{"id":4220,"date":"2018-11-06T14:12:03","date_gmt":"2018-11-06T14:12:03","guid":{"rendered":"http:\/\/holtoncreek.wpengine.com\/?page_id=4220"},"modified":"2019-02-22T01:47:32","modified_gmt":"2019-02-22T01:47:32","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/holtoncreekhomes.com\/frequently-asked-questions\/","title":{"rendered":"FREQUENTLY ASKED QUESTIONS"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1541514249224{margin-top: 30px !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;FREQUENTLY ASKED QUESTIONS&#8221; font_container=&#8221;tag:h2|font_size:36|text_align:center|color:%233a7de3&#8243; use_theme_fonts=&#8221;yes&#8221;][vc_tta_accordion][vc_tta_section title=&#8221;WILL MY MANUFACTURED HOME ON LAND OR IN A PARK DEPRECIATE?&#8221; tab_id=&#8221;1541513645021-531bd3e0-df72&#8243;][vc_column_text]In general, manufactured homes will appreciate at the same market rate as other homes in the same neighborhood, but, as with all housing, it is subject to the same market factors that affect appreciation, including:<\/p>\n<ul>\n<li>The housing market itself &#8211; are homes in general increasing in value?<\/li>\n<li>The community in which the home is located \u2013 is it a rising or declining neighborhood or community?<\/li>\n<li>The initial price paid for the home &#8211; some price ranges are more sought after.<\/li>\n<li>The age and how the home has been maintained.<\/li>\n<li>The inflation rate experienced.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;ARE MANUFACTURED HOMES BUILT AS WELL AS SITE BUILT?&#8221; tab_id=&#8221;1541513645046-5afde2c7-4e40&#8243;][vc_column_text]Homes built using quality materials and construction methods weather the years better.<\/p>\n<p><u>Building materials found in manufactured housing are equal to that used in site-built construction.<\/u> Unlike on-site construction, the lumber, insulation, siding and other materials used to build manufactured homes are never exposed to and potentially damaged by rain or other moisture.\u00a0<u>Manufactured homes must satisfy a stringent federal building code.<\/u>\u00a0These standards cover structural design, construction, fire safety, energy efficiency and performance of heating, plumbing, air conditioning, thermal and electrical systems. Regional differences are taken into account for such considerations as snow load, wind tolerance, and insulation.\u00a0<u>The result is a home of great structural integrity and durability.<\/u>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;CAN I CUSTOM DESIGN MY OWN HOME?&#8221; tab_id=&#8221;1541513828599-cac10d3d-1c50&#8243;][vc_column_text]<span style=\"color: #000000;\">You have a wonderful array of choices for how your home is designed, equipped and constructed both inside &amp; out. You may even order a home stretched in length and\/or width. Your floor plan may also be flipped end to end or side-to-side . Just ask and we will see how we can customize the home to meet your specific needs and desires.<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;WHY ARE MANUFACTURED HOMES LESS EXPENSIVE THAN SITE BUILT?&#8221; tab_id=&#8221;1541513866084-8c58f74d-a43b&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Factory built construction is much more efficient than site built with assembly line construction, no weather constraints, and year round construction.<\/li>\n<li>Building materials are purchased in mass volume which drives down the cost, and there are less delays waiting for building materials.<\/li>\n<li>Labor costs are less for experienced company employees versus independent contractors who must each carry their own insurance coverage, independent licensing, and bonds.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;WHERE CAN I PUT A MANUFACTURED HOME?&#8221; tab_id=&#8221;1541513898625-447bb9f5-f375&#8243;][vc_column_text]<span style=\"color: #000000;\">Manufactured homes may go almost anywhere these days; In-town lots, subdivisions, rural settings, planned communities, and developments are all potential locations for your new manufactured home!<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;WHAT TYPE OF FINANCING IS AVAILABLE FOR MANUFACTURED AND MODULER HOMES?&#8221; tab_id=&#8221;1541513931009-017f0591-108d&#8221;][vc_column_text]<span style=\"color: #000000;\">Just as there are choices when you buy a site-built home,<\/span> there are a variety of financing options when you purchase a manufactured or modular home. \u00a0<span style=\"color: #000000;\">If you are buying the home and land together, or plan to place the home on land you already own, financial institutions offer land\/home packages loans with similar interest rates including VA, FHA and USDA loans. \u00a0This type of loan includes the purchase price of the home, land, as well as site improvements. \u00a0Buying a home with land increases both its original value and its ability to appreciate over time.<\/span>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;WHAT ABOUT HOME ONLY FINANCING?&#8221; tab_id=&#8221;1541513968158-c285e520-9359&#8243;][vc_column_text]Manufactured homes can be financed in much the same way as a personal loan. This personal property loan is designed for customers who are going into manufactured home communities where they will be leasing their lot rather than buying\/owning it or going on their own lot where the home will be taxed separately from the lot. The home is the only collateral on this type of loan.<\/p>\n<p>You can still finance your exterior improvements (carports, decks, steps, etc.) as part of this style loan. Because this is a personal loan and not a real estate loan, interest rates are slightly higher than a regular real estate loan. However, there are few or no closing costs and generally no prepayment penalty for early pay-off in part or whole.<\/p>\n<p>This also makes an excellent &#8216;bridge&#8217; loan for those customers who need only short term financing. There are several &#8216;industry lenders&#8217; who fund these loans.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1541514249224{margin-top: 30px !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;FREQUENTLY ASKED QUESTIONS&#8221; font_container=&#8221;tag:h2|font_size:36|text_align:center|color:%233a7de3&#8243; use_theme_fonts=&#8221;yes&#8221;][vc_tta_accordion][vc_tta_section title=&#8221;WILL MY MANUFACTURED HOME ON LAND OR IN A PARK DEPRECIATE?&#8221; tab_id=&#8221;1541513645021-531bd3e0-df72&#8243;][vc_column_text]In general, manufactured homes will appreciate at the same market rate as other homes in the same neighborhood, but, as with all housing, it is subject to the same market factors that affect appreciation, including: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-full-width.php","meta":{"_acf_changed":false,"footnotes":""},"coauthors":[890],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FREQUENTLY ASKED QUESTIONS - HOLTON CREEK HOMES<\/title>\n<meta name=\"description\" content=\"Common questions about both new and used manufactured or modular homes. 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Take a look here or contact us directly.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/holtoncreekhomes.com\/frequently-asked-questions\/\" \/>\n<meta property=\"og:site_name\" content=\"HOLTON CREEK HOMES\" \/>\n<meta property=\"article:modified_time\" content=\"2019-02-22T01:47:32+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data2\" content=\"holtoncreek\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/holtoncreekhomes.com\/frequently-asked-questions\/\",\"url\":\"https:\/\/holtoncreekhomes.com\/frequently-asked-questions\/\",\"name\":\"FREQUENTLY ASKED QUESTIONS - HOLTON CREEK HOMES\",\"isPartOf\":{\"@id\":\"https:\/\/holtoncreekhomes.com\/#website\"},\"datePublished\":\"2018-11-06T14:12:03+00:00\",\"dateModified\":\"2019-02-22T01:47:32+00:00\",\"description\":\"Common questions about both new and used manufactured or modular homes. 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