Manufactured home vs modular home

[Barbara]

Hi, my daughter is trying to refinance her home. The home was sold as a modular home and now the new mortgage company is questioning if it is a manufactured home or a modular home. How do you prove the home is a modular home or disprove it is a manufactured home? Are there places on the home to prove this?

[rmurray]

That question is asked here often.......

Manufactured homes will ALWAYS have a metal frame under the floor, HUD seal, and data plate...Mods sometimes have frames attached to the floor underside and all will have a STATE issued certification lable....

For detailed info on manufactured homes and pics of the labels and plates go here

http://www.ibts.org/faq_consumer.htm

Examples of modular state seals can be found here..BUT..Oklahoma is not listed...If that is where your daughters home is..Most states have similar labels

http://www.ibts.org/mod_home.htm

The person and agency responsible for the mod program in Oklahoma is

Construction & Property Division
John Morrison
4055212112
[email protected]


Problem she might have is some states allow Mods to have frames but banks most often treat them as manufactured homes.....I wish her luck....