Mobile homes are particularly vulnerable to wind, so some are anchored with straps to increase stability. Older mobile homes may not meet modern building codes, which could limit where they can be placed. Many retirees, especially in the U.S., live in mobile homes seasonally, moving between warmer and cooler climates. Using precise factory-cut materials reduces waste and overall building costs. Modular homes are increasingly popular, especially in high-demand areas like Birmingham with limited housing.
Modular homes increasingly incorporate modern design elements, including sleek lines and open spaces popular in Birmingham. Manufactured homes offer an affordable entry point for first-time homeowners. Financing for manufactured homes can be through chattel loans, FHA loans, or even VA loans in some cases. Mobile homes are particularly vulnerable to wind, so some are anchored with straps to increase stability. They’re often built to the HUD (U.S. Department of Housing and Urban Development) code, which includes standards for safety, energy efficiency, and construction.