A double wide trailer home, more accurately termed a manufactured home, is a prefabricated dwelling comprised of two separate sections that are constructed in a factory and then transported to the homesite for assembly. These homes offer a larger living space compared to single wide models and often feature amenities and designs comparable to traditionally built houses.
Understanding Manufactured Homes: Beyond the “Trailer” Misconception
The term “trailer home” is often used colloquially, but it’s important to understand that modern double wides are legally and structurally different from the mobile homes of the past. The evolution of building standards and regulations has significantly improved the quality and safety of these homes.
A Historical Perspective
Early mobile homes, built before the 1976 HUD code, were often cheaply constructed and lacked proper insulation and safety features. The implementation of the HUD (Housing and Urban Development) code marked a turning point, establishing rigorous standards for design, construction, fire safety, plumbing, electrical systems, and overall durability. Today’s double wides, built to this federal code, bear little resemblance to their predecessors.
Key Characteristics of Double Wides
Double wide homes offer numerous advantages:
- Affordability: Generally, they are more affordable than site-built homes of comparable size.
- Speed of Construction: They can be built and installed much faster than traditional homes.
- Customization: Many customization options are available, allowing buyers to personalize their home’s layout, finishes, and features.
- Energy Efficiency: Modern manufactured homes can be highly energy-efficient, reducing utility costs.
- Appearance: With modern design and landscaping, it can be difficult to distinguish a double wide from a site-built home.
Key Differences Between Double Wides and Single Wides
The primary difference between a double wide and a single wide manufactured home is size. A single wide is typically a single, elongated rectangular structure, while a double wide is comprised of two of these sections joined together. This results in:
- Larger Living Space: Double wides offer significantly more square footage, allowing for more bedrooms, bathrooms, and living areas.
- More Flexible Floor Plans: The two-section construction provides greater flexibility in designing floor plans and layouts.
- Enhanced Structural Integrity: The combined structure of a double wide often results in greater stability and durability compared to a single wide.
Buying and Financing a Double Wide
The process of buying and financing a double wide manufactured home is similar to buying a traditional house, but with some key differences.
Finding a Reputable Dealer
Start by researching and selecting a reputable manufactured home dealer. Look for dealers with a proven track record, positive customer reviews, and a wide selection of homes. Visit several dealerships to compare models, floor plans, and pricing.
Financing Options
Securing financing for a double wide can be different than financing a site-built home. Common options include:
- Chattel Loans: These are personal property loans, often used when the home is placed on leased land or a non-permanent foundation.
- Mortgages: If the home is permanently affixed to land that you own, you may be eligible for a traditional mortgage.
- Government-Backed Loans: FHA (Federal Housing Administration) and VA (Department of Veterans Affairs) loans can be used to finance manufactured homes that meet specific requirements.
Installation and Setup
Once you’ve purchased your double wide, the dealer will arrange for its transportation and installation on your chosen homesite. This process typically involves:
- Preparing the Homesite: This may include grading, leveling, and installing utilities.
- Transporting the Sections: The two sections of the double wide will be transported separately to the homesite.
- Assembling the Sections: The sections will be carefully joined together, and the roof and other finishing touches will be completed.
- Inspections and Approvals: The home will be inspected to ensure it meets all applicable codes and regulations.
Frequently Asked Questions (FAQs) About Double Wide Homes
1. Are double wide homes considered real property?
This depends on whether the home is permanently affixed to land that you own. If it is, and if the title to the home has been surrendered and recorded with the land, it is typically considered real property. If not, it may be considered personal property.
2. How long do double wide homes last?
With proper maintenance, a well-built double wide home can last for 30 years or more. The lifespan can be extended through regular inspections, repairs, and preventative maintenance.
3. Can I customize a double wide home?
Yes, most manufacturers offer a wide range of customization options, allowing you to choose from different floor plans, finishes, appliances, and other features.
4. Do double wide homes depreciate in value?
The depreciation of a double wide home depends on several factors, including location, market conditions, and the quality of construction. Homes that are permanently affixed to land and maintained well tend to hold their value better than those that are not.
5. Are double wide homes safe in storms?
Modern double wide homes built to HUD standards are designed to withstand wind and snow loads that are comparable to site-built homes in the same region. The HUD code specifies requirements for structural integrity and resistance to natural disasters.
6. What are the ongoing costs of owning a double wide home?
Ongoing costs include property taxes (if the home is considered real property), insurance, utilities, maintenance, and any lot rent or homeowners association fees.
7. Can I add on to a double wide home?
Yes, it is possible to add on to a double wide home, but it may require obtaining permits and complying with local building codes. It is important to consult with a qualified contractor or architect to ensure that the addition is structurally sound and aesthetically pleasing.
8. What is the difference between a manufactured home and a modular home?
While both are built in factories, modular homes are constructed to the same state and local building codes as site-built homes. Manufactured homes are built to the federal HUD code. Modular homes are typically transported in sections and assembled on a permanent foundation, while manufactured homes can be placed on a variety of foundations.
9. Can I put a double wide home on any piece of land?
Zoning regulations and restrictive covenants may limit where you can place a double wide home. It’s crucial to check with local authorities to ensure that your chosen homesite is zoned for manufactured housing and that there are no restrictions that would prevent you from placing a double wide there.
10. What type of foundation is required for a double wide home?
The type of foundation required depends on local building codes and financing requirements. Common options include concrete slabs, piers, and basements. For securing a traditional mortgage, a permanent foundation is typically required.
11. How do I maintain a double wide home?
Regular maintenance tasks include inspecting and repairing the roof, checking for leaks, maintaining the plumbing and electrical systems, and addressing any structural issues promptly. Following the manufacturer’s recommendations for maintenance is essential.
12. Where can I find more information about double wide homes and manufactured housing?
Resources include the Manufactured Housing Institute (MHI), the U.S. Department of Housing and Urban Development (HUD), and local manufactured home dealers. These sources can provide valuable information about buying, financing, and maintaining a double wide home.