There are lots of reasons why Legendary Homes is the leader in modular home and HUD Code home construction in Jackson, Michigan. But before that there are some points you need to know about modular home, HUD Code homes, how they are constructed and other considerations about them. You must understand these terms and processes to learn why Legendary Homes is an excellent choice for your housing plans later on.

Key Points To Identify the Leader in Modular Home and HUD Code Home Construction

Description of HUD Code

The HUD Code is an acronym for Housing and Urban Development code, set up to monitor and evaluates how manufactured homes are built by certified home builders. It is stated in the code that if you can prove to the Department of Housing and Urban Development that you can design, build a home that will perform to their regional standards for roof load, wind resistance, thermal efficiency, safety, and durability, then you can attach a label to it saying it meets the HUD Code. This code came as ‘The National Manufactured Housing Construction And Safety Standards Act of 1974’, and on June 15, 1976 became a federal law.

HUD Code is divided to two major parts. These parts mandates how you build the home, and how HUD makes it right, which are known as Manufactured Home Construction and Safety Standards (3280), and Manufactured Home Procedural and Enforcement Regulations (3282) respectively. The 3280 is the standards where the home must perform and conform with, while the second part states who is in charge in monitoring who’s roles to make sure it complies to the code.

It is not only the general contractors or the building officials to know and understand what are within the HUD Code. The public must also be educated properly on what is it and how it will affect home investments. People must not confuse this code to other building codes. To make sure you will know everything about HUD Code, visit portal.hud.gov and have a counseling session about manufactured or mobile homes.

Modular Home vs. HUD Code Home Construction

Though modular home and HUD code home are built in a factory, they exhibit a number of differences. HUD Code home is most commonly known as manufactured home today. It is built in accordance to the Manufactured Home Construction and Safety Standards or the Housing and Urban Development (HUD) Code, where it is required to be built on a permanent chassis. You will know that it is a manufactured home when you will see a red certification label on the exterior of each transportable section. Meanwhile in modular home construction, a modular home is done as site- built home or traditional home. That is why its construction and enforcement is following the rules and regulations stated in the national, state, and/or local building code. This type is becoming more popular because of its high quality performance, durability, customizable design, and energy efficient characteristics.

Insulated Precast Foundation of Modular Home vs. HUD Code Home

An excellent and high quality foundation makes a home sturdy and durable. In modular home construction, the permanent foundation can be a crawl space or a basement. Usually, insulated sandwich precast foundation or solid precast foundation are used in this type of prefab home. A slab foundation is not an option in modular home because plumbing system will be put underneath the floor. As for the HUD code home, special criteria for the type of insulation and foundation are needed. The minimum individual capability of footings, piers, and other load bearing devices for manufactured homes should be at least 4,000pounds. Customization of foundation designs must be done by a certified professional and must conform with the code. The guidelines for the insulation and foundation of HUD code home varies by region.

Financing of Modular Home and HUD Code Home

When it comes to financing, modular home construction and HUD Code home differs greatly. Banks will grant a construction-to-permanent loan for those who wanted to finance their modular home. There are two stages in this home financing. The first one is the construction loan, which is given while your home is being built. During this stage, interests are only paid. The second part is made after the completion of your modular home. Your construction loan will be converted to mortgage, where regular payments against the total loan amount are made.

As for HUD Code home, there are lost of financing options but the most common is the retail installment contract. The Federal Housing Administration, the Veterans Administration, and the Rural Housing Services under the US Department of Agriculture are offering government insured loans for manufactured homes. For your assistance you can refer to HUD’s Housing Counseling Clearing House to learn if you are eligible for the HUD Code home loan.

Above all these significant considerations about modular home and HUD code home, the public must be educated about the certified and most trusted home builders in different state, or region. Those who have been performing and following all kinds of building codes to ensure high quality and energy efficient homes for their clients are the ones you must go to. This is the main reason why they are the leader in their locality when talking about building strong, durable, energy efficient and superior quality prefab homes. And the best example is Legendary Homes, Inc., who has been building homes for 20 years in Clarklake, Michigan and the surrounding areas.

“With its superior quality, energy efficiency, strong and budget friendly modular homes, Legendary Homes is one of the trusted modular home builders around Clarklake and Jackson Michigan for over 20 years of experience now. Legendary Homes helps in site location, acquisition of permits, excavation, foundation (including Insulated Pre-Cast Foundations), landscaping, breeze ways and other services needed to complete your home. As a company that prioritizes its customers, Legendary Homes allows you to customize your home. And most importantly, we assist in home financing by working with the top lenders in Michigan.”

It’s amazing news to start building your dream home, right?  “We can make your dreams a reality!”