Manufactured homes offer an affordable entry point for first-time homeowners in Clanton. Financing mobile homes can be tricky, as they may be considered "chattel" loans, with higher interest rates. Because they require fewer materials, mobile homes are sometimes considered a lower-impact housing option. Factory construction enables modular home manufacturers to tightly control quality. HUD has specific standards based on region, including "Wind Zone" ratings to ensure durability in different climates.
Most mobile homes are built on a steel chassis, giving them stability and the ability to be moved when necessary. Placing a manufactured home requires site preparation, including utility hookups and foundation work. Mobile homes may be taxed as personal property rather than real estate unless on a permanent foundation.