
Homes
75% HUD-Code
Homes
53
Price
RA
C
CS
RV
Total
60K 180K
60K 250K
50K 150K
45K 250K
65K 200K
35K 175K
60K 150K
25K 125K
50K 125K
45K 150K
75K 150K
50K 250K
40K 150K
50K 190K
25
25
25
24.5
99.5
25
24.5
24.5
24.5
98.5
25
25
24
23.5
97.5
24.5
24.5
24
23.5
96.5
24.5
24
24
23.5
96
24
24
24
23.5
95.5
24
23.5
24
22.5
94
23.5
23.5
23.5
22
92.5
23
23
24
20
90
23.5
23
22
20
88.5
23
23
22
20
88
23
22
22
20.5
87.5
22.5
22.5
22
20
87
22.5
22.5
21
20
86
1
AA
Liberty Homes
Indiana
2
AA
Tennessee
3
AA
4
AA
5
AA
Schult/Marlette
Homes Inc
Skyline
Corporation
Chariot Eagle Inc
(S.W)
Chariot Eagle Inc
6
AA
Nashua Homes
Idaho
7
AA
Cavco Industries
Arizona
8
AA
9
AA
Canada
(BC)
Tennessee
10
AA
11
AA
12
AA
13
AA
14
AA
15
AA
Moduline
International
Golden West
Homes
Commander
Homes
Champion
Enterprises
Four Seasons
Housing
Kit Homebuilders
West
Hart Housing
Group
Redman
(Champion)
1
E
California
2
E
Fleetwood
Enterprises
Clayton Homes
3
E
Indiana
4
E
5
E
Redman Homes
of Indiana
Highland
Manufacturing
Oakwood Homes
6
E
Alabama
7
E
Southern Energy
Homes
Silver Creek
Homes Inc
Indiana
Arizona
Florida
Indiana
Michigan
Indiana
Idaho
Indiana
Indiana
Tennessee
Minnesota
Tennessee
Texas
50% HUD-Code
Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
75%
Manufactured
75% HUD-Code
Homes
95% HUD-Code
Homes
90% HUD-Code
Homes
80%
Manufactured
100% HUDCode Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
100% HUDCode Homes
100% HUDCode Homes
60%
Manufactured
70% HUDCode Homes
45K 150K
40K 135K
25K 150K
75K 150K
75K 150K
45K 150K
50K 175K
60K 150K
60K 150K
40K 125K
35K 150K
35K 125K
40K 150K
40K 125K
30K 100K
22.5
22
21.5
19.5
85.5
22.5
22
21
19.5
85
22
22
21.5
19
84.5
22
22
20.5
19
83.5
22
21
20.5
19
82.5
21
22
20
19
82
21
21
20.5
19
81.5
21
22
20.3
18
81.3
20
21
20
20
81
20.3
22
20
18
80.3
20
20
20
19.8
79.8
20
20
19
20
79
19
19.8
20
20
78.8
20
18
20
19
77
19
19.8
19
19
76.8
90% HUD-Code
Homes
80% HUD-Code
Homes
70% HUDCode Homes
60% HUD-Code
Homes
50% HUD-Code
Homes
90% HUD-Code
Homes
100% HUDCode Homes
20K 135K
30K 100K
30K 90K
55K 125K
25K 125K
35K 135K
40K 90K
18.5
17
18
17.5
71
18
17
18
17.5
70.5
17.5
16
16.5
16.5
66.5
17
16
16.5
16.5
66
17
16
16
16.5
65.5
17
15.5
16
16.5
65
16.5
15
15
15.5
62
54
Chapter 5
Southwest Region – Manufactured Ratings
Arizona, New Mexico, Oklahoma & Texas
The following pages of this chapter will feature a rating chart
showing all of the manufacturers we have researched in the
Southwest Region of the United States. Please remember that
we have not researched every manufacturer and it is our hope to
include more manufacturers in future publications. To learn more
about how we arrived at our ratings, please review chapter 3 of
this book. It is our hope that the information contained in this
chapter will help you make informed decisions regarding factory
built housing with fair and balanced information that has been
complied over a number of years.
R
Class
Manufacturer
Location
1
P
Fuqua Homes
Missouri
2
P
California
3
P
4
P
5
P
6
P
7
P
8
P
9
P
Silvercrest
Homes
Laurel Creek
Homes
Oak Creek
Homes
BonnaVilla
Homes
Hallmark
Southwest Corp
Palm Harbor
Homes
Patriot Homes
Inc
Karsten
Company
1
AA
Liberty Homes
Indiana
2
AA
Tennessee
3
AA
4
AA
Schult/Marlette
Homes Inc
Skyline
Corporation
Fairmont Homes
5
AA
Arizona
6
AA
7
AA
Chariot Eagle
Inc (S.W)
Chariot Eagle
Inc
Cavco Industries
Arizona
Texas
Nebraska
California
Texas
Indiana
California
Indiana
Indiana
Florida
Arizona
Strongest
Category
90% HUD-Code
Homes
90% HUD-Code
Homes
100% HUDCode Homes
75% HUD-Code
Homes
80%
Manufactured
100% HUDCode Homes
80% HUD-Code
Homes
75% HUD-Code
Homes
75% HUD-Code
Homes
Price
Range
60K 250K
65K 200K
25K 125K
25K 135K
50K 125K
75K 150K
50K 250K
40K 150K
50K 190K
50% HUD-Code
Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
50% HUD-Code
Homes
75%
Manufactured
75% HUD-Code
Homes
90% HUD-Code
Homes
45K 150K
40K 135K
25K 150K
20K 150K
75K 150K
75K 150K
50K 175K
55
RA
C
CS
RV
Total
25
24.5
24.5
24.5
98.5
24.5
24
24
23.5
96
23.5
23.5
23.5
22
92.5
23.5
23.5
23.5
21
91.5
23
23
24
20
90
23
23
22
20
88
23
22
22
20.5
87.5
22.5
22.5
22
20
87
22.5
22.5
21
20
86
22.5
22
21.5
19.5
85.5
22.5
22
21
19.5
85
22
22
21.5
19
84.5
22
22
21
19
84
22
22
20.5
19
83.5
22
21
20.5
19
82.5
21
21
20.5
19
81.5
8
AA
Moduline
International
Golden West
Homes
Franklin Homes
Inc
Champion
Enterprises
Four Seasons
Housing
Solitaire Homes
Inc
Redman
(Champion)
Deer Valley
Homes
Canada
(BC)
Tennessee
9
AA
10
AA
11
AA
12
AA
13
AA
14
AA
15
AA
1
E
Fleetwood
Enterprises
Clayton Homes
California
2
E
3
E
Alabama
E
Sunshine
Homes Inc
Waverlee
Homes
Cavalier Homes
4
E
5
6
E
Dutch Housing
Indiana
7
E
Tennessee
8
E
9
E
Oakwood
Homes
Southern Energy
Homes
Titan Homes
10
E
Alabama
11
E
Advantage
Homes
Indies Homes
12
E
Texas
13
E
14
E
Silver Creek
Homes Inc
River Birch
Homes Inc
Cappaert
Homes
Alabama
Michigan
Indiana
Oklahoma
Indiana
Alabama
Tennessee
Alabama
Alabama
Alabama
Alabama
Alabama
Alabama
Mississippi
80%
Manufactured
100% HUDCode Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
100% HUDCode Homes
100% HUDCode Homes
70% HUD- Code
Homes
100% HUDCode Homes
60K 150K
60K 150K
40K 180K
35K 150K
35K 125K
30K 125K
30K 100K
60K 135K
21
22
20.3
18
81.3
20
21
20
20
81
20
21.8
20
19
80.8
20
20
20
19.8
79.8
20
20
19
20
79
20
19
20
19
78
19
19.8
19
19
76.8
19
19
19
19
76
90% HUD-Code
Homes
80% HUD-Code
Homes
90% HUD-Code
Homes
95% HUD-Code
Homes
95% HUD-Code
Homes
80% HUD-Code
Homes
50% HUD-Code
Homes
90% HUD-Code
Homes
100% HUDCode Homes
100% HUDCode Homes
95% HUD-Code
Homes
100% HUDCode Homes
100% HUDCode Homes
100% HUDCode Homes
20K 135K
30K 100K
33K 125K
55K 85K
30K 145K
40K 100K
25K 125K
35K 135K
30K 75K
45K 125K
40K 100K
40K 90K
40K 80K
20K 60K
18.5
17
18
17.5
71
18
17
18
17.5
70.5
18
17
17.5
17
69.5
18
17
17
17
69
17.5
17
17
17
68.5
17.5
16.5
16.5
17
67.5
17
16
16
16.5
65.5
17
15.5
16
16.5
65
17
15.5
16
16
64.5
17
15.5
16
15.5
64
16.5
15.5
15.5
15.5
63
16.5
15
15
15.5
62
16.5
15
15
14.5
61
16
15
15
14
60
56
Chapter 6
Midwest Region – Manufactured Ratings
Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota,
Ohio, South Dakota & Wisconsin
The following pages of this chapter will feature a rating chart
showing all of the manufacturers we have researched in the
Midwest Region of the United States. Please remember that we
have not researched every manufacturer and it is our hope to
include more manufacturers in future publications. To learn more
about how we arrived at our ratings, please review chapter 3 of
this book. It is our hope that the information contained in this
chapter will help you make informed decisions regarding factory
built housing with fair and balanced information that has been
complied over a number of years.
R
Class
Manufacturer
Location
P
New Era Building
Pennsylvania
Strongest
Category
80% Manufactured
Price
Range
100K 300K
60K - 180K
RA
C
CS
RV
Total
1
25
25
25
25
100
2
P
Nebraska
80% Manufactured
3
P
Indiana
4
P
Magnolia Homes
Inc
Hi-Tech Housing
Inc
Fuqua Homes
25
25
25
24.5
99.5
80K - 200K
25
25
24.5
24.5
99
60K - 250K
25
24.5
24.5
24.5
98.5
25K - 300K
24.5
24.5
24
24
97
Wisconsin
65% HUD-Code
Homes
90% HUD-Code
Homes
70% HUD-Code
Homes
70% Manufactured
5
P
Shamrock Homes
Indiana
6
P
7
P
Wick Building
Systems
Superior Homes
35K - 175K
24
24
24
23.5
95.5
South Dakota
60% Manufactured
60K - 150K
24
23.5
24
22.5
94
8
P
Laurel Creek
Homes
Commodore
Corporation
BonnaVilla Homes
Arizona
100% HUD-Code
Homes
50% HUD-Code
Homes
80% Manufactured
25K - 125K
23.5
23.5
23.5
22
92.5
9
P
50K - 200K
23.5
23.5
23.5
21.5
92
10
P
50K - 125K
23
23
24
20
90
11
P
Palm Harbor
Homes
Patriot Homes Inc
Texas
50K - 250K
23
22
22
20.5
87.5
40K - 150K
22.5
22.5
22
20
87
Homark Company
Inc
Karsten Company
Minnesota
80% HUD-Code
Homes
75% HUD-Code
Homes
55% HUD-Code
Homes
75% HUD-Code
Homes
12
P
13
P
50K - 125K
23
22.5
21
20
86.5
14
P
50K - 190K
22.5
22.5
21
20
86
1
AA
Liberty Homes
Indiana
45K - 150K
22.5
22
21.5
19.5
85.5
AA
Schult/Marlette
Tennessee
50% HUD-Code
Homes
60% HUD-Code
2
40K - 135K
22.5
22
21
19.5
85
Missouri
Indiana
Nebraska
Indiana
California
57
Homes Inc
3
AA
4
AA
5
AA
6
AA
7
AA
8
AA
9
AA
10
AA
11
AA
12
AA
13
AA
14
AA
15
AA
1
E
2
E
3
E
4
Homes
Skyline
Corporation
Fairmont Homes
Indiana
Castle Homes of
PA
Franklin Homes
Inc
Commander
Homes
Champion Home
Builders
Champion
Enterprises
Four Seasons
Housing
Solitaire Homes
Inc
Hart Housing
Group
Redman
(Champion)
Deer Valley
Homes
Holly Park Homes
Pennsylvania
Fleetwood
Enterprises
Clayton Homes
California
Alabama
E
Sunshine Homes
Inc
Waverlee Homes
5
E
Cavalier Homes
Alabama
6
E
Ohio
7
E
Manufactured
Housing
Dutch Housing
8
E
Fortune Homes
Indiana
9
E
Indiana
10
E
11
E
Redman Homes
of Indiana
Highland
Manufacturing
Oakwood Homes
12
E
Alabama
13
E
Southern Energy
Homes
Titan Homes
14
E
Advantage Homes
Alabama
15
E
Indies Homes
Alabama
Indiana
Alabama
Indiana
Pennsylvania
Michigan
Indiana
Oklahoma
Indiana
Indiana
Alabama
Indiana
Tennessee
Alabama
Indiana
Minnesota
Tennessee
Alabama
80% HUD-Code
Homes
50% HUD-Code
Homes
60% Manufactured
25K - 150K
22
22
21.5
19
84.5
20K - 150K
22
22
21
19
84
45K - 150K
22
22
20
19
83
60% HUD-Code
Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
60% Manufactured
40K - 180K
20
21.8
20
19
80.8
40K - 125K
20.3
22
20
18
80.3
25K - 100K
20
20
20
20
80
35K - 150K
20
20
20
19.8
79.8
35K - 125K
20
20
19
20
79
30K - 125K
20
19
20
19
78
40K - 125K
20
18
20
19
77
70% HUD- Code
Homes
100% HUD-Code
Homes
65% HUD-Code
Homes
30K - 100K
19
19.8
19
19
76.8
60K - 135K
19
19
19
19
76
25K - 100K
19
19
19
18.5
75.5
90% HUD-Code
Homes
80% HUD-Code
Homes
90% HUD-Code
Homes
95% HUD-Code
Homes
95% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
70% HUD- Code
Homes
60% HUD-Code
Homes
50% HUD-Code
Homes
90% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
95% HUD-Code
Homes
20K - 135K
18.5
17
18
17.5
71
30K - 100K
18
17
18
17.5
70.5
33K - 125K
18
17
17.5
17
69.5
55K - 85K
18
17
17
17
69
30K - 145K
17.5
17
17
17
68.5
20K - 85K
17.5
16.5
17
17
68
40K - 100K
17.5
16.5
16.5
17
67.5
40K - 100K
17.5
16.5
16.5
16.5
67
30K - 90K
17.5
16
16.5
16.5
66.5
55K - 125K
17
16
16.5
16.5
66
25K - 125K
17
16
16
16.5
65.5
35K - 135K
17
15.5
16
16.5
65
30K - 75K
17
15.5
16
16
64.5
45K - 125K
17
15.5
16
15.5
64
40K - 100K
16.5
15.5
15.5
15.5
63
58
16
E
Texas
E
Silver Creek
Homes Inc
River Birch
Homes Inc
Giles Industries
17
E
18
19
E
Cappaert Homes
Mississippi
Alabama
Tennessee
100% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
59
40K - 90K
16.5
15
15
15.5
62
40K - 80K
16.5
15
15
14.5
61
20K - 60K
16
15
15
14.5
60.5
20K - 60K
16
15
15
14
60
Chapter 7
Southeast Region – Manufactured Ratings
Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South
Carolina, Tennessee, Virginia, West Virginia
The following pages of this chapter will feature a rating chart
showing all of the manufacturers we have researched in the
Southeast Region of the United States. Please remember that
we have not researched every manufacturer and it is our hope
to include more manufacturers in future publications. To learn
more about how we arrived at our ratings, please review
chapter 3 of this book. It is our hope that the information
contained in this chapter will help you make informed decisions
regarding factory built housing with fair and balanced
information that has been complied over a number of years.
R
Class
Manufacturer
Location
P
New Era Building
Pennsylvania
Strongest
Category
80% Manufactured
1
2
P
Nebraska
80% Manufactured
3
P
Indiana
4
P
Magnolia Homes
Inc
Hi-Tech Housing
Inc
Fuqua Homes
5
P
Indiana
6
P
7
P
Commodore
Corporation
Oak Creek
Homes
Jacobsen Homes
8
P
Pennsylvania
9
P
10
P
Pine Grove
Homes
Palm Harbor
Homes
Patriot Homes Inc
65% HUD-Code
Homes
90% HUD-Code
Homes
50% HUD-Code
Homes
75% HUD-Code
Homes
95% HUD-Code
Homes
100% HUD-Code
Homes
80% HUD-Code
Homes
75% HUD-Code
Homes
1
AA
Liberty Homes
Indiana
2
AA
Tennessee
3
AA
4
AA
Schult/Marlette
Homes Inc
Skyline
Corporation
Fairmont Homes
5
AA
Castle Homes of
PA
Pennsylvania
Missouri
Texas
Florida
Texas
Indiana
Indiana
Indiana
50% HUD-Code
Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
50% HUD-Code
Homes
60% Manufactured
60
Price
Range
100K 300K
60K 180K
80K 200K
60K 250K
50K 200K
25K 135K
65K 200K
45K 150K
50K 250K
40K 150K
45K 150K
40K 135K
25K 150K
20K 150K
45K 150K
RA
C
CS
RV
Total
25
25
25
25
100
25
25
25
24.5
99.5
25
25
24.5
24.5
99
25
24.5
24.5
24.5
98.5
23.5
23.5
23.5
21.5
92
23.5
23.5
23.5
21
91.5
23
23
23.5
20
89.5
23
23.7
21
21
88.7
23
22
22
20.5
87.5
22.5
22.5
22
20
87
22.5
22
21.5
19.5
85.5
22.5
22
21
19.5
85
22
22
21.5
19
84.5
22
22
21
19
84
22
22
20
19
83
6
AA
Chariot Eagle Inc
Florida
7
AA
Alabama
8
AA
9
AA
10
AA
11
AA
12
AA
Franklin Homes
Inc
Horton Industries
Inc
Commander
Homes
Champion Home
Builders
Champion
Enterprises
Homes of Merit
13
AA
Indiana
14
AA
15
AA
Four Seasons
Housing
Solitaire Homes
Inc
Adrian Homes
Georgia
75% HUD-Code
Homes
60% HUD-Code
Homes
75% HUD-Code
Homes
60% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
90% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
70% Manufactured
16
AA
Indiana
60% Manufactured
17
AA
Indiana
18
AA
19
AA
Hart Housing
Group
Redman
(Champion)
Deer Valley
Homes
Holly Park Homes
70% HUD- Code
Homes
100% HUD-Code
Homes
65% HUD-Code
Homes
1
E
California
2
E
Fleetwood
Enterprises
Clayton Homes
3
E
Destiny Industries
Georgia
4
E
Alabama
5
E
Sunshine Homes
Inc
Waverlee Homes
6
E
Cavalier Homes
Alabama
7
E
Ohio
8
E
Manufactured
Housing
Dutch Housing
9
E
Fortune Homes
Indiana
10
E
Indiana
11
E
Redman Homes
of Indiana
Oakwood Homes
12
E
Alabama
13
E
Southern Energy
Homes
Titan Homes
14
E
Advantage
Homes
Alabama
Georgia
Indiana
Pennsylvania
Michigan
Florida
Oklahoma
Alabama
Indiana
Tennessee
Alabama
Indiana
Tennessee
Alabama
90% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
90% HUD-Code
Homes
95% HUD-Code
Homes
95% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
80% HUD-Code
Homes
70% HUD- Code
Homes
50% HUD-Code
Homes
90% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
61
75K 150K
40K 180K
20K 100K
40K 125K
25K 100K
35K 150K
30K 100K
35K 125K
30K 125K
50K 100K
40K 125K
30K 100K
60K 135K
25K 100K
22
21
20.5
19
82.5
20
21.8
20
19
80.8
21
21
20.5
18
80.5
20.3
22
20
18
80.3
20
20
20
20
80
20
20
20
19.8
79.8
20
20.5
20
19
79.5
20
20
19
20
79
20
19
20
19
78
20
19.5
20
18
77.5
20
18
20
19
77
19
19.8
19
19
76.8
19
19
19
19
76
19
19
19
18.5
75.5
20K 135K
30K 100K
20K 130K
33K 125K
55K - 85K
18.5
17
18
17.5
71
18
17
18
17.5
70.5
18
17
18
17
70
18
17
17.5
17
69.5
18
17
17
17
69
30K 145K
20K - 85K
17.5
17
17
17
68.5
17.5
16.5
17
17
68
40K 100K
40K 100K
30K - 90K
17.5
16.5
16.5
17
67.5
17.5
16.5
16.5
16.5
67
17.5
16
16.5
16.5
66.5
25K 125K
35K 135K
30K - 75K
17
16
16
16.5
65.5
17
15.5
16
16.5
65
17
15.5
16
16
64.5
45K 125K
17
15.5
16
15.5
64
15
E
General MFG
Housing
Indies Homes
Georgia
16
E
17
E
Georgia
E
Scotbilt Homes
Inc
Silver Creek
Homes Inc
Nobility Homes
Inc
River Birch
Homes Inc
Giles Industries
18
E
19
E
20
E
21
22
E
Cappaert Homes
Mississippi
Alabama
Texas
Florida
Alabama
Tennessee
Factory Closed in
2007
95% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
100% HUD-Code
Homes
62
25K - 90K
17
15.5
15.5
15.5
63.5
40K 100K
35K - 80K
16.5
15.5
15.5
15.5
63
16.5
15
15.5
15.5
62.5
40K - 90K
16.5
15
15
15.5
62
25K - 100
16.5
15
15
15
61.5
40K - 80K
16.5
15
15
14.5
61
20K - 60K
16
15
15
14.5
60.5
20K - 60K
16
15
15
14
60
Chapter 8
Northeast Region – Manufactured Ratings
Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire,
New Jersey, New York, Pennsylvania, Rhode Island, Vermont
The following pages of this chapter will feature a rating chart showing all
of the manufacturers we have researched in the Northeast Region of
the United States. Please remember that we have not researched every
manufacturer and it is our hope to include more manufacturers in future
publications. To learn more about how we arrived at our ratings, please
review chapter 3 of this book. It is our hope that the information
contained in this chapter will help you make informed decisions
regarding factory built housing with fair and balanced information that
has been complied over a number of years.
R
Class
Manufacturer
Location
Strongest
Category
Price
Range
RA
C
CS
RV
Total
1
P
New Era Building
Pennsylvania
80% Manufactured
100K 300K
25
25
25
25
100
2
P
Hi-Tech Housing
Inc
Indiana
65% HUD-Code
Homes
80K 200K
25
25
24.5
24.5
99
3
P
Shamrock Homes
Indiana
70% HUD-Code
Homes
25K 300K
24.5
24.5
24
24
97
4
P
Burlington Homes
Maine
50% HUD-Code
Homes
50K 100K
24
23.5
24
23
94.5
5
P
Commodore
Corporation
Indiana
50% HUD-Code
Homes
50K 200K
23.5
23.5
23.5
21.5
92
6
P
Pine Grove Homes
Pennsylvania
100% HUD-Code
Homes
45K 150K
23
23.7
21
21
88.7
7
P
Palm Harbor
Homes
Texas
80% HUD-Code
Homes
50K 250K
23
22
22
20.5
87.5
8
P
Patriot Homes Inc
Indiana
75% HUD-Code
Homes
40K 150K
22.5
22.5
22
20
87
1
AA
Liberty Homes
Indiana
50% HUD-Code
Homes
45K 150K
22.5
22
21.5
19.5
85.5
2
AA
Schult/Marlette
Homes
Tennessee
60% HUD-Code
Homes
40K 135K
22.5
22
21
19.5
85
3
AA
Skyline Corporation
Indiana
80% HUD-Code
Homes
25K 150K
22
22
21.5
19
84.5
4
AA
Fairmont Homes
Indiana
50% HUD-Code
Homes
20K 150K
22
22
21
19
84
5
AA
Castle Homes of
PA
Pennsylvania
60% Manufactured
45K 150K
22
22
20
19
83
63
6
AA
Champion Home
Builders
Pennsylvania
80% HUD-Code
Homes
25K 100K
20
20
20
20
80
7
AA
Champion
Enterprises
Michigan
80% HUD-Code
Homes
35K 150K
20
20
20
19.8
79.8
8
AA
Four Seasons
Housing
Indiana
100% HUD-Code
Homes
35K 125K
20
20
19
20
79
9
AA
Hart Housing
Group
Indiana
60% Manufactured
40K 125K
20
18
20
19
77
10
AA
Redman
(Champion)
Indiana
70% HUD- Code
Homes
30K 100K
19
19.8
19
19
76.8
11
AA
Titan Homes
New York
70% HUD- Code
Homes
35K 100K
19
19
19
18
75
1
E
Fleetwood
Enterprises
California
90% HUD-Code
Homes
20K 135K
18.5
17
18
17.5
71
2
E
Clayton Homes
Tennessee
80% HUD-Code
Homes
30K 100K
18
17
18
17.5
70.5
3
E
Manufactured
Housing
Ohio
80% HUD-Code
Homes
20K 85K
17.5
16.5
17
17
68
4
E
Dutch Housing
Indiana
80% HUD-Code
Homes
40K 100K
17.5
16.5
16.5
17
67.5
5
E
Fortune Homes
Indiana
80% HUD-Code
Homes
40K 100K
17.5
16.5
16.5
16.5
67
6
E
Oakwood Homes
Tennessee
50% HUD-Code
Homes
25K 125K
17
16
16
16.5
65.5
7
E
Giles Industries
Tennessee
100% HUD-Code
Homes
20K 60K
16
15
15
14.5
60.5
64
Supplemental Housing Offers
Published and distributed by Manufactured Homes Network
3660 Nicklaus Drive, Clarkston, WA 99403
Phone: (888) 770-2830 Fax: (866) 401-1084
Email: [email protected]
Website: www.manufacturedhomesnetwork.com
Copyright © 2002, 2003, 2004, 2005, 2006, 2007, 2008 & 2009 by Manufactured Homes
Network
All rights reserved. No part of this publication may be reproduced in any form without
written permission from Manufactured Homes Network. Although every precaution has been
taken in the preparation of this book, the publisher and author assume no responsibility for
errors and omissions. The author and publisher disclaim any liability, loss or risk, personal
or otherwise, which is incurred as a consequence, directly or indirectly, of the use and
application of any of the contents of this book.
65
Chapter 1
Construction Techniques & Methods
When shopping for a manufactured home, the majority of homebuyers are pre-occupied
with floor plans, colors, furniture decorations or the big screen T.V., not structural integrity.
Now, a floor plan is important but would you purchase a manufactured home for the floor
plan and compromise the structural integrity? Don’t be fooled by appearances and miss
what really matters; “structural integrity.” This manufactured home resource will point
out the differences between a poorly constructed manufactured home and a quality built
one.
While conducting our research, we found that over 85% of homebuyers were concerned
with the structural integrity of manufactured homes. While we believe most manufactured
homes are over engineered in order to be transported to site, we wanted to address this
concern. We have produced a construction chart that helps homebuyers understand the
different structural components that make a well-built home.
After extensive research and comparing hundreds of different manufactured home
manufacturers and their specifications in North America, we have compiled a construction
chart. The chart below has three separate categories, poor, average and premium. The
construction chart by no means covers every aspect of the construction process but does hit
on the main structural components of a manufactured home.
CONSTRUCTION SPECIFICATIONS
f sss
Poor
Average
Premium
2" x 6" floor joist 16”
o.c.
2” x 8” or 2" x 10" floor
joist 16” o.c.
2” x 12” or better - floor
joist 16” o.c.
3”/8” to 1”/2” T&G or
OSB floor decking
1”/2" to 5”/8” T&G or
OSB floor decking
3”/8” or better T&G or
OSB floor decking
Floors nailed only
Floors screwed only
Floors screwed and
glued
EXTERIOR WALLS
96" Height
2" x 4" studs @ 16" or
24” o.c.
2" x 6" studs @ 24" o.c. 2" x 6" studs @ 16" o.c.
Walls less than 96” is
considered entry-level
housing
1” x 4” single bottom &
top plate
2” x 6” single bottom &
top plate
2” x 6” single bottom &
double top plate
R-19 fiberglass batt
insulation
R-23 fiberglass batt
insulation
R-23 or greater
fiberglass batt
insulation
None
3”/8” to 7/16" OSB
sheathing
1/2" or better OSB
sheathing
FLOOR SYSTEM
house wrap air inflation house wrap air inflation
barrier
barrier
66
3/8 gypsum or
sheetrock
1/2 gypsum or
sheetrock
1/2 or 5/8 gypsum or
sheetrock
INTERIOR WALLS 96"
2" x 3" studs @ 16" o.c. 2" x 4" studs @ 16" o.c. 2" x 4" studs @ 16" o.c.
Height
single top and bottom
plate
single top and bottom
plate
single top and bottom
plate
3/8" gypsum wallboard 1/2" gypsum wallboard 1/2" gypsum wallboard
CEILING
3/8" fire code gypsum
or sheetrock
1/2" fire code gypsum
or sheetrock
5/8" fire code gypsum
or sheetrock
CEILING JOIST
2" x 3" joist @ 16” or
24" o.c.
2" x 4" joist @ 24" o.c.
2" x 6" or 2” x 8” joist @
24" o.c.
ROOF SYSTEM
Engineered roof trusses Engineered roof trusses Engineered roof trusses
ROOFING
SIDING
WINDOWS
3/12" pitch, 24" o.c.
4/12 to 5/12" pitch, 24" 6/12" or steeper pitch,
o.c.
24" o.c.
8" eave overhang
12" eave overhang
24" eave overhang
3" x 8” OSB sheathing
7/16" OSB sheathing
1” x 2”" OSB sheathing
R-19 insulation
R-28 or less insulation
R-38 or greater
insulation
25 yr shingles
30 yr architect
dimension design over
15 lb. underlay
40 yr high definition
shingles over 15 lb.
underlay
No ice shield
1st 60" up eave to be
ice shield
1st 72" up eave to be
ice shield
None
ridge/soffit vent, drip
edge to match fascia
material
ridge/soffit vent, drip
edge to match fascia
material
60 MPH wind rating
with 20lb. snow load
80 MPH wind rating
with 30 lb. snow load
90 MPH wind rating
with 40 lb. snow load or
greater
Vinyl, wood, brick or
vinyl or wood siding 15 vinyl or wood siding 20
rock siding 30 year
year warranty
year warranty
warranty or better
aluminum windows
none
vinyl windows
residential size
vinyl or wood windows
residential size
meets egress code,
insulated Low-E glass
meets egress code,
insulated Low-E glass
trimmed inside w/jamb
& casing to match int.
trim
trimmed inside w/jamb
& casing to match int.
trim
67
INTERIOR TRIM
particle board veneer
finish
solid wood painted
base, casing jambs
solid wood with quality
stain base, casing &
jambs
INTERIOR FINISH
walls & ceiling taped,
mudded, sanded,
textured
walls & ceiling taped,
mudded, sanded,
textured
walls & ceiling taped,
mudded, sanded,
textured
painted white
(knockdown finish)
painted white
(knockdown finish)
Custom paint colors
smooth wall
none
wall corners are round
wall corners are round
Particle board veneer
finish
particle board frames
with solid wood door
fronts
Custom cabinets solid
wood frames and fronts
CABINETRY
square veneer
roll out trays in most
recessed panel in med. base cabinets
roll out trays in most
base cabinets with
metal hardware
lazy Susan’s in most
kitchens
lazy Susan’s in most
kitchens
vanity cabinets with
drawers in most
bathrooms
vanity cabinets with
drawers in most
bathrooms
crown molding on top of
wall cabinets
tile, granite, marble or
slate (custom)
COUNTERTOP
plastic laminate tops
plastic laminates or tile
FIXTURES Kitchen
SS double bowl sink 6" deep; faucet with
sprayer
porcelain or granite
porcelain dbl bowl sinkdeposit dbl bowl sink-8"
8" deep, faucet
to 10” deep, faucet
w/sprayer
w/sprayer-nickel
BATHROOM
Range hood ductless
microwave range hood
dishwasher
dishwasher, garbage
disposal
particle board veneer
finish
particle board frames
with solid wood door
fronts
Custom cabinets solid
wood frames and fronts
plastic laminate tops
plastic laminates or tile
tile, marble or slate
(custom)
fiberglass two- piece
tub/shower w/door
fiberglass 1 piece
tub/shower w/door
fiberglass 1 piece
tub/shower w/door
72” or longer garden
60” garden and soaking
and soaking tubs per
tubs per plan
plan
68
none
paper and towel holder paper and towel holder
in each bath
in each bath
CARPETS
25 ounces of yarn per
sq. yard or less carpets
30 ounces of yarn per
sq. yard - carpets
over 35 ounces of yarn
per sq. yard - carpets
LIGHT FIXTURES
white fixtures provided
in each room
optional finishes for
interior lights for all
rooms
optional finishes for
interior lights for all
rooms
optional
exterior porch light
exterior porch light
fluorescent light in
kitchen
can lighting
can or recessed lighting
optional
optional
wire & brace for ceiling
fans in bedrooms, DR &
nook
ELECTRICAL
100 amp panel with
200 amp panel with
200 amp panel with
breakers, GFI per code breakers, GFI per code breakers, GFI per code
copper wiring minimum copper wiring minimum copper wiring minimum
14/15 WG
12/20 WG
12/20 WG
doorbell option
doorbell at front entry;
smoke detectors per
code
doorbell at front entry;
smoke detectors per
code
wire for electric range; wire for electric range; wire for electric range;
wire for dryer if on main wire for dryer if on main wire for dryer if on main
floor
floor
floor
2 each - cable & phone 5 or more - cable &
jacks
phone jacks
PLUMBING
plastic or PVC lines
plumb for washer if on
main floor
copper water lines type copper water lines type
M; PVC drain, vent &
M; PVC drain, vent &
waste
waste
shut-off option for all
fixtures
shutoffs at all fixtures
plumb for washer if on
main floor
plumb for washer if on
main floor
A quality manufactured home will always have 2”x6” exterior studs, 16” O.C. (on center),
with a triple-header or solid header above all exterior windows and doors. This is a big clue
when shopping for a manufactured home.
When you go shopping ask your dealer which type of header is used in their homes. This
will answer two important questions. First, is your dealer knowledgeable about the product
he or she is selling? Second, is the home you’re looking at built well?
69
Double-Header Design
Triple-Header Design
Window
Window
Both designs are good but the triple-header or solid header is the best
If you like a particular model and the headers above the windows or doors are doubleheaders, ask if you can upgrade to a triple-header or a solid header. The cost associated
with this type of upgrade is minimal and should be considered. Some manufacturers in
milder climates only use 2”x4” lumber for exterior walls. We recommend upgrading to 2”x6”
lumber for exterior walls.
By choosing 2”x6” exterior walls, you are adding an
extra 35% to the overall structural integrity of your
home. That’s a big number and it really does make a
difference. The other reason 2”x6” exterior walls are
important is that they will allow you to increase the
insulation factor. Now, you may be asking yourself why
you would do that, especially if you live in Florida,
Texas or Arizona. The answer is simple: more insulation
means better R-factors, which means lower cooling
costs in the summer months.
Another big clue to look for when shopping for a
manufactured home is if the home comes standard with
½" sheetrock or gypsum board. (Gypsum board and
sheetrock all refer to the same product. In the
Northwest we call it sheetrock and on the East Coast
they refer to it as gypsum board.) Don't settle for 3/8"
thick sheetrock, this is a poor substitute and damages
easily. Half-inch sheetrock on the walls is standard and 5/8" on the ceiling is recommended.
Suggestion: Your local power company may offer incentives or rebates regarding insulation
packages. Ask your dealer about available energy saving programs. By choosing an optional
energy package you will save an average of 25% or more- something to consider.
70
Take a factory tour
We would recommend visiting a manufactured home
factory to see first-hand how they construct each
home. Ask your dealer if factory tours are available in
your area. When taking a tour, look to see what type
of headers are over the windows and doors, (solid or
triple headers preferably). How does the factory
fasten the floor down? Do they use screws, nails and
glue? What type of floor product are they using? You
can learn a tremendous amount when visiting a
factory.
This publication only touches the tip of the iceberg
regarding structural integrity issues. The construction chart at the beginning of this resource
should help you understand your options and what to look for when trying to select a
particular home.
71
Chapter 2
How to Choose a Reputable Dealer
When shopping for a manufactured home
you will probably be referred to a dealer.
All new HUD-code manufactured homes
must be purchased through a licensed
dealer as dictated by the Federal
Government.
Dealer: When we use the term dealer, we
are referring to a licensed company that
has been approved by a manufactured
home producer to sell and install their
homes. Dealers will typically be responsible
for all or most of your site improvements,
permits and other aspects of the building
process. When you select a dealer you are usually hiring a number of people: the dealer’s
crew and the dealer’s subcontractors.. They will help manage your building project and
schedule subcontractors at appropriate times. Some homeowners may want to act as the
owner-builder. This allows the homebuyer to manage his or her building project. In doing so
the homebuyer takes on more responsibility and risk. One advantage in buying a
manufactured home is the home owner can perform their own site-improvements, thus
saving themselves money.
Suggestion: When dealing with a dealer, do your homework and check out references. We
have spoken with many manufactured home buyers and many don’t seem to take this task
seriously. It seems that homebuyers fall in love with their dealer and forget to check out
their company. If we had to pick the most important phase in the buying process it would
be this one. While all phases are important this one will make or break most buyers.
Talk with local lenders or the building department
If you decide to shop local lenders for a home loan, don’t forget to ask
your loan officer which dealers they would recommend. We have found
that many loan officers are in the know when it comes to dealers. Ask
them which companies, in their opinion, provide the best product and
customer service. Another good source for finding an honest opinion is
your local “Building Department.” They typically will provide you with
helpful information about dealers and subcontractors in your area.
In most states, your local building department will do an inspection of your home after it
has been installed. If this is the case, find out the inspector’s name and try to get a phone
number. We suggest contacting your local inspector and ask which manufactured home
dealers he or she would recommend. We have found that most inspectors are very helpful if
you contact them, and in most cases they do have their favorites. If you can get this inside
information you’ll have a huge advantage when selecting a dealer.
72
Family-owned companies have some benefits
Many companies are family-owned and operated. My research team and I have found that
when the owner or owners are present and actively involved in the daily operations of the
business – it’s a good sign. If I were dealing with a family-owned company I would want to
meet the owner or owners and introduce myself. This way if I do experience any problems
along the way I could go to the owner/owners in hopes of resolving any problems.
Do they belong to the Chamber of Commerce?
Another clue when shopping for a dealer is to find out if they belong to the local Chamber of
Commerce. Companies that belong to organizations like the Chamber of Commerce usually
have a good reputation for servicing their customers. Typically, they will do all they can to
keep their reputation from becoming tarnished within the community. Companies that don’t
have a good reputation and their customer service is average to poor at best usually don’t
belong to their local Chamber of Commerce.
Buying factory-direct (Manufactured Homes)
Can I purchase a manufactured home factory-direct? The answer is NO. You can only buy
through a licensed dealer in the United States, it is the federal law. But with modular homes
(off-frame), or UBC homes, panelized homes or log homes you can buy direct.
Asking for references - it does make a difference
Asking for references is very important and we would recommend calling three or four
previous customers before you select a company. We would ask questions like; how were
you treated overall? Did the dealer do everything they promised? Did you experience any
major problems that are still unresolved? Would you recommend this dealer? If you don’t do
anything else do this one thing. This one suggestion has helped tens of thousands of
homebuyers over the years to select the right dealer.
Use the Internet to research a company
There are a number of good websites that provide excellent information when trying to
determine if your dealer is honest and above board. Below are some good sites worth
checking out:
1. Better Business Bureau at www.bbb.org is a great resource for finding information
about a dealer.
2. Check to see if there are any judgments, lawsuits, bankruptcies or liens against a
company. This information can be easily checked by using a company called
KnowX.com at, http://www.knowx.com/. There may be a fee associated with
requesting information. Click on the link, “Background Check” and type in the
company of interest. The fees are around $9.95 to $24.95. If you have any doubts
about a particular company this is money well spent in my opinion.
73
3. Another excellent source of information is, “Homeowners Against Deficient
Dwellings” (HADD) at, http://www.hadd.com. Their web site contains useful
information including a list of dealers that have had legal actions against them.
The hard-sell verses the soft-sell approach
When selecting a dealer a good clue to watch for is - what type of sales
approach is being used? Typically a, “Hard-Sell” approach will try to
manipulate you into making a decision quickly without much information.
Your dealer may ask for a deposit before you’re convinced this is the right
home. The hard-sell approach is generally used when the product for sale is
of poor quality, thus the reason for the manipulation. If you come into
contact with this type of approach, politely tell your dealer you’re not going
to make a decision today.
The, “Soft-Sell” approach is generally used when the product for sale is of better quality. A
professional dealer will not try to manipulate you, but will earn your trust and respect by
telling you everything you need to know in order to earn your business. The sad part is
most homebuyers know when they are being manipulated but continue with the sale only to
be disappointed later on. A professional company that has your best interest at heart will
provide you with all the information you need to make the right decisions.
What do manufactured home factories look for in a dealer?
The manufactured housing industry is constantly on the lookout for new dealers to sell and
install their homes. Below are some of the qualities that many manufactured home
producers look for in a dealer:
•
Financial stability and a strong reputation in their building community. The first two
years for any business is usually the hardest and a dealer must have the financial
resources to carry his company through these difficult times. You will need to weigh
the pros and cons of using an inexperienced dealer. They may have many years of
construction experience but are just starting out in the manufactured home industry.
Make sure you get references of their work so you know what you are getting into. (I
personally would not choose a dealer with no construction experience what so ever
that is just getting started because of the risk factor involved.)
•
Exclusive product design - Some manufacturers want dealers to only offer their
product in exchange for extensive training, support programs and technical help. A
dealer who only represents one manufacturer generally has fast and reliable service.
The downside is this dealer may be limited to design styles and floor plans. Many
dealers in the industry do carry more than one product line. If you find a dealer that
only offers one product line and the style and floor plans are what you’re looking for,
that is an added bonus.
•
Capital investment - Many manufacturers encourage dealers to invest in model
homes. The prevailing reality in the industry is that dealers can’t sell from the back
of a pickup truck anymore and be effective. The investment in a model home can
74
vary from $100,000 to more than $2,000,000 for multiple models depending on your
market and any model program discounts offered by the manufacturer. While many
manufacturers encourage this type of approach, which requires some serious capital,
only a few dealers adopt this method of selling. I personally would rather deal with a
dealer who went to the expense of establishing a sales center or dealership. It tells
consumers that they are going to be there awhile because of their investment in the
dealership. Please keep in mind that many dealers don’t operate this way but I
personally would like to see more dealerships and sales centers become the norm in
the industry.
•
Customer appeal - Manufacturers are looking for a dealer who makes the process of
purchasing a home easy and comfortable. Any dealer that uses high-pressure sales
tactics to get you to sign on the dotted line should be avoided. This method of selling
is usually used when the product for sale is of poor quality or problems exist with
service. If this happens to you find the nearest exit and run.
•
Warranty - Look at the warranty offered by the dealer. Many states require dealers
to warranty their work for at least one year. Many dealers that provide quality
service will typically warranty their work for 1 to 3 years and in some cases longer.
Asking the right questions
On the following page is a chart called, “Selecting A Builder” If you
utilize this chart it will eliminate many of the problems associated
with choosing a dealer. This chart will help you stay focused and ask
the right questions. Don’t take the position that you are a good judge
of character and that this will never happen to you. I receive
hundreds of emails a year from homebuyers who are frustrated with
their builder or dealer. As I talk with people and go down the list of
questions on the chart, it’s inevitable that the person missed many of
the steps when choosing a dealer. If you follow these steps outlined in the following pages
you will increase your odds of selecting the right company.
In the first category, I recommend contacting the Better Business Bureau and requesting a
free report about the company in question. If the report is negative or there are a number
of claims against the company then you would enter zero in that space. Obviously you may
want to stop right there and continue your search for another company. Be sure to use
some common sense when filling out the chart. If, for example, the company you’re
considering has only one complaint in the last five years, I would not hold that against them
and would enter 50 points in the space. The objective is to ask the right questions before
you enter into an agreement. This will help eliminate potential problems in the future. Your
goal is to be above 350 points. If you fall below this number I would recommend looking for
another builder or dealer.
75
If you utilize this chart it will eliminate many of the problems associated with choosing a
dealer. This chart will help you stay focused and ask the right questions.
76
Published and distributed by Manufactured Homes Network
3660 Nicklaus Drive, Clarkston, WA 99403
Phone: (888) 770-2830 Fax: (866) 401-1084
Email: [email protected]
Website: www.manufacturedhomesnetwork.com/
Manufactured Homes Network is a consumer based company that offers rating guides for,
manufactured homes and manufactured homes in North America. We remain committed to
our readers by offering unbiased information about the factory built housing industry. We
have NO hidden agendas. We receive NO commissions or advertising kickbacks. We have
not accepted any payments to promote one company over another. We can assure you that
all of the information contained in this guide is based on independent research and
countless interviews and is from an objective point of view.
Copyright © 2008, 2009 & 2009 by Manufactured Homes Network
All rights reserved. No part of this publication may be reproduced in any form without
written permission from Manufactured Homes Network. Although every precaution has been
taken in the preparation of this book, the publisher and author assume no responsibility for
errors and omissions. The author and publisher disclaim any liability, loss or risk, personal
or otherwise, which is incurred as a consequence, directly or indirectly, of the use and
application of any of the contents of this book.
Cover design: Greg Ryan
77
Chapter 1
Understanding your Lending Options
Manufactured homes are the most affordable
homes on the market today and they come in
many sizes and shapes. New manufactured
homes come with carpets, window blinds,
appliances and even a dishwasher/dryer in
some cases. For many, the main attraction to
owning a manufactured home is the cost
savings compared to traditional building
methods.
This type of housing is especially attractive
for retirees or first-time home buyers, the
main selling point being, “affordability”. But
if you’re not careful you could end up
spending more than you bargained for.
Based
on
our
research
here
at
Manufactured
Homes
Network,
www.manufacturedhomesnetwork.com we estimate that the average home buyer spends
5% to 15% too much for their new manufactured home. On an $80,000 home purchase
that could add up to $12,000. That is money that could have been used for landscaping,
upgrading the appliances or adding a double-car garage.
As with all major purchases, you have to research your options and ask the right questions
to make wise decisions. This takes time and many buyers don’t have the patience or the
time. The good news is: you took the time to purchase this consumer guide and hopefully
you will put our tips and suggestions to good use, which could save thousands of dollars.
If you are planning on financing your home you need to
know your options before you start looking. We know you
want to go right out and start shopping for a home - you
may have already viewed some homes at a dealership or,
maybe have selected a particular floor plan or model. We
realize the urge to shop till you drop is so in-grained in our
society, but knowing your financing options is the first
step to securing the best deal possible. If you’re a cash
buyer you can skip this section.
Understanding what you can afford
When considering financing, remember that the monthly loan payment for the home itself is
not the only financial commitment you must make. You may be responsible for annual
property taxes, utilities and insurance. If a variable rate is presented to you, avoid this at all
cost. It’s just a scam to get you into the home cheap and when it expires you could be in a
78
tight spot. Currently interest rates are very low so settle on a fixed rate and avoid the
hassle of refinancing later on.
Chart A, below, will help you determine the monthly mortgage payments, including
insurance and property taxes, that you can afford. For example, if you have a $4,000
monthly gross income, you may be able to afford a $1,120 payment ($4,000 x .28).
Lenders assume that 15% of the monthly amount you can afford will cover taxes and
insurance.
Chart B, below, will help you determine what your total monthly debt can be, in addition to
the mortgage, in order to be qualified by a lender. Lenders want to be sure you can meet all
of your regular monthly debts, so they use a second criterion: the 36% formula. For
example, if you have a $4,000 monthly gross income, your total regular monthly debt
(including a mortgage payment) should not exceed $1,440 ($4,000 x .36). Note: If you
have high outstanding debts, such as auto loans or credit card balances, it may be more
difficult to qualify for a mortgage.
Most lenders will require a down payment between 5% and 20% of the total value of your
building project. For example; if your building project (land/home) is projected to be
$125,000, your lender may require a 10% down payment. This means you will need a
minimum of $12,500 to put down.
This website offers different mortgage calculator tools at http://www.erate.com/calc.htm.
Select, “How Much Do I Qualify For”, fill in the required fields and the form will show you
what you can afford based on your income.
Know your credit score
Knowing your credit score does play an important role. The higher
your credit score; the lower your interest rate will be. A common
rule of thumb is a credit score over 700 will qualify for most
mortgages. A credit score over 750 is considered excellent and
should qualify for the lowest interest rate available.
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There are many companies online that provide a service where you can access your credit
report for FREE! Remember knowledge is power, become informed and take control. If you
don’t know your credit score, find out. It’s easy. Here are a few companies online you can
use to check your credit score.
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http://www.freecreditreport.com/
https://www.annualcreditreport.com/
http://www.creditreport.com/
http://www.myfreecreditscore.com/
Start with local lenders in your area
The best advice my research team and I can give you is - spend some time talking with
local lenders before you head out the door to look at manufactured homes. Many local
banks and credit unions have not been hit as hard by the financial melt-down on Wall
Street. You may find their lending practices to be more favorable compared to large
corporate banks.
We recommend contacting at least three different lenders. Be sure to ask, “Does your bank
specialize in factory-built home loans?” You may need to qualify this by stating which type
of factory-built home you’re considering. It is easier to secure financing for a HUD-code
manufactured home being placed on a permanent foundation compared to leased property
or a mobile home park. Find a lender you feel comfortable with, one who listens to you and
offers practical alternatives for your particular situation.
Knowing the amount you qualify for and interest rate before you start shopping will give you
a big advantage when negotiating with your dealer later on. Suggestion: when choosing a
lender, ask your loan officer about their closing costs up front. Typically, closing costs are
between 3% and 6% of your total loan amount. We know of some lenders that charge 10%
or more. This is another way for a lender to build their profit margins. So, be on the lookout
for this maneuver and try to stay within 5% or less. Sometimes you can negotiate with the
lender when it comes to certain closing costs, especially if there is another lender you’re
considering and both seem to be offering the same rates. It doesn’t hurt to ask.
The Internet can be a good source for securing a loan
The Internet can also be a good source also for obtaining a good loan package. Below is a
list of lenders that specialize in manufactured home loans. Suggestion: don’t go online and
fill out five different loan applications; this will hurt your credit score. Every time you apply
for a loan it can lower your credit score by about two points. Now, two points is not a big
deal but if you have your credit checked five or seven times by various lenders this may
work against you. So, be selective before you start submitting your credit application to
various lenders. Manufactured Homes Network is not affiliated with any lenders and the list
below is not a complete list:
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http://www.mhloans.com/
http://www.financialservicesunlimited.com/
https://www.21stmortgage.com/
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http://www.psloan.com/
http://www.chattelmortgage.net/
https://www.mountainsidefinancial.com/
http://www.mhloanpro.com/
http://www.homeloanservicing.com/
http://mobilehomefinanceonline.com/
Be wary of financing terms offered by your dealer
Most people depend too much on their dealer. Once they
have gained your trust in finding you a home, you let your
guard down and accept the terms of financing without
shopping around. Most dealers have relationships with
lenders and can arrange financing for you but most will have
higher fees. Some dealers do a very good job in securing a
good loan package, but others do not. So, do your homework
and be informed. If your dealer can secure the best financing
for you, take advantage of it.
In A. M. Watkin’s book, “Manufactured Houses-Finding and Buying Your Dream Home for
Less,” he states, “No matter what kind of financing you seek, the importance of shopping
for a good loan at the lowest cost cannot be overstated. You will generally save by obtaining
your own loan direct from a lender, rather than financing the deal with your friendly mobilehome dealer who will be delighted to handle the details for you. It’s convenient, all right,
but it can also cost you extra money. After all, the dealer must do extra work, so why
shouldn’t he or she be paid extra?” Anytime there is a third parting involved it means you’re
going to pay more!
For example; suppose you have shopped around for the best loan package. You may have
focused on local lenders in your area or you may have used the Internet to secure a great
loan package. In either case let’s assume you have two quotes with similar interest rates.
You then go shopping for a home and find a model you like. Your dealer asks if they can
assist you with financing and you say, “Sure - why not”. You fill out a credit application and
your dealer submits it to their lending sources and comes back with an interest rate similar
to yours. This would indicate your dealer is being honest and up-front with you, a good sign.
But, on the other hand your dealer comes back with a much higher interest rate - you’re
probably dealing with a dishonest company.
Now, let’s take this a step further. Your working with a dealer you trust and they have a
similar rate compared to one you have secured before you started shopping. In this case
you could mention to your salesperson you have been approved for a similar rate and would
like to know if they can beat it. An honest dealer will try to, and in most cases they may be
able to match or beat your original quotes. Did you know that by lowering your interest rate
only 1% you could save $10,000 to $15,000 over the course of 30 years? By working with a
lender in advance, you will learn which loan packages are best for you. This is an important
step; one that is overlooked by many.
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Chapter 2
Financing a HUD-code manufactured home
When shopping for a loan, the interest rates may vary depending on how your
manufactured home is installed and placed on its foundation. A “Land/Home Package” with
a permanent foundation will qualify for the best mortgage rates. A HUD-code manufactured
home being placed on leased property will have a higher interest rate. This type of loan is
called a “Home-Only Loan.”
If you obtain an FHA, VA or USDA guaranteed loan, the interest rate can be less, with lower
down payment requirements or no down payment. Unfortunately, obtaining an FHA, VA or
USDA loan for a HUD-code manufactured home can be time consuming. Homes that are
custom ordered from a factory may not qualify for this type of loan. If you think you qualify
for these types of loans, check with your lender or dealer.
Real property
If you are purchasing a HUD-code home and placing it on private property this is considered
"Real Property," which qualifies for conventional financing. Many financial institutions today
don’t differentiate between a factory-built home built to state and local building codes
verses a stick-built home loan. Most lenders will finance site improvements like concrete
foundations, septic systems, utilities and landscaping.
Construction loan process
Understanding your mortgage options and how the construction loan process works will help
you avoid common mistakes that could be costly ones. Below are some great websites that
we often refer our clients to when searching for the right loan:
1. Some lenders or mortgage brokers will tell you the advantages of whatever mortgage
they are trying to squeeze you into, but rarely will they tell you the disadvantages.
HouseBuyingTips.com is a great source of information at,
http://www.housebuyingtips.com/.
2. Credit Grade Guide This guide was designed to help you assess your possible credit
rating and determine what type of terms you can expect from a lender. Please keep in
mind this is only a general guide, as some lenders place different grades based upon
their own method of evaluation. The address is http://mortgage-x.com/.
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Closing costs
Closing costs are an important part of any loan and trying to
figure out the different fees can be frustrating. Closing costs are
determined to be “reasonable and customary” but may differ from
lender to lender. Here is a partial list of what might be included in
your closing costs:
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The appraisal fee and any inspection fees
Actual cost of credit reports
Lender's origination fee
Deposit verification fees
Home inspection service fees
Cost of title examination and title insurance
Document preparation (by a third party not controlled by the lender)
Property survey
Attorney's fees
Recording fees, transfer stamps and taxes
Test and certification fees, water tests, etc.
Private mortgage insurance
For many, “Private Mortgage Insurance” (PMI) is a necessary evil when trying to secure a
loan. Now, everybody needs “Home Insurance,” which covers your home and valuables in
case of a fire or theft. But private mortgage insurance is tacked on to your loan payment if
you don’t meet the down payment requirements of the lender. You can qualify for financing
with as little as a 3% down payment. But with a small down payment the lender wants
some assurance if you default on your loan.
Private mortgage insurance pays the lender in the event you default on your loan. Private
mortgage insurance can really spoil things by forcing the payment beyond your reach. Most
lenders require a 20% down payment to avoid this insurance. Some lenders may only
require a 10% down payment without charging you PMI. The interest rate may be a little
higher with only 10% down but it still may be the best way to go if you can avoid paying for
this additional insurance. If you find yourself in this situation be sure to shop around for a
lender that does not require you to pay PMI.
Signing papers (closing or escrow)
Once you have loan approval, your lender or sales center will arrange for the signing of
papers called “Closing.” Closing can take place at an escrow company or the lending
institution. If your dealer is handling your loan the closing can take place at their location.
All documents will be presented for your final review and signature. Suggestion: take your
time to review all documents and be sure the interest rate, closing costs and fees are the
same as previously discussed with the lender or dealer.
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The funding process
The funding process begins once the home has been delivered to the customer’s site. In
some situations a lender will not release funds until the home has been installed. In most
states your dealer will notify the lender once the home has been delivered. At this point the
lender will usually go to the customer’s site and take a picture of the home. Once the lender
has determined the home is on the customer’s site, the lender authorizes the release of
funds to your dealer or dealer. This process can take up to thirty days before payment is
received from the lender. If a problem arises- for instance the manufacturer delivers the
wrong home or the home was severely damaged during delivery- the buyer can notify the
lender and halt the funding process. This protects the buyer and puts pressure on the dealer
to correct any problems before they can receive funds.
Paying cash
When you finance a home, as the buyer you have some protection if things
go wrong. But what if you’re paying cash? Paying cash has some benefits
but you may be vulnerable if you’re not careful. Here are a few suggestions
that will help protect you and your investment when paying cash. First, don’t
pay your dealer in full before the home has been delivered. Second, work out an agreement
in advance in regards to how funds will be collected. Finally, try to pay in three separate
stages; this way you’ll have some control over the delivery and installation process.
In the first stage, your dealer will probably require a down payment of 10% or 30% before
delivering the home to your site. The second stage of funding will take place after the home
has been delivered and inspected by the buyer. This payment will vary depending on the
agreement with your dealer. I would recommend holding back 10% to 20% of the
remaining balance at this point. The final stage of funding will take place after the home has
been installed and is ready to be occupied. After completing the walk-through with your
dealer and finding the home satisfactory, final payment should be released.
Some dealers don’t like the idea of customers holding money back
because homebuyers sometimes hold their dealer hostage. We don’t
live in a perfect world and it’s unrealistic to demand that everything
be perfect before final payment is made. The warranty process is
intended to correct any problems in a timely fashion and a reputable
dealer or dealer will work hard to ensure customer satisfaction. So,
when paying cash, work out a payment plan in advance. Follow the
three-phase payment plan as mentioned above and don’t sign on the
dotted line until you have a plan in place.
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Chapter 3
Appraised Value
I get a lot of questions about appraised values
on manufactured homes. Many are concerned
that HUD-code homes will not appreciate over
time. To answer this important question I am
including this chapter, which goes into detail
about how manufactured homes are appraised.
Before the lender approves a loan, it will
determine if your HUD-code home is worth the
price you are paying for it. The lender needs to
be confident that it can recoup its investment
should you default on your loan. If your home
is appraised at a value equal to or greater than
the total price you are paying, your lender will
conclude that the loan is backed by sufficient
collateral. (This applies to land/home packages only).
A licensed appraiser – one approved by the lender will compare your homes location, style,
size, upgrades or feature and property to other comparable HUD-code homes in your area.
An appraiser will not compare HUD-code (on-frame) homes to conventional homes in your
area. Only homes with a steel undercarriage supporting the floor system built to HUD
standards will be considered comparable.
An entry-level manufactured home with a steel undercarriage will not be compared to
traditional stick-built homes either. An appraiser will compare this type of home to other onframe manufactured homes or manufactured homes in your area. The appraised value will
be less in this situation compared to a true manufactured home that does not have a steel
undercarriage supporting the floor system.
Manufactured homes will appreciate in value but at a slower rate compared to other
residential homes. One way to improve the resale value is to place your home in a quality
neighborhood. Professional landscaping, double car garage and decks or patios will also
have a dramatic impact on appraised value in the future. A manufactured home with
residential appeal like; a 4/12 or 6/12 roof pitch and lap siding will also have an impact on
appraised value.
Bottom line is this – if your HUD-code manufactured home looks similar to other quality
homes in your neighborhood with nice landscaping and two-car garage you’ll be fine when
it’s time to sell. If you have dirt for a front yard, old tires on the roof and a pig out front,
don’t expect much for resale value.
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How to Negotiate the Best Price Possible
On average manufactured home dealers in the United States
operate within a 25% to 35% profit margin. In most cases
your dealer will be responsible for all or most of the site
improvements like: pouring your foundation, building a garage
and managing other sub-contractors.
New manufactured homes come with carpets, window blinds,
appliances and even a dishwasher/dryer in some cases. This is
especially attractive for retired couples or first time home
buyers just starting out. When dealing with a builder if the deal seems too good to be true
(no money down, low interest rate, "free" options) examine it very carefully, it probably is.
Shop around first: The only way to really know if you’re getting a good deal is to shop and
compare. If you don’t do this you will never know what a fair selling price is. Don’t fall in
love with a particular dealer. Get two or three quotes from reputable companies. Here is a
chart that shows the average cost per square foot, (including property & site
improvements).
Prices Are Per Square Foot Based On Region & Overall Construction
Poor
Construction
Six Different Regions in the U.S.
Average
Const.
Quality
Const.
Pacific Northwest: WA, OR, CA
$35 - $40
$40 - $55
$55 - $75
Rocky Mountain: MT, ID, WY, CO, UT, NV
$35 - $40
$40 - $55
$55 - $65
Southwest: TX, NM, OK, AZ
$30 - $35
$35 - $45
$45 - $60
Midwest: MO, IL, IN, OH, IA, WI, MN,ND, SD,NE, KS
$35 - $40
$40 - $50
$50 - $65
Southeast: WV, VA, KY, TN, NC, SC, AR, MS, LA, GA, FL
$30 - $35
$35 - $45
$45 - $60
Northeast: PA, NY, MA, CT, RT, NJ, MD,VT, DE, NH, ME
$35 - $40
$40 - $50
$50 - $65
Submitting an offer that achieves results
You have shopped around for a fair price and you estimate your dealer’s markup is around
25%. You feel the asking price is fair but you want to submit an offer to see if you can get
a better deal. When consulting with my clients I always recommend submitting an offer of
5% - 10% off a fair asking price. I recommend you schedule an appointment with your
dealer and let him or her know that you’re ready to go ahead with the transaction. Don’t try
to negotiate over the phone, do it in person.
After you have had a chance to review your order and options request a 10% discount and
sit back and allow your dealer to make the next move. Don’t say a word! Your dealer will
probably try to justify the selling price and why it’s a good deal. If your dealer comes back
with a realistic counteroffer and you feel they are meeting you halfway or better, I would
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probably move forward with the transaction. But if they don’t budge or they come back with
a miniscule counteroffer I would tell your dealer you need to go home and think about it,
(no salesperson likes to hear those words.)
Sometimes taking a couple of days to think about the transaction is healthy. Be patient if
this happens to you, go home and let your dealer fret about it for a couple of days. It does
require some willpower on the customer’s part. Remember you’ve got nothing to lose and if
you don’t ask, you won’t receive.
Usually your dealer will try to get you to come back to the bargaining
table. If their response is the same, then you know they are unwilling
to discount the home any further. At this point you have to make a
decision, go with the deal or continue to shop around. Assuming you
did your homework and are determined that the asking price was
fair and that you feel comfortable with your dealer, I would continue
with the transaction. By following this method outlined above you’ll
know without a doubt that there was no more wiggle room, now you
can proceed with confidence.
Take your time to read the details: Once you've settled on a selling price. Sit down with
your dealer and carefully review the contracts, making sure the numbers (home price,
options, transportation and etc.) are all listed. If they are not, don't be afraid to leave and
come back when the papers are in order. Be prepared to halt the transaction if you do not
agree with or understand everything.
Modular Homes Network
www.modularhomesnetwork.com
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