Affordable Manufactured Housing Alternatives

Whether it's a manufactured home on an acre of ground in the county or your parents living on your property in a second but separate home, or a modular home nestled among older site built homes in the city; all are affordable homes that are built in the factory and designed for long-term residential use.

The Land/Home Package

The "Land/Home Package" refers to manufactured homes being placed on typically larger county lots with permanent foundations which enables them not only to obtain better terms for financing but also for appreciation purposes. Manufactured homes are built to a pre-emptive HUD code in a controlled environment and inspected daily; this code also sets performance standards for the heating, plumbing, air conditioning, thermal and electrical systems. Therefore, all city or county building departments within the state have little or nothing to say as to how the homes are built which saves a lot of time and money.

Here's how it works:

The three main components for the costs are: the property, the home and site preparation. All three can be included on the loan. The home, including all options or amenities, the property, as well as the site preparation costs are totaled for appraisal purposes. (A WORD TO THE WISE, BECAUSE SITE PREP COSTS ARE SIGNIFICANT YOU WILL WANT TO SHOP FOR YOUR BEST BID).

Once the property is found and the appraisal complete, with all costs accounted for, the home may be built and the project will be nearing completion with only the site work to be finished. When completed you will enjoy a custom manufactured home located on a lot of your choice and financed through any source you choose (FHA, CAL-VET, VA, CONVENTIONAL, OR REVERSE MORTGAGES).

The Backyard Home/2nd Unit

With the high prices on homes in Southern California, there is growing demand for homes going in as second unit on one property. Many property owners are adding a 2nd home for their children, parents, or as a rental unit. The need for these kinds of homes are prevalent in rural as well as urban areas like Los Angeles and San Diego where the demand for affordable housing is even more of an issue.

As of July 1, 2003 important "Second Unit Legislation" was put into effect in Assembly Bill 1866, amending two sections of Government Code to encourage the creation of second unit. This Assembly Bill encourages local building departments to be flexible with residents interested in placing a second-unit on their property. According to this Bill, the "legislature finds and declares that second units are a valuable form of housing in California. Second units provide housing for family members, students, the elderly, in home health care providers, the disabled, and others, at below the market prices with in existing neighborhoods. The Bill goes on to state, "an application (within the building department) should not be subject to excessively burdensome conditions of approval, should not be subject to a public hearing or public comment and should not be subject to any discretionary decision-making process".

Lot-In-Fills

Urban "Lot-In-Fills" are for those of you who prefer the city life. Today’s manufactured or modular homes have experienced a major evolution in types and quality of homes being offered. Technological advances are allowing manufactured or modular homes to offers a wide variety of architectural styles and exterior finishes that will suit most any buyer's dream, all the while allowing the homes to blend in seamlessly into most any neighborhood. Two story and single-family attached homes are but two of the new styles being generated by factory-built innovation. As a result these kinds of homes are offering real housing options for the neglected suburban and urban buyers.

With all the technological and factory-built advances that have surely occurred over the years perhaps the most significant aspect of lot-in-fills may be economic in nature. When building a single family residence, built one at a time, there are only two ways to do it. One is by using a custom home builder who builds on site, stick by stick, and the other is having a custom manufactured or modular home built in a factory and transported to the site. In the end you will have a very nice home no matter which way you choose to do it; however, the costs associated with both are vastly different. It is conservatively estimated that you will save between 10 to 35 percent per square foot as compared to site built homes. 

Ma Williams Manufactured Homes
35325 Hwy 74
Hemet, CA 92545
Phone: (951) 926-1581
Fax: (951) 926-9622
sales@mawilliamshomes.com
- Directions to Ma Williams Manufactured Homes -