? about HUD number on home...

[dk_40207]

Going back to the discussion on manufactured/modular homes..I have a new question.
We were looking at the very little info that we have on the home, as we bought it as a forclosure. The hud number is actually two numbers that are consecutive. example: 456123/456124 I have NO knowledge of these things, but that had me thinking...does that mean it is a modular? Can you tell from that.
Reason: Our interest rate got hiked like two% right before closing because the apraiser said it was manufatcture home, not modular as it was listed...because it was on steel, not wood.
How can we tell?
dks girl

[SteveD(TX)]

On frame modulars and manufactured housing both come on steel frames. Only off-chassis (off-frame for those who don't understand the term) are mounted directly to the foundation without the steel frame. Here is a link to HUD labels for modulars. Sometimes it can be tricky to find out exactly how it's classified.

http://www.ibts.org/mod_home.htm

[dk_40207]

Thanks, SteveD. I'll check it out.
edited to add: Steve, I didn't understand what I was looking for on this website. Am I looking for a sticker somewhere on the house that says the type of house? That is what popped up when I clicked IN, but the rest of the text is far too small to see. Can I actually run the HUD numbers somwhere?
Thanks.
dk's girl

[SteveD(TX)]

Originally Posted by dk_40207

Thanks, SteveD. I'll check it out.
edited to add: Steve, I didn't understand what I was looking for on this website. Am I looking for a sticker somewhere on the house that says the type of house? That is what popped up when I clicked IN, but the rest of the text is far too small to see. Can I actually run the HUD numbers somwhere?
Thanks.
dk's girl

You are looking for a sticker that looks like the one in the link. If it has one, then you have a modular. If not, it's probably a manufactured home (they have a sticker also). There is a phone no. in the link that you can call. Or, you can call HUD (good luck) or the manufacturer.

The biggest difference between manufactured homes and modulars: MH's are brought in typically in 1 to 3 sections (single-wide, double-wide, and triple-wide). The roof is already attached, the frame is on top of axles with the wheels underneath. A modular is typically brought in on top of a flat bed truck in pieces, then a crane lifts them off and attaches each component to the foundation, then puts the roof on. You need to have your foundation and plumbing ready to go prior to delivery. Some modulars look more like man. homes, some don't. Some are assembled off-chassis, some are on-chassis with the former being the most expensive but easiest to finance. And modulars are built according to state and local building codes. If you google modular vs. manufactured, you will find lots more help, I'm sure.

[amwitched]

DK - my serial # and HUD # is on a sticker located on the wall in my master bedroom closet. I believe that I used to have a metal plate mounted to the outside rear of the MH, too. That was "lost" when we re-did the siding.