What are common problems, negatives about Pre-fabricated/manufauctu. home, otherwise know as a mobile homes?
Any advice or experience would be helpful. Here is a link to one of the manufactures we are considering
http://www.qwhomes.com/gallery.php.
Answer:
1. Mobile homes depreciate, rather than appreciate in value.
2. They can not be titled, as a traditional house can (depending on the state).
3. Electric bills tend to run higher, as the building materials don't create as much insulation.
4. Traditional financing can be a problem with some banks (i.e. land and home loan combined).
We also considered this option recently, but decided to build, as the costs really weren't that much more for what we got.
they're tornado magnets.
You can shoot a paintball through the walls.it's all drywall.
Plus they are usually infested by pests like roaches and white trash.
Because mobile homes usually have no or a small foundation, they are more prone to damage from wind, etc. Given that, your homeowners insurance will be higher.
Mobile homes do not play well with high winds. Don't plan on moving it into tornado alley and expect it to stay there when a tornado comes through.
You can get titles for them. I've never heard of a home, mobile or otherwise not having a title.
The newer ones are built very well and have just as much insulation as a normal home now.
They do not attract insets any more than any other home does, like any other you have to take preventive measures to guard against bug infestation.
Financing can be a problem because mobile homes do lose value, just like a car.
I've seen some beautiful mobile homes, lived in one for years and didn't have a problem with it. I still like houses though. Something about a house that just feels 'right' to me.
It's difficult to get financing for them, the re-sale value is rotten and they are not built for sturdiness.
Because of all the new layouts, such as 2 story homes, a lot of people are being drawn to these.and most regret buying them.
Go with a stick-built traditional home. You'll be happy you did.
Some of the financing laws have changed. In some cases, your financing may wrap the land into the loan. Not the payment part for the land, but if you default, the bank gets your land too.
There are some serious predatory lending practices that target mobile home buyers. Protect yourself by doing your research on the money part too.
If you intend this to be a temporary substitute for a home, you're probably okay. If you intend to purchase this mobile home and live in it more than 6 yrs, you should reconsider. Will you get a tax deduction as a home buyer? Cost of homeowner's insurance? Safety and security of neighborhood? Safety of dwelling in high wind storms, flash flooding, tornado (all common in AZ)?
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