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What is the Difference Between a Mobile, Modular or Manufactured House?
In Wisconsin there are many pre-built homes that are used as vacation homes as well as permanent residences.  Often these homes are called mobile, modular or manufactured interchangeably, but they are very different in construction and use.  The 2009 market has seen a reduction in interest by lenders to provide mortgages for some of these homes and it is therefore important to be able to recognize one from the other.
A mobile home is just that - mobile.  It will have an axle with wheels and a tow bar that allows it to be moved from location to location.  These homes are titled as personal property and are not real estate.  In Wisconsin, a Realtor can only sell two of these properties per year.
A manufactured home also had an axle with wheels and was towed from the factory to the dealer.  When purchased from a dealer the unit is towed to the building site and permanently placed on a foundation system.  The axle, wheels and tow bar are removed.  Since 1976 these homes have been built to HUD standards and have a HUD identification number assigned.  There are HUD plates attached to the outside wall that must be kept on ... more

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