Friday, May 9, 2025

6 Mobile Home Security Systems for Every Budget

A security system is something that every homeowner hopes they’ll never need, but many want to have—just in case. Manufactured homes need security systems just as much as site-built homes do, and there are a variety of options available for outfitting your manufactured home with high-performance security.

These six mobile home security systems will help to keep your manufactured home safe and sound. Many include cutting-edge features such as smart home integration and mobile device apps, and each offers unique features and advantages that homeowners will appreciate.

Mobile Home Security Systems $100 and Under

1. Globe Electric Wi-Fi Smart Indoor Security Camera ($50.73)

Indoor security cameras are a key part of many homeowners’ security systems. These cameras continuously monitor a home for signs of trouble, and many of today’s models include the ability to monitor a home remotely using a mobile app.

Globe Electric’s smart security cameras are among the best bargains in manufactured home security. These indoor security cameras include many of the key features of more expensive security cameras, including Wi-Fi integration, an included app and compatibility with smart home assistants such as Google Home and Alexa.

2. Heath Zenith LED Outdoor Floodlight – Motion Sensor Activated ($54.37)

Security lights are among the most cost-effective security upgrades that a manufactured home owner can make. A simple motion sensor-activated light creates bright exterior light when activated, giving you an advantage in deterring potential intruders. Strategically placing two or three security lights can give a homeowner near-complete coverage of their home.

At just over $50 apiece, the Heath Zenith can be the perfect bargain for homeowners who need a cost-effective security solution. These rugged motion-activated polycarbonate lights can be mounted on walls or eaves and feature a 180-degree adjustable range.

Mobile Home Security Systems $100-$250

1. Kwikset SmartCode Electronic Deadbolt with Z-Wave Technology ($128.26)

The lock on your door is among the first lines of defense, and keyless code locks have many advantages—you’ll never lose your house key again, re-keying is a snap and sharing the code with friends or family is simple. Kwikset is known as a manufacturer of durable locks and security hardware, and its new line of SmartCode Electronic Deadbolts is setting a new standard for manufactured home door locks.

The SmartCode Electronic Deadbolt features Z-Wave technology, a cutting-edge wireless tech integration system that allows remote access and control through a compatible automation system. It can be installed in minutes without any complex wiring, fits standard doors with no need to re-drill screw holes and features a tough motorized deadbolt for trustworthy security.

2. Honeywell Home 1080p C2 Indoor Wi-Fi Security Camera ($158.85)

This high-tech security camera comes equipped with an ultra-HD lens that captures everything in 1080p quality. With its night vision-enabled design, the Honeywell C2 stays on alert with clear images at any time of day or night, and all video recorded can be stored in the cloud or on a MicroSD card. And it’s not limited to video, either. Homeowners can either listen or speak through the C2’s two-way audio.

The Honeywell C2 allows sophisticated mobile control of its systems through both Android and iOS and lets users create mobile alerts and monitor their home while they’re away. Users can also easily control settings to adjust alert zones and hone in on what matters.

Affiliate Link Below – MHVillage receives a small commission from the seller for purchases made through this link

Mobile Home Security Systems $250 and Up

1. Nest Secure Alarm System Starter Pack ($399.00)

This Nest security starter pack gives homeowners everything they need to get a Nest alarm system set up. You’ll find two Nest motion sensors and a Nest alarm system in this package, plus two Nest Tags, which allow residents to arm and disarm their Nest security system with a simple tap of a tag on a sensor.

The Nest system is packed with features, including sensors that detect open doors and windows, a Quiet Open mode for leaving early in the morning and the ability to light outdoor paths at night by using your motion sensors. A Dog Pass feature even lets small dogs pass without activating the alarm.

2. Nest Cam IQ Outdoor Security Camera ($349.00)

There’s no denying that Nest currently rules the roost when it comes to home security systems, and Nest owners who want to improve their outdoor security will find the Nest Cam IQ Outdoor Security Camera to be a great buy. This camera stays live 24/7 and records in 1080p, with an IP66 waterproof rating to protect against wet weather and the ability to recognize individual people and notify you who’s at the door.

Security is a must-have for any homeowner. Take a look at our mobile home security checklist to learn about other important security upgrades from MHVillage, the manufactured home experts.

Can You Get a USDA Loan for a Manufactured Home?

Legacy manufactured home and land — Photo courtesy of Legacy Housing.

Every year, the United States Department of Agriculture provides billions of dollars in loans that help people purchase their homes. These low-interest lending programs provide a path to homeownership for hundreds of thousands of people—and if you’re thinking about buying a manufactured home, you should know that you might be eligible for one of them.

If you live in a rural area and have been wondering how to get a loan for a mobile home, USDA manufactured housing loans might be exactly what you need. Let’s look at what these loans are, who qualifies for them and how a homebuyer can apply for one.

What Is a USDA Manufactured Home Loan?

USDA loans are low-interest and zero down payment loans that are intended to help people in rural parts of America afford quality housing. There are three major types of USDA manufactured housing loans:

Guaranteed Loans: Mortgages originated by a private lender and guaranteed by the USDA (much like FHA loans).
Direct Loans: Mortgages issued directly by the USDA for people who are currently without safe and sanitary housing and ineligible for other sources of financing.
Home Improvement Loans and Grants: Loans and grants that help people repair and improve existing housing.

Lexington Skyline Mobile Home Living Interior — A home by Lexington Skyline. Photo courtesy of Skyline Homes.

Both guaranteed loans and direct loans can be used to buy a manufactured home. (Unfortunately, manufactured homes don’t qualify for USDA home improvement loans.) Next, we’ll find out who’s eligible for these loans.

Am I Eligible for a USDA Loan?

You don’t have to be involved in any agricultural profession to get a USDA loan. However, there are some eligibility requirements, which vary by program.

Anyone thinking about applying for a USDA manufactured home loan should carefully read the eligibility requirements for the specific program they’re applying for. A quick summary of the requirements that these programs have in common includes:

The applicant must be a U.S. citizen or lawful permanent resident.
The applicant must live in an eligible rural area as determined by the USDA.
The applicant must have a household income below a certain threshold which varies by area.
The applicant must use the property as their primary residence and cannot use it to produce income.

The manufactured home you’re buying must also meet certain USDA requirements, including:

Must be at least 400 square feet and 12 feet wide (for a single wide mobile home) or 20 feet wide (for a double wide mobile home).
Must comply with the federal HUD code for manufactured home safety and quality. (All new manufactured homes meet this code.)
Must be located in a rural area (although some outer suburban areas may qualify).
Must be covered by a manufacturer’s warranty.

As with any loan, applicants with better credit will typically receive more favorable terms, but people with any credit score can and should apply. Homebuyers with lower credit may be able to use alternative references such as landlords.

The USDA Rural Development Loan Process

The application process for a USDA manufactured home loan begins with talking to a lender that issues USDA loans. To get started, check the USDA’s approved lenders database for lenders near you.
Once you’ve found a lender, they’ll guide you through the prequalification process for the specific loan you’re applying for. During prequalification, a loan agent will work with you to determine how much you may be eligible to borrow. If your prequalification is approved, you’ll move to a more intensive step called preapproval.
During preapproval, the lender will perform a hard credit inquiry and will ask to see forms such as W-2s and tax returns to determine your debt-to-income ratio. They’ll provide you with a contingent offer for how much you qualify for, and you can start house-hunting.
When you find a great manufactured home for sale, the USDA will send an appraiser to ensure that the home you’re buying meets their standards.
You’ll sign a purchase agreement, and your loan will move to the processing and underwriting stage. This can take longer with a USDA loan than with a traditional mortgage, as both the lender and the USDA must approve the loan, but buyers with a credit score above 640 can qualify for expedited underwriting.
You’ll sign the closing paperwork for your new manufactured home and begin construction.

Looking at your options for financing a manufactured home? MHVillage offers expert advice. Read up on the top mobile home financing companies, or explore the different types of mobile home financing available.

A Quick, Useful Guide to Mobile Home Plumbing

Buying a mobile home is, in many ways, different than your regular real estate purchase. One of the vital aspects to inspect is mobile home plumbing, as understanding this part of the home can help you save a lot of money. Furthermore, you will learn how to recognize the difference between the right mobile home and a bad investment.

The Basics of Mobile Home Plumbing

To be able to dive into little details of mobile home plumbing, it is crucial to understand the basics:

piping materials
location of the pipes
venting procedure
the most common plumbing issues in mobile homes

Piping materials

Most new mobile homes have PEX or CPVC tubing. These pipes are sturdy, and they even may last longer than copper pipes.

If you are buying a mobile home with this type of pipes, or the one that was re-piped, you will be just fine.

Location of the pipes

The main difference when talking about the pipes’ location in mobile homes is that they don’t come out of the walls like in apartments or houses. Instead, they are placed below the floor, which is a more practical layout in this case. A couple of words of caution when replacing or fixing the pipes:

Straight stop valves are more convenient to use
Think about how much space you need when placing a sink; pipes have to go up to connect to it

The venting procedure

Venting the pipes in a mobile home is usually done with the help of an under-the-sink air valve. While it may not look as appealing, it is a practical solution that takes the home’s design into account.

The most common plumbing issues in mobile homes

It is crucial to understand the problems you may encounter with plumbing in mobile homes. That is the only way to learn how to deal with them quickly and without any unexpected situations.

Low pressure

If an aerator in your sink is clogged, this may be the reason why the water pressure is low. Either cleaning or replacing the part should solve the issue quickly.

In case there is a clog in one of the pressures reducing valves, it may also cause low water pressure. Learn where all the valves are and how to unclog them.

Affiliate Link – MHVillage receives a small commission from the seller for purchases made through this link.

Slow drainage

Slow drainage in the bathroom is another issue caused by a clogged pipe, usually because of hair buildup. The best way to deal with this issue is to use a hand snake, a handy tool that goes directly inside the drain and pushes the clog through.

A leaking outside faucet — Leaks typically occur if there is a pipe separation, and faucets usually have an issue with the opening-closing valve.

Water backflows into the bathtub once flushed

This is another issue that happens because of a clog, this time in the drain line. The best way to solve this issue is to use a closet auger. It works just like the snake tool, but it is much more convenient for this problem.

Foul odors issue

In case of foul odors, it can be because of:

bad ventilation system
pipe separation

Locating the issue is the first step towards fixing it. Keep in mind that the easiest way to track pipe separation is to look for leaks.

Leaks

Leaks are not only an issue in mobile homes; they happen in every household. However, in our case, this usually occurs with the showerheads or the faucets. The best way to deal with both of these issues is to hire professional assistance.

The lack of clean-outs

If there is a sewer drain line stoppage, in 9 out of 10 cases, it is because there are no clean-outs installed. This is the case with mobile homes. The primary function of these types of valves is to fix this issue without too much hassle. With that in mind, if this happens to you, do not flush or use water anywhere. Close all the valves and call the plumber immediately.

How much does it cost to fix plumbing issues in a mobile home?

Replumbing an entire mobile home is somewhere between $1,500 and $4,000. Here is where you can see an additional benefit of using quality plastic pipes. For example, the price for PEX per linear foot ranges from $0.40 to $0.50. This is a fantastic price if we consider that new copper pipes cost around $3 to $8.

A water stream coming out of a water pipe — To have proper water flow in your mobile home, it is crucial to perform regular maintenance.

Key takeaways

This short but useful guide should provide you with enough information to understand how mobile home plumbing works. As you can see, many issues may happen, but there are also effective ways to fix them. Mobile homes hold great value on the market, and whether you want to buy or sell, or even rent one, professional mobile home dealers will gladly assist you!

Article contributed by Sophia Perry

5 Delightful Cottage Style Mobile Homes

When you think of a cottage, do you picture a quaint, thatched-roof home in the English countryside? That’s certainly how the name originated. Tenant farmers of the British Isles, known in the old days as cotters, lived in small and simple dwellings called cottages.

Today, however, a cottage style mobile home is much more than that. Cottage style mobile homes are charming and elegant dwellings that share any number of a certain set of “cottage” features, such as:

Pitched roof
Small porch
Large windows
Warm and cozy atmosphere

If you’re dreaming of a cottage style mobile home to nestle down in, these five homes are available on MHVillage right now. Each uses one or more elements of cottage style design to make you feel right at home.

1. Redman Homes Creekside Manor 6622L

2 Bed, 2 Bath
888 sq. ft.

With an oversized front window and a traditional covered porch, the Redman Homes Creekside Manor 6622L makes an impression right out of the gate. It’s a fusion of the old and new principles of cottage-style design.

A bright and cheery kitchen offers a double sink and plenty of counter space, plus elegant Shaker cabinets. It’s an ideal spot for crafting your next great meal.

And if the cottage of your dreams includes ample spaces for relaxation, you’re in luck, because the 6622L includes a soaker tub for a luxurious and relaxing bath. A water closet provides extra privacy.

2. Champion Homes YS 2842A

3 Bed, 2 Bath
1,120 sq. ft.

For those seeking the perfect balance of coziness and entertaining capacity, you’ll find it in the Champion Homes YS 2842A. On the exterior, a large deck provides a great space for enjoying a summer barbecue or reading on a sunny day.

Inside, the 2842A has a floor plan that feels roomy without sacrificing the intimate vibe of a cottage home. An eat-in kitchen provides an ideal family gathering space and numerous windows keep the space well-lit.

The master suite of the 2842A is equally well-equipped, with a large walk-in closet and a deluxe master bathroom. Three full-sized bedrooms provide plenty of space for family and hobbies.

3. Homes of Merit HOMC 4563B

3 Bed, 2 Bath
1,494 sq. ft.

A cottage style mobile home doesn’t have to be small. Just take a look at the full-sized Homes of Merit HOMC 4563B. With its three-gable design and a front porch that’s perfect for a quiet afternoon, it’s both modern and spacious while maintaining a cozy feel.

The 4563B’s interior is unmistakably contemporary, with wooden accents and recessed lighting that convey tasteful elegance. Optional tray ceilings, combined with modern lighting fixtures, create an airy atmosphere for this cottage style mobile home.

Living spaces are another strong point of the 4563B. An optional built-in entertainment center provides a farmhouse-esque storage solution for your favorite electronics, and large windows keep the space lit with mood-boosting natural light throughout the year.

4. Athens Park Model RV 509

1 Bed, 1 Bath
399 sq. ft.

With their compact design and simple appeal, park model RVs are uniquely well-suited as cottage style mobile homes. Those who love country charm will feel right at home in the Athens Park Model RV 509, with its sliding door entry, large transom windows, and micro footprint.

The 509 proves that even a very small cottage style mobile home can feel spacious. Its living room provides an outstanding setting for family fun and togetherness, and an optional storage loft offers extra room for those who need it.

The kitchen and bedroom layouts feature a just-right-sized design, with gorgeous countertops and modern all-black appliances. Recessed lighting sets a tone that’s both intimate and friendly.

5. Skyline Homes Westridge 1218CT

2 Bed, 2 Bath
1,354 sq. ft.

Blurring the lines between cabin and cottage, the Skyline Homes Westridge 1218CT is an ideal fit for those who love rural-style living with modern amenities. An enormous gabled porch and oversized windows are perfect for those who love a great view and cherish outdoor time.

A charming country kitchen comes equipped with an island counter and modern appliances. A double sink and tile backsplash complete the kitchen of this cottage style mobile home.

Vaulted ceilings throughout give this home its beautiful character. A combination living room/dining room area is an inspired space for family time, and a cozy den provides the perfect space for a home office or media room.

Ready to See More?

Looking for more manufactured homes that pack lots of great things into a small package? See our small manufactured homes for other outstanding options, or discover some cabin-style mobile homes that will give you a similarly quaint atmosphere.

Can You Get a Home Warranty on a Manufactured Home?

Most manufactured homeowners protect their property through common-sense methods like security systems, fire alarms, and preventive tree maintenance. However, there’s another tool for home protection that not every homeowner has: home warranties.

A home warranty helps homeowners avoid being blindsided by repair and maintenance costs. It’s an extremely useful tool for creating financial stability for almost any homeowner. But can you get a home warranty for a mobile home?

Fortunately, the answer is yes—you can get a home warranty on many types of manufactured homes. In this article, we’ll discuss the key facts about home warranties for manufactured homes, including what they cover, what they don’t cover, and how much homeowners can expect to pay.

What Is a Manufactured Home Warranty?

A manufactured home warranty is similar in many ways to a warranty on an automobile. If the homeowner needs certain types of repairs made to their home, the warranty will cover some or all of the repair costs.

Typically, the process for using your manufactured home warranty works like this:

The homeowner contacts the administrator of the warranty and tells them what kind of service they need (such as plumbing, appliance replacement, etc.)
The warranty administrator will contact an appropriate professional and send them to complete the homeowner’s needed repairs.
The service professional will diagnose the problem and perform the repair for the homeowner.
The homeowner will pay a low service charge rather than the full cost of the repair.

Manufactured home warranties generally fall into one of two categories:

Manufacturer’s Warranty: A warranty that the manufacturer includes with the purchase of a new manufactured home. Manufacturer’s warranties are usually included in the price of a new manufactured home.
Extended Warranty: A warranty that a homeowner purchases to supplement the manufacturer’s warranty or after the manufacturer’s warranty has expired. The homeowner pays a monthly or yearly premium, making it similar to an insurance policy.

Why Get a Manufactured Home Warranty?

The major advantage of a manufactured home warranty is that it helps pay for repairs that might otherwise be unaffordable. Services such as electrical or plumbing repairs, which are critical for maintaining a safe and livable home, can cost hundreds or thousands of dollars.

With a mobile home warranty, you’ll always have the security and peace of mind that comes with knowing that your manufactured home is protected. It also helps you receive quicker and more convenient service when a problem arises, since you can simply call your warranty company rather than calling multiple contractors to find a lower quote.

Finally, a warranty can be an attractive extra when selling a manufactured home. Buyers love to know that key systems of their homes are covered by a warranty, so some manufactured home sellers choose to purchase one before selling their homes.

Where Can You Get a Manufactured Home Warranty?

As previously mentioned, most home manufacturers include one-year warranties on new homes that they sell. These warranties cover any potential defects in the construction, plumbing, wiring or other key home systems of your manufactured home. You may also be able to purchase an extended five-year or ten-year warranty through your home’s manufacturer.

Homeowners can also buy an extended manufactured home warranty from a third party. Before you purchase a manufactured home warranty, do some research on the warranty company to ensure that they’re legitimate and well-regarded. It’s also important to carefully examine the terms of the warranty offered so that you’ll know exactly what’s covered under your policy.

Limitations of a Manufactured Home Warranty

A manufactured home warranty doesn’t cover everything. While coverage can vary from one warranty policy to another, the common theme is that a warranty covers “normal wear and tear.”

What isn’t considered normal wear and tear? A few examples:

Damage caused by natural disasters
Damage caused by a lack of basic home maintenance
Damage caused by misused or incorrectly installed appliances
Cosmetic defects
Damage to a manufactured home that’s being used as a place of business
Routine maintenance for appliances
Pre-existing damages, whether known to the homeowner or not

When buying a mobile home warranty, make sure to read its terms and conditions in detail to learn what is and isn’t covered.

How Much Does a Manufactured Home Warranty Cost?

For most manufactured home warranties, you’ll pay a monthly fee. The most popular manufactured home warranty products cost between $25 and $50 per month, depending on the level of coverage.

Lower levels of coverage typically include the basics of livable housing such as plumbing, heating and electrical systems. Higher ones include systems such as air conditioning, refrigerators, septic systems and pools. Some warranty companies may let you combine individual coverages you want in a custom package.

Interested in more ways to protect your manufactured home and keep it in great shape? Read our guide to mobile home roofing.

Big Family? Check Out These 5 Bedroom Mobile Homes

Manufactured homes are known for providing more space for the money than comparable site-built homes, and 5 bedroom mobile homes are the biggest of the big. If your family needs the maximum amount of room, a 5 bedroom manufactured home provides a great value and abundant space for living life.

Curious about what these mammoth mobile homes look like and what features they include? Here are five great five-bedroom mobile home models that will wow you with contemporary styling, expansive interior space, and great value.

1. Skyline Homes Spring View 6806

The Spring View 6806 is an attractive and contemporary home with an optional fifth bedroom that makes it a great option for large families. At 2,432 square feet, the Spring View has plenty of room for five bedrooms plus three bathrooms, including a generously sized master bath suite.

The Spring View’s kitchen is equipped with a breakfast bar that seats four for casual dining, and an included dining room chandelier creates a classy and elegant look from the moment you walk in. Tray ceilings in the Spring View’s living room make the home’s atmosphere airy and pleasant, and wooden beam accents throughout create a stately beauty.

2. Champion Homes Ridgecrest LE 3204

The Ridgecrest LE 3204 is among the largest homes in Champion’s popular Ridgecrest line, which brings a classic ranch-style floor plan and farmhouse design elements to manufactured homes—with a contemporary update. Coming in at 2,062 square feet, the 3204 provides plenty of space for family life and entertaining friends.

Ridgecrest models feature attractive built-in cabinets, and the LE 3204 even comes with a breakfast nook for a cozy meal or cup of coffee. With a living space that’s this cozy and pleasant, home really will be where your heart is.

3. Skyline Homes Custom Villa B304CT

The Custom Villa is designed for comfort and efficiency, with five bedrooms and three baths in a 1,813 square foot space. It’s a great choice for homebuyers who want an exceptional value and plenty of room with a relatively modest footprint.

An optional sliding glass door provides quick patio access to enjoy beautiful weather, and an eat-in kitchen with an island counter is an ideal spot for entertaining and cooking. The fully-equipped master bed and bath suite includes a large walk-in closet and a double sink for a luxurious touch that will make every day a little bit better.

4. Redman Homes Next Generation NG76

The Next Generation NG76 is a bright and contemporary five-bedroom mobile home with 2,204 square feet of space and all of the modern conveniences that today’s buyers expect. Handsome trim and a triple-gable design give the exterior a distinct but friendly feel.

Inside the home, an included utility/laundry/mudroom helps keep your home clean and organized, and the master bathroom suite includes a walk-in shower with a separate tub, plus abundant closet space. The NG76 also has numerous customization options available, including the option to replace a bedroom with an office space, reposition bedroom closets or even treat yourself to a Radiant spa bath.

5. Champion Homes Cimarron 3276T

With a 2,299 square foot design including five bedrooms, three baths, and a combination kitchen/living room/morning room suite, the Cimarron 3276T offers a big and bountiful space that’s great for large families. It’s a classic ranch-style design that makes a beautiful country or suburban home.

The Cimarron’s open concept floor plan combines the living room, dining room, and kitchen into one spacious zone for family life, and a morning room offers a quiet place to start your day. In the master bathroom, a water closet offers additional privacy and a separate tub and shower round out the luxurious package.

On the Hunt for a Large Mobile Home?

MHVillage is the #1 source for manufactured homes in all shapes and sizes. For more jumbo-sized mobile homes, check out our article on big mobile homes, or read our guide to quadruple wide mobile homes.

The Beginners Guide to Mobile Home Insulation

The Role of Mobile Home Insulation

Insulation plays an important role in maintaining the livability of your mobile home. The proper insulation will not only ensure that your home remains comfortable throughout the year, but it can also save you significant money on heating bills.

The main difference between mobile and manufactured homes is their time of construction. The mobile home is the name for the homes built before 1976 when the construction became more strictly regulated. A home built after these regulations is referred to as a manufactured home.

If you live in an older mobile home, there is a good chance that it has poor insulation, if any at all. There is also a possibility of gaps in insulation throughout your home. This is all a result of minimal supervision of building standards prior to 1976. So, once you start planning a renovation, insulation should be your top priority, especially if you want to winterize your mobile home.

Our beginners’ guide to mobile home insulation will provide you with all of the information you might need.

Types of Mobile Home Insulation

There are different types of mobile home insulation you could go for. We’ll cover the most popular ones.

Blanket Insulation

This mobile home insulation comes in two forms – batts and rolls. Batts are rectangular pieces that you buy in a bundle, while rolls are cut differently and you get them in a long roll. This is one of the most common types of insulation. The batts and rolls are usually made of fiberglass, mineral wool, or natural fibers. The fibers are flexible and you can cut them to fit into spaces like studs and joints.

Foam Boards

Foam boards are much more rigid than blanket mobile home insulation. It provides excellent thermal resistance. People use it for roof insulation as well as belly board for mobile homes.

Loose-Fill or Blown-In

These types of mobile home insulation are great for spaces in odd shapes as well as obstructed parts of the mobile home. It is incredibly flexible and is often used as insulation for older mobile homes.

Spray and Injection Foam

Spray and injection foam have gained a lot of traction in recent years, but the jury’s still out on them. They are liquid in their container but foam, expand and harden once they are out. Their main advantage is that they are great for use in enclosed spaces such as walls. They can reach even the smallest spaces. However, some research has shown that other types provide much better insulation. In addition, using spray and injection foam can get quite messy.

What type of insulation should you use under a mobile home?

These different types of mobile home insulation can be made from a variety of different materials. Some of them work better than others, and some are more appropriate for certain parts of the home only. When it comes to the underbelly of a mobile home, experts suggest it is best to use closed-cell spray foam insulation. Using fiberglass and cellulose can be effective, but these materials soak up any water in the ground. This can lead to mold and even rot over time. Open-cell spray foam will react similarly and is better suited to walls as we mentioned above.

How much does it cost to change the insulation under a mobile home?

The price of your mobile home insulation will depend on many different factors, but mainly the material you choose to use and whether or not you decide to do it on your own or hire professionals. Here is a range of prices for different materials 1,000 square feet:

Open-cell spray foam: $350 to $550;
Closed-cell spray foam: $1,000 to $2,000;
Blown-in: $500;
Fiberglass batts: $640 to $1,100.

These are all prices of materials. If you decide on DIY, you can manage your mobile home insulation at quite an affordable price. However, you might not want to take your chances. This is particularly true if you have just bought a mobile home and are about to move in.

If you managed to recognize a good service when it came to your movers, you should be able to find appropriate help for the insulation job. Hopefully, you had a home inspection before closing the deal. The home inspector should have made you aware of the potential renovation expenses.

Affiliate Link Below – MHVillage receives a small commission from the seller for purchases made through this link.

How do you insulate a mobile home?

Proper mobile home insulation is both budget- and environment-friendly. The US department of energy has a list of suggested measures to make your mobile home energy-efficient. Besides installing new doors and windows to help keep the air in and making general repairs, the main idea is to add insulation to the belly, walls, and roof of your mobile home. Installing insulated skirting as well as a belly wrap are also on the list. So how do you go about it?

Experts suggest always hiring professionals to do this for you as there are many variables to think of. There are plumbing and wiring to consider, as well as causing possible structural problems when dealing with walls and ceilings. Roof insulation can get particularly tricky and is too big of a project to DIY, especially if you are inexperienced. You might not just cause damage to your home, but also to yourself.

Should you insulate the home skirting as well?

As many mobile homes sit at least 36 inches off the ground, mobile home skirting protects the underside of your home. If you are en route to making your home energy-efficient, your mobile home insulation project should definitely include insulating the home skirting as well. Some sources suggest that insulating the home skirting can reduce your energy spending by as much as 25 percent. As is true with the rest of your mobile home insulation, the investment will surely pay off in the long run.

Final Tips

If you are buying a manufactured home, get an inspection to make sure they take a look at the insulation around the house. Nowadays, there are many choices for insulation depending on your home, budget, and whether you decide to hire a professional, or tackle the project yourself.

Homebuilding in manufactured housing has come a very long way in recent years. Learn more about modern mobile homes and the incredible features they offer buyers today.

Article contributed by Sophia Perry

What is the Average Cost of a Manufactured Home?

One of the great things about manufactured homes is that buyers have plenty of options when it comes to bedrooms, bathrooms, floor plans and more. So many manufactured home models are now available on the market that it’s possible to find a home with almost any combination of features that a buyer wants.

However, the endless variety of options available also means that it’s important for a buyer to know the approximate cost of the choices that they will be presented with when shopping for a manufactured home. By breaking each option down and examining how it affects the cost of the home, buyers can gain a better understanding of what they can expect to pay for a quality manufactured home.

This guide is designed to help manufactured home buyers learn about the many different factors that go into the cost of a manufactured home. From square footage to home features to important extras like taxes and utilities, these are the costs that you’ll need to be familiar with as you commence your hunt for the perfect mobile home for sale.

Factor #1: Size

Square footage is one of the biggest factors in determining the cost of a manufactured home. More square footage means more room for your family, your possessions and your life.

Manufactured homes fall into one of three size categories. Single wide manufactured homes are built and delivered as a single unit, while double wide manufactured homes are built and delivered in sections that are joined together at the home site. Multi-section manufactured homes are triple wide or quadruple wide models that add more sections and more square footage.

Although the prices of manufactured homes fluctuate just like site-built homes do, here’s the average price of a new manufactured home (plus its square footage and per-square-foot cost) in 2016:

Single Wide:
- Average Sales Price: $46,700
- Average Square Footage: 1,075
- Average Price Per Square Foot: $43.44

Double Wide/Multi-Section:
- Average Sales Price: $89,500
- Average Square Footage: 1,746
- Average Price Per Square Foot: $51.26

Our guide to mobile home sizes will help buyers understand more about what each size of manufactured homes offers. There’s no one-size-fits-all solution, and each family will need to consider their own space needs.

Factor #2: Bedrooms and Bathrooms

Bedrooms and bathrooms are among any home’s most important features, and they have a big impact on the cost of a manufactured home. As a general rule, homes with more bedrooms and bathrooms will have more square footage. You can expect approximately:

2 beds and 1-2 baths in a single wide manufactured home
2-3 beds and 2 baths in a double wide manufactured home
3-5 beds and 2-3 baths in a multi-section manufactured home

Many buyers want as many bedrooms and bathrooms as they can get within their price range. Unused bedrooms or flex rooms can be converted into guest rooms, home offices, home gyms or just about anything else. Many families who may plan to have more children will choose to purchase a manufactured home with an extra bedroom or two to accommodate a growing family.

Factor #3: Upgrades

Many home manufacturers offer upgrade packages on their manufactured homes. These upgrades can offer all kinds of conveniences and practical advantages for an additional fee.

Manufactured home floor plans sometimes come with the option to add an extra bedroom or bathroom, so ask your builder about whether the models you’re interested in include these options. Bedrooms and bathrooms themselves are also common areas for optional upgrades, with many models offering premium features such as walk-in closets and separate bathtubs and showers.

You’ll also want to consider what kind of appliances you want for your manufactured home. Many home builders offer upgraded appliances packages with features such as stainless steel exteriors, induction cooktops, French door refrigerators, and smart home integration. These appliances can be a big quality of life upgrade for your kitchen.

Factor #4: Porches and Garages

Many homebuyers want a garage to keep their vehicles safe and provide some extra storage space or a porch for relaxing with family and friends. However, additions to a manufactured home must be free-standing structures with their own footings, so this will usually require hiring a third-party contractor to build an additional structure. During the process of selecting a manufactured home model, be sure to ask the builder whether a model is suitable for structural additions.

The cost of adding a garage varies by model and style, but the national average cost to build a garage is $49 per square foot (depending on finishing, dimensions, foundation and other characteristics). The most popular sizes of two-car garages vary in cost between $28,200 to $42,300. Detached garages tend to be slightly more expensive, as they must be built from the ground up rather than attached to an existing structure.

Prefab garages and carports are also popular options for some homeowners. A prefab steel garage can cost as little as $4,000, but as with all garages, you should check with your community association first to ensure that you’re allowed to build one.

The cost of a mobile home porch or deck averages around $5,000 to $10,000, but it can vary widely depending on the structure of the porch. A simple DIY porch with a lean-to roof might cost only a few hundred dollars, while a full-fledged gabled porch can cost $10,000 or more.

Factor #5: Land

Your manufactured home will need a home site on which to rest, and you’ll need to factor in the cost of purchasing or leasing that land. If you can afford the upfront cost and land is relatively inexpensive where you live, purchasing a lot can be a good investment that saves you money in the long term, but leasing a lot is also a good option for many homebuyers.

If you want to purchase your own home site, costs will vary widely with local land values and regulations. The average cost of land in the U.S. is $3,020 per acre, but there is considerable variation among states. State and local zoning laws often establish certain areas where manufactured homes are allowed, and they may also establish a minimum lot size for a manufactured home, so be sure to familiarize yourself with these laws before buying land.

Leasing your lot is also an option, and if you’ll be placing your new home in a mobile home park, you’ll typically need to lease a lot (unless you opt for a resident-owned mobile home park). You’ll pay a monthly lot rent, which can vary widely anywhere from $400-$800 per month depending on the region. Some landlords will roll utilities into the lot rent, so make sure to ask the property manager exactly what is included in lot rent.

Factor #6: HOA Fees

Many manufactured home buyers find that there are big advantages to living in a community of manufactured homeowners. Mobile home parks are located all around the U.S. and many offer amenities such as pools, fitness centers and clubhouses, as well as a sense of community and opportunities to make new friends.

However, many mobile home parks have homeowners’ associations (HOAs) that are responsible for maintaining properties and amenities. You’ll usually pay a monthly fee to your HOA to support community maintenance and security, which is usually between $200-$300 but can be as high as $500 in some highly desirable communities. Your HOA fees may be included in lot rent, or they may be charged separately.

Factor #7: Utilities

Your manufactured home will need to be hooked up to local electric, gas, water and Internet utilities, and you’ll have to pay monthly utility bills. Some utility companies may require a deposit before they will connect your home site. If you lease your manufactured home lot, some utilities may be included in lot rent, but others may not be.

There are several steps you can take to lower the cost of utilities for your manufactured home, including purchasing an ENERGY STAR® certified home and upgrading your home’s insulation. Make sure to talk to your builder about the home’s R-value to learn about how your home is insulated and options that may be available for improving energy efficiency.

Factor #8: Taxes

Manufactured homes are taxed at the state and local level, so tax obligations vary widely. The type of taxes you pay on your home will be determined by whether your home is titled as real estate or as personal property.

Manufactured homes attached to a permanent foundation and titled as real estate are usually taxed at the same rate as site-built homes in the same tax jurisdiction. The national average property tax rate is 1.15 percent of appraised home value, but some states have significantly higher or lower rates.

If your manufactured home is titled as personal property, you will usually pay annual taxes on it to your state’s DMV, much as you would with a vehicle. Some states, such as Michigan, don’t require any annual tax for manufactured homes titled as personal property. Instead, many of these states will levy a sales tax at the time you purchase the manufactured home. If you’re buying a manufactured home in one of these states, your builder will be able to inform you about your tax obligations.

If you rent your lot, some states will allow you to deduct lot rent on your annual taxes since part of it goes to pay your landlord’s property taxes. Check with your state department of revenue or county assessor’s office to learn whether you’re eligible to do this.

Factor #9: Transportation

Your new manufactured home will need to be delivered to your home site from the factory. Typically, manufacturers include delivery costs in the price of the home, up to a distance of around 100 miles, with additional fees averaging $6 to $15 per mile after that.

However, the homebuyer may be liable for additional costs, such as the cost of obtaining a permit to move the home. Make sure to check with the home builder about what you’ll be expected to pay for, potentially including labor costs to set and install the home.

Used Manufactured Home Prices

Buying a previously owned manufactured home is also a popular choice for buyers who want to save money and move into a home as quickly as possible. Today’s durable manufactured home models maintain their value well when properly cared for, so a used manufactured home can provide some real financial advantages.

Much as with a new manufactured home, the cost of a used manufactured home is determined by several factors, including:

The original mobile home book value, including its square footage and bedrooms/bathrooms.
The current condition of the manufactured home and whether it has been maintained properly or needs any repairs.
The location of the manufactured home.
Whether or not land is included with the manufactured home.
The current state of the housing market.
The time of year when the home is sold.

For more information about used manufactured homes, see “What to Look for When Buying a Used Manufactured Home” and learn how to find a reliable used mobile home price guide. Then, start your search on MHVillage’s used manufactured home listings, America’s largest database of previously owned manufactured homes for sale.

One final thought:

To find the perfect manufactured home for your family, it’s important to have the full range of resources on home pricing, how to evaluate a home, and how to make an offer. You’ll find this critical information in our Mobile Home Buyer’s Guide, plus tons of other useful tips to make your manufactured home hunt a success.

Are FHA Loans Available for Mobile Homes?

Most homebuyers take out a mortgage when purchasing a new home. However, buying a manufactured home often means going through different financing channels than site-built homebuyers use.

You might have heard about FHA loans and how they help buyers afford to own their own home. If you’re considering your financing options for a manufactured home, you might be wondering: Can I get an FHA loan to buy my manufactured home?

The good news is: Yes, FHA loans for mobile homes are available! These loans can help families afford high-quality long-term manufactured housing. Read on to learn about the basics of FHA loans for mobile homes and when it’s time to ask a mobile home financing professional about your qualifications for an FHA loan.

What Is an FHA Loan?

An FHA loan is a mortgage loan that is backed by the U.S. Federal Housing Administration. One of the FHA’s lending partner institutions issues the mortgage, while the FHA shields the lender from risk by guaranteeing the buyer’s loan obligations. This allows the lender to offer mortgages to a wider range of buyers and provide more flexible terms.

Defining features of FHA loans include:

Lower down payments
Less stringent credit and income requirements for borrowers
A maximum loan amount determined by your county of residence

Mortgage insurance is a key component of FHA loans. The borrower pays a mortgage insurance premium to protect the lender’s financial interest in case of default. Typically, one larger mortgage insurance payment is required as part of the closing process, and the buyer also pays a monthly premium when they pay their mortgage.

Advantages of an FHA Loan for a Mobile Home

An FHA loan is a great way for mobile home buyers to find mortgages that suit their financial needs. Here are some reasons that FHA loans are a popular way to obtain manufactured home financing:

FHA loans typically require a lower down payment than traditional mortgages. If a buyer’s FICO score is above 580, the buyer can provide a down payment of just 3.5 percent of the loan amount.
For buyers with little established credit or past credit problems, an FHA loan can be the most affordable mortgage option.
FHA loans can be used to buy a manufactured home, whereas some loan products can be used only for site-built homes.
The FHA offers a streamlined refinancing program that allows FHA loans to be refinanced quickly and easily for qualified borrowers.
The FHA will allow closing costs to be financed.

Do You Qualify for an FHA Loan for a Mobile Home?

The requirements for FHA loan eligibility can vary, so ask a lending institution about their individual requirements. Some of the common standards for FHA loan eligibility include:

You must use the home as your primary residence.
The lot and lot lease agreement must meet FHA standards.
The manufactured home must be compliant with the federal HUD code.
The property must be appraised by an FHA-approved professional appraiser.
The manufactured home you’re financing must be affixed to a permanent foundation and titled as real estate.
You must show proof of consistent income, have at least two existing lines of credit and be within the FHA’s requirements for debt-to-income ratio.

Note that according to the Consumer Financial Protection Bureau, FHA loans are typically best suited for borrowers with lower credit and less ability to make a down payment. Borrowers with better credit who can afford a 10 to 15 percent down payment may pay less in the long run by using conventional financing,

Getting Started with an FHA Loan

The first step to getting an FHA loan is speaking with an FHA lender in your area and asking to get pre-approved. During this process, the lender will review your qualifications and determine how much you may be eligible to borrow. Pre-approval isn’t required, but it’s helpful.

Next, you’ll fill out Form 1003, the Uniform Residential Loan Application, and submit it to the FHA. If the FHA approves your application, the lender will order an appraisal of the property you want to buy. If the property is compliant, the lender will begin the underwriting process.

During underwriting, you’ll have to provide more detailed financial information to the lender’s underwriters. Once you’re approved, the closing process can begin. (Don’t forget to ask your lender if you can finance your closing costs.)

Looking for More Financing Tips?

MHVillage is a one-stop-shop for the latest information on manufactured home financing. Read our blog on how to get a loan for a mobile home to find more useful financing tips, or explore the different mobile home financing companies in the market.

Mobile Home Leveling FAQs: What Homeowners Need to Know

Even though mobile homes are generally easier to maintain compared to traditional homes, they still require regular maintenance. No one likes to do it, but the only way to have a safe home is to perform routine maintenance on a regular basis. One of the essential maintenance chores is having your mobile home leveled. Although mobile homes are leveled during installation, they need some adjustment from time to time. What’s great about mobile home leveling is that you can do most things by yourself with just a few tools.

Here are some of the most important things that every mobile home owner should know about mobile home leveling.

What is Mobile Home Leveling?

Leveling is one of the most important stages of mobile home construction. It takes place after the home has been delivered to its site and placed onto the prefabricated foundation. Mobile home leveling ensures that the home’s weight is distributed evenly and that the floors are level across the entire building.

How often should you check the level of your mobile home?

Many mobile home owners aren’t aware that they should check their home leveling regularly. According to professional installers, the first check should be performed 90 days after installation. Regular checks should take place once a year, ideally at the beginning of summer. In addition, it is important to check the level of your home after floods, earthquakes, hurricanes, windstorms, and other extreme weather conditions.

What situations cause leveling to be necessary?

As your house settles into the ground, some problems may start to occur – problems that will become much worse unless you address them on time. New homes and those that have been moved recently are the ones that need leveling the most.

There are numerous reasons why mobile homes become unlevel. For example, underground roots may cause the soil to move. Other environmental factors, such as flooding or earthquakes, can also cause trouble.

These are some of the most common signs that mobile home leveling is necessary:

The house looks slightly tilted when observed from the outside;
Doors and windows don’t fit properly or won’t stay shut;
Cabinet and closet doors are hard to open and close;
The skirting looks bent;
Awnings are bent or difficult to use;
There are cracks in the ceilings, walls or floors.

How much weight will a mobile home floor hold?

Your mobile home floor should be able to hold the weight of an average household item. In case there is water damage, however, any weight could break through the floor boards. Water damage usually occurs under doors, windows, and around bathroom fixtures. Therefore, you should carefully examine your floor boards before placing heavy furnishings on them. If there is a problem with the floor, take your furniture to a storage unit and stack your storage the right way to keep your belongings safe until the problem is fixed.

How to check the level of your mobile home

You can easily check whether your mobile home is level or not. You don’t need professionals for this task but you should not go underneath your home by yourself. In case there is an emergency, you should have someone by your side.

First, disassemble and detach the skirting, then loosen the tie-down straps. To find the current level of your mobile home, place a level in the center of the beam and watch the bubble to check how level it is. Then, check the bubble again after moving the level to the nearest support pier. Keep moving the level toward the end of the main support beam and checking the bubble. Then, take the level back to the center and check the other side of your home. Remember to wear proper work gloves and eyewear!

Affiliate Link Below – MHVillage receives a small commission from the seller for purchases made through this link.

How to level the home yourself

In case some part of your home is not even, it needs to be adjusted. Mobile home leveling is not terribly complicated, but it is very physical, as you’ll be crawling underneath the home. The most important tools to have are a water level and hydraulic bottle jacks.

To raise your mobile home to a level position, you will need the proper jack. Remember to place a piece of wood under the jack to make it more stable. Start jacking up the house and stop once the bubble is centered.
There should be some space between the lower beam and its support. That space should be filled in order for the beam to stay raised. You can use a piece of wood or a shim to support the beam. Hammer it into place, then lower the jack. When the level shows that part of the home is even, your job is done.
After you finish leveling your mobile home, check the whole beam once again to be sure the entire home is even.
Make sure no water lines were damaged or dislodged while you were leveling.
Finally, adjust the tie-downs to ensure they are secure before putting the skirting back.

Hiring professionals to level your mobile home

As mentioned, in most cases, you can level your mobile home by yourself – provided that you have the right tools, of course. However, if your mobile home is extremely unlevel or the piers are leaning, it is advisable to hire professionals.

You can contact the dealership that sold you the mobile home and ask them for help. They usually have their own installers or they work with an outside company. Additionally, you can search the internet and ask other mobile home owners for recommendations.

Make sure the company you hire for this job is licensed and insured. Also, remember to ask questions about their experience and qualifications. They should be able to give you the contact information of their previous clients, too.

How much does leveling a mobile home cost?

First of all, you should always get a quote or a written estimate of the cost beforehand. The cost of mobile home leveling depends on several factors, including the location of the home. In large metro areas, having a single wide re-leveled costs around $500. Double wides cost double. In less urban areas, the price is lower, closer to $250-300.

Article written by Sophia Perry

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