Manufactured homes, sometimes known as “mobile homes” are built according to specific guidelines set by the federal building code and governed by the U.S. Department of Housing and Urban Development (HUD.) HUD is a part of a national program established to protect owners of manufactured homes by enforcing rigorous federal safety standards for home construction and the administration of dispute resolution. According to HUD guidelines, a manufactured home must be constructed in a controlled manufacturing environment and is transported in one or more sections on a permanent chassis. The Office of Manufactured Housing (MHS) administers HUD’s federal standards for the design and construction of manufactured homes and may preempt state and local laws that do not conform to HUD standards.
A label tag and data plate are issued for HUD certified homes and attached by the manufacturer. The HUD tag indicates a 3 letter designation and 6 digit number identifying the primary production inspection agency. The HUD tag is a metal plate affixed to the outside of the home. Additionally, a data plate informing of the Wind Zone, Snow Load and Roof Load of the home, along with other manufacturer specific information including a serial number and model of the unit, is issued and can be found usually inside the home, either near the main electrical panel, in a kitchen cabinet or a bedroom closet. These verification labels are required for the sale or resale of a manufactured home.
Manufactured homes are found in communities dedicated to this type of housing and on private property zoned for manufactured home lots. All manufactured homes from Jacobsen Homes are HUD certified and conform to all federally mandated standards.
Why is HUD certification important?
To qualify for financing associated with a HUD program, the mortgage can only be granted if the manufactured home meets the requirements and is certified by the manufacturer in accordance with the state agency that regulates manufactured home builders and retailers. There are many financing options including those provided by local retailers and government-insured loans offered by the Federal Housing Administration (FHA), the Veterans’ Administration (VA) and the Rural Housing Services (RHS) under the U.S. Department of Agriculture. Each state has an agency that regulates manufactured home construction and retailers.
Jacobsen Homes, an industry leader
A trusted leader in the manufacturing home industry, Jacobsen Homes has produced manufactured homes since 1959. Whether you choose a professionally designed floor plan or work with a designer on a custom plan, Jacobsen Homes provides flexibility and options. For first home buyers, retirees, or those looking to purchase a second home, Jacobsen Homes can make your next home a reality. Click here to access a comprehensive listing of communities and retail centers featuring Jacobsen Homes in Florida.