Modular Home Companies Are Lying!

Some of the biggest manufactured modular home companies are lying about the product they are selling to you. For some time they have been pushing a product they are calling a "modular hybrid" There is plenty of issues with this including your home's appraisal, insurance, energy efficiency, and refinancing. In this video, I discuss exactly how you can interview these modular home companies to know what type of home you are actually buying and how you don't end up with a hybrid-modular.
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Kristina Smallhorn
PO BOX 1271
Prairieville LA 70769
#modularhomes #affordablehousing #KristinaSmallhorn

eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817
225-246-1812,Office [phone] ext# 149
Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License Number 0912122918
Disclaimer:

[ericmoore]

When I was ten, around 1981, :my parents built a house. My mom found a company with a huge catalog of houses where you ordered the house and all the walls came ready and all the supplies came with it but they and their friends built it. It's survived several hurricanes and is now valued at $500, 000.

[willn]

After watching this, I have come to the conclusion that it would be a lot simpler and cheaper just to live in a minivan. Car payments and insurance cost less than a mortgage/rent and utilities.

[trailerslumlord]

The easiest way to tell if it's a hybrid or (cross mod) look for the red colored HUD tag on each piece. It's located on the vinyl siding (riveted). A real modular home will have a sticker with the state seal (where it's being sold to) located inside the kitchen cabinets or at the breaker box or in the master bedroom closet. Never buy a mod stickered for another state. Will never pass inspection. We sell manufactured houses in Virginia, but we're close to TN and KY. So each modular has to be construction to that states requirements.

[tanafort]

You are a genius. I am a loan officer out here in So California who is genuinely interested in getting families in affordable homes out here in the wild west. I do know the difference in definition. I try to protect my clients. I am now a fan.

[TheBandit]

I picked up a manufactured home for cheap in 2009.
It was a repo that was never lived in. I had it set on a foundation so according to the county, it's a house.
It's a rental that has paid for itself already. It sits on it's own acre.

[ColeTurner-srmc]

I was a commercial drywall contractor and built my own house and saved a TON of money. Instead of cheap and weak, mine is built out of heavy Guage steel studs that don't warp and bugs can't eat.

[chadcrigger]

Purchased a manufactured home about 7 years ago and just paid cash for it. We love our home . The taxes are less and we made many upgrades. Not planning on selling and don't need to refinance as it is paid off . I probably wouldn't recommend them to everyone but it is exactly what we were looking for. Always do your homework before you purchase. Thanks for explaining some of these issues. I am sure it will definitely help people.

[Starfish]

The mortgage industry needs to catch up to all these new types of housing. Bottom line many Americans cannot afford a site built home.

[theodorejohnson]

I appreciate the re-enactment of what to expect from an agent trying to ease questions away from technical classification. Thanks Kristina, you're the RE friend everyone wishes they had in their corner

[acleus]

I really appreciate having someone out there looking out for those of us who will need to be looking into affordable housing options rather than catering a bunch of videos towards investment bros. Telling us "how you can make a million dollars by investigating in a $400, 000 home for poor people."

[AlfonsoPeake]

My wife and I were going to purchase a modular home but we couldn’t find any affordable land in the area we wanted to build it on. So we ended up buying a house, which turned out to be the right move for us.

[chutasan]

I built both for many years. Modular homes use the same materials as an on site built home does. Manufactured homes use cheap materials like 2x3 walls instead of 2x4 walls. 2x2 rafters vs 2x4 rafters. etc.

[BradPower]

She's got the "shady used car salesman" acting down 🤣

[kricketcooper]

We bought a manufactured home 20 years ago and put it on a foundation. Several years later we needed to refinance it but when they did the appraisal it was way off. We had a mortgage of $200, 000 including the over 3 acres of land. The appraisal came back as $100, 000. We ended up filing for bankruptcy less than a year later.

[fubarnow]

We have a Clayton Home, 1700 SF. It Was built in 2008 and has factory upgrades such as real wood cabinets and some drywall in the main parts of the house. We love our home and it doesn’t look like a “mobile home “ inside. We bought it with land, septic system, metal roof, the works. Financed for under 3%.

[richardordonez]

I went under a customer's newly installed modular to repair a drain leak. The drains from the fixtures was connected by the delivery driver. He also laid the sewer drain
. Nearly all his joints were leaking, wrong fittings used and not pitched properly.

[billwiley]

Biggest difference with a modular home is it does NOT use the frame it is transported on as part of its permanent support structure where a manufactured home is built on a metal chassis.
Another big difference is usually the roof on a modular home the rafters are hinged and the roof is fastened together in the center giving a normal steeper pitched roof while the manufactured home is built with the rafters and roof pitch fixed at the factory with a much less angle of pitch.

Also modular homes do have access to the attic area where aa manufactured home there is no attic access.
Also many modular homes have actual dormers with windows in the attic area.
You will not see actual real functional dormers on a manufactured home.

[JSZstudios]

All these corporate crooks need to be reigned in HARD

[johnh]

A dealer in Delaware that starts with Clay and ends with ton is doing land home packages and charging up to the low $300's for manufactured homes on a lot, usually a half acre... The people buying these homes are going to regret it in the future.

[judejoseph]

You are so right! I nearly bought a home from Oakcreek homes in Midland Tx that was in the manufactured homes catalog but the swore they could build it modular and the website point out homes that they will convert to modular. I didn’t feel right about it since my lender was unsure about specs as well. As I did more homework (and listened to you, Kristina) I realized it would be a bad investment.