r/ManufacturedHome

Built to last?

Me and my wife are measuring the possibility of buying a manufactured home versus a traditional stick build. We are thinking of buying a manufactured home from Clayton homes because we can get a bigger house that way that fits our family and our future growth, well also having a 15-year mortgage and more financial freedom. If we go the stick build route we feel more confident in the long-lasting capability of it, but it puts the 30-year mortgage payments higher than the 15 year mortgage payments on the manufactured home. Do you think that modern manufactured homes can be built to last close to or as long as modern stick builds? Is financial freedom more important than a better built or less maintenance needing house?

Side note: I will be placing the manufactured home on a stem wall concrete wall foundation. That will be set on top of either peer holes or footings just to make sure the foundation is super strong

reddit.com
u/T-Prime_14337 — 1 day ago
▲ 4 r/ManufacturedHome+2 crossposts

Real Estate and Medicaid in Ohio

Hello! I am a realtor and I am trying to help a client and I'd love any advice you all have!

I have a client who is selling her mom’s manufactured home in a park. She bought it for 120k in 2022. Everything is like new. She cannot move into the nursing home until it sells and then she can use the money to pay for the nursing home until it runs out, then medicaid kicks in. As you all probably know, with medicaid, they cannot price the home too low or it will get flagged. I suggested getting the home appraised so we would have some evidence for how much the home is actually worth. But that didn't work out because it appraised for way too high! I’ve found that pricing manufactured homes as low as possible is the only real way to sell them quickly, otherwise, it seems like they tend to sit, sometimes for months and months. In this case, we can’t price it crazy low because we don’t want medicaid to get flagged. I listed the home for $79,900, tax records show its value at $62k, the appraisal came in at $98k. It’s been on the market for a week, and we have had zero showings.

Is there a process in which I can reduce the price if there is no interest at all? Can my seller use the evidence of no showings to fight against medicaid if they flag it for us selling too low?

I have sold medicaid manufactured homes before with medicaid in mind but they were 20+ years old, so the low price was justified. With a 2022 home, it is much harder to sell at a reduced price. Any information is welcome!! Thank you!

reddit.com
u/No-Breakfast-4597 — 19 hours ago

Reno Updates (Days 2-6?)

I have pulled up the main damage area., which is about 4x10.

I'm working on removing the novadeck that's still stuck on the joists and the wall edges.

I had my dad who's a carpenter, come out and give me his input, which was invaluable. He said that the entire floor doesn't need to come up unless it's compromised.

I tested areas around the room and we're good. Except the humped area.

He introduced a new term to me: **kerfing**

Basically, it'll allow the area to relax on itself and lower the bump.

I am testing it in this room first. *If* it works, I'll do the rest of the floors that were affected by the leaks.

I will be laying insulation between the joists since the stuff here is practically useless.

I climbed under my house (I need a round of applause for that! I've been unrealistically afraid of getting under a mobile home since childhood!)

Anyway, belly under the bedroom looks pretty good but there are areas in need of patching.

However, someone (Yes it was a **human** with a box blade went to town under the bathroom and other bedroom!! Craziest part, they cut right next to the zipper that was in the belly wrap! 🤬🤬

So, that'll be *fun*!

Any advice? Questions?

u/bayoujac — 1 day ago

Floor Hump

Anybody know what would cause a decent size hump in the floor right here. It ends near the front of the oven. Been here since I bought the place 6 months ago and doesn’t bother me too much but was curious what might cause it.

u/Repulsive-Fox-5849 — 1 day ago

Need advice on what to do next

For context, we are in CA and all applicants have 700+ credit scores with enough income to pay the loan. We applied with US Financial Network and First Pacific Loans. Seems like they both used 21st mortgage. The picture came from US Financial Network, but today I got an approval from First Pacific with a 9.49 rate for a $270,000 purchase price.

Anyone else in CA have experience with 21st mortgage or think I should explore another lender? I’ve seen Triad Financial Services also does chattel loans. I know chattel loan have higher rates, but anyone have success with negotiating to bring the rate down?

Thanks!

*Edit: this is for a home on leased land in a community park!

u/swiftreader20 — 1 day ago

Need for Concern?

I’ve lived in this double wide for 1 year now. It’s a 1998. I’ve recently noticed these “dents” in the ceiling. There’s a couple on both sides of the marriage line. I’m not sure if they’ve been there the whole time or if they are just appearing. It’s not water related and they feel just as solid as the rest of the ceiling. Do I need to panic? Is it structural? Or should I just keep on living my happy little double wide life?

u/Pilot248 — 2 days ago

Underlining Repair

Just got quoted 5k to repair the underlining of my home after duct work repair. I'm not too knowledgeable about this so I was just wondering if this sounded correct?

Any advice would be appreciated because at this point I might just say screw it and order some window units and fix the duct work later when I can afford the underlining repair.

reddit.com
u/Anxious_Sundae_2442 — 2 days ago

Advice needed in Indiana!

Hello all,

I recently inherited 6 acres with a little house on top. My husband and I decided the house's repairs would cost more than it is worth.

We would like to demolish the home and throw a modular home on the land. There is already a septic tank and a well on the property.

If anyone in indiana has built a modular home, what was the process like time wise? How much did it cost you? Is it realistic to hope to stay under 200k for the entire process (i dont want to finance more if i dont have to)

Who did you go through?

reddit.com
u/gigglingingreen — 1 day ago
▲ 26 r/ManufacturedHome+3 crossposts

How the new federal housing act will affect NH’s real estate crunch

We hope it's OK to share this article we just published — it seemed like it might be of interest to folks in this community:

New Hampshire housing advocates say the new federal 21st Century ROAD to Housing Act will give developers more flexibility and incentives to build affordable units in the state.

The bipartisan legislation, which became law in July, is a wide-ranging combination of more than 60 bills previously introduced in Congress.

Elissa Margolin, director of St. Anselm College's Initiative for Housing Policy and Practice, said there aren’t a lot of new tools in the legislation, but it will help communities and developers navigate housing red tape.

Read the story for the main takeaways for how the act will affect New Hampshire.

How do you feel about this new law? Will these changes impact your own housing decisions, particularly around manufactured homes and/or affordable housing? Let us know in the comments or by emailing voices@nhpr.org.

u/nhpublicradio — 3 days ago

Need advice on filling large gaps for an old mobile home.

So I took over an old mobile home that was not properly maintained, and I'm trying to do repairs and fix what I can, but I'm new to home repairs and been learning as I go along.

Currently, the exterior wall trim was done with concrete panels that were not properly cut. There is no alignment, and there are large open gaps that allow humidity to seep in-between the exterior and interior walls. I want to close the gaps, but not sure what to use.

I've thought of filling the gaps with insulation rolls and then applying expandable form. I don't have power tools, and I'm on a budget. For now, I'm looking for advice on stopping the bleed.

u/ResistDamage — 3 days ago

Starting my reno was eventful!

A window unit in one bedroom was leaking for probably two years. Flooring was swollen and then, after removing a large piece of furniture, we discovered the floor was spongy.

I pulled up the vinyl flooring and revealed the OSB subfloor.

I fell through the subfloor and broke a finger!

Day two has got to be better, right?

u/bayoujac — 5 days ago

If you bought a single wide and then had a pavilion built over that, would that solve the heat problem?

That manufactured homes don't have any attic to decrease the heat from the sun, if a person had a singlewide home and then had a pavilion with a white metal roof built over the singlewide home would this make living in a manufactured home better?

reddit.com
u/First-Habit-3298 — 6 days ago
▲ 9 r/ManufacturedHome+1 crossposts

How do Worley Builders, Inc. quality compare to the other local builders at their price range ($400 - $600k)?

I have toured several of their homes built in 2025 and found one good and one bad on the same block. The good had a door to the attic where the hvac was and for a hot summer like this month in August 2026, the attic room was about 3 degrees less cool as the rest of the home. This homes attic had correctly installed baffles where the soffit vents were and the blow in insulation was installed correctly and did not block or clog the vents.

On the other hand, the badly built Worley home did not even run their AC and when I inspected their hot attic, I found incorrectly installed baffles ( some were even missing) and clogged soffits.

Has anyone owned a Worley home before? How is their reputation in town?

u/Chiemychanga — 6 days ago

What’s everyone’s opinion on Clayton homes?

I’m super interested in purchasing a couple of acres next year in north Florida. I was browsing Clayton homes and fell in love with the southern farmhouse. I’m seeing mixed reviews about the company…what’s everyone’s opinion about Clayton homes?

reddit.com
u/BunniLuvs2Read — 5 days ago

General cost of block and tie down for a double wide

Located in central NC!

I’m helping my parents research the costs of possibly getting a new double wide for their property - as of right now they are looking at Champion Homes and the rough estimate for the house, delivery and taxes is about $170,000 (4 bed, 2 bath). This does not include the set up of the home itself.

Overall the cost is quite a bit more than they were expecting, but the cost that really threw them off was the additional cost of blocking and tie downs for the double wide - the person they are working with said it generally costed around $10,000 which doesn’t include the underpinning. Is that the average cost of that? It seems expensive, but I have no idea about any of this stuff, so wanted to ask here!

reddit.com
u/Unremarkable_Hare — 5 days ago
▲ 2 r/ManufacturedHome+2 crossposts

New manufactured home in Hudson Valley NYS

I’m from NY … Queens. I moved to Delray Beach Fla 7 months ago bcz my 97 yr old Mom was here. She passed away 9 months ago. My 2 boys ( in their 50’s ) and all my cousins are in NY. And I’m thinking of moving back.
I saw new manufactured homes in upstate NY ( Hudson Valley ). Wondering if anyone has experience with manufactured homes .. good or bad. Thank you

reddit.com
u/Liza2020Boo — 5 days ago

Adding Ceiling Fan

We are wanting to add a ceiling fan in our manufactured home. We have a pitched ceiling.
The current light fixture is on one side of the pitch.
What is the best way to add a ceiling fan?
Because of the pitched ceiling I will need to get a fan that has a longer hanging rod. What is the best way to decide the size of the fan to buy?
Just looking for some ideas.

reddit.com
u/campingfool83404 — 4 days ago