Manufactured Housing (Cheyenne, Jackson, Rawlins: mortgage, loan, new house)

[mitchald]

My wife and I are moving to Rawlins in August. One of the options for a dwelling was to buy a manufactured home and put it on a lot.

Does anyone have experience with how well manufactured homes deal with the wind and cold in the Rawlins area or any other similar area in Wyoming?

thanks,
Mitch

[sunsprit]

We have several neighbors with manufactured homes in the SE Wyoming area.

The houses are built to the same UBC codes as stick built homes, and seem to do very well. They hold up as well in the storms and wind here as any stick built house I've seen.

The houses seem to do best on full basement foundations. You'd want to specify the maximum insulation in the roof and walls to deal with the cold/wind, and triple-pane windows if available.

The only new houses I've seen that are "tighter" are conventional brick faced structures.

[shadowwalker]

If it is one of those two or three piece homes. That fit together side by side. Make sure the people that install it on foundation. Put ALL the bolts in the holes along the top of the house, where it comes together. If not in a couple of years. After the warranty is gone, of course. You will have to have it done.
I speak from experience here. It is costly and could be prevented with the proper amount of bolts!!!
Some companies tell you that they install every other one. OR in my case every third one. That is a joke, you paid for every one. The natural give and take of the ground movement in the course of the years will work your house. And first the crack along the center of the ceiling appears. Then just gets wider and longer.

[tomromero]

Manufactured homes are great no doubt, but when you resell it, you will find most buyers will need larger down payment and/or the buyer will find it harder to find a mortgage company that will finance them. But that may be only in Cheyenne, where I live. Also you have two types of homes, red tag manufactured home and modular. Financing easier for the later.
Good luck.

[sunsprit]

Don't know where Mr. Romero is getting his information, but we have friends that are ... at this very minute ... getting a conv loan for $195,000 property which is exactly as you describe for Rawlins. A lot, utilities, and a 4 bed/2 & 1/2 bath UBC Code manufactured home, about 2,300 sq ft., on a full basement. 5% down payment.

I simply don't see any difficulty in financing a UBC code manufactured home in this area. I drove around Rawlins last week and saw there's a lot of manufactured housing in town.

[MHT]

Originally Posted by sunsprit

Don't know where Mr. Romero is getting his information, but we have friends that are ... at this very minute ... getting a conv loan for $195,000 property which is exactly as you describe for Rawlins. A lot, utilities, and a 4 bed/2 & 1/2 bath UBC Code manufactured home, about 2,300 sq ft., on a full basement. 5% down payment.

I simply don't see any difficulty in financing a UBC code manufactured home in this area. I drove around Rawlins last week and saw there's a lot of manufactured housing in town.

Sunsprit is correct. It can be more difficult to get financing on a "manufactured" home - not difficult at all on a "modular" home. Modulars are built to UBC code and are taxed as such. They are not meant to ever be moved. A manufactured home is not built to UBC code and are considered mobile - they can be moved. Even if put on a foundation.

[missyone]

I live outside of Alpine which is south of Jackson Hole. I have my first manufactured home and love it. It stands up to the wind and snow. They make them better than stick build. More insulation and a cement fountdation with crawspace.

[bigreez]

Originally Posted by tomromero

Manufactured homes are great no doubt, but when you resell it, you will find most buyers will need larger down payment and/or the buyer will find it harder to find a mortgage company that will finance them. But that may be only in Cheyenne, where I live. Also you have two types of homes, red tag manufactured home and modular. Financing easier for the later.
Good luck.

This is true I have pesonaly dealt with banks on them manufactured houses, and they dont hold up as well I lived in one in rock springs. Every thing is just cheep and we thought we were buying top of the line at the time, from plumbing to electrical and if you want to replace any thing it is specialty entry doors are shorter so they have to be cut water heaters are a special thing because they take there air in from the crawl spasce or the basement I wouldnt have annother one my self but they are waaaaay cheaper... there is a reason.