Oak Creek Homes – Your Ultimate Dream Home Destination

Welcome to Oak Creek Homes, where we are dedicated to turning homeownership dreams into reality, one home at a time. In this article, we will delve into the undeniable advantages of owning a manufactured home versus a traditional site-built home, and why Oak Creek Homes stands out as the ultimate choice for your dream home. We’ve been in the manufactured housing industry for more than 50 years. If you are seeking a home that offers exceptional quality, affordability, faster move-in times, energy efficiency, and weather readiness, look no further.

Unbeatable Affordability – Elevating Your Lifestyle

Discover the unmatched affordability of Oak Creek manufactured homes. According to the latest data from the Texas Manufactured Housing Institute, our manufactured homes cost up to 46% less per square foot compared to site-built homes. This substantial cost advantage allows you to enjoy more space, amenities, and modern luxuries without exceeding your budget. Customize your dream home without straining your finances.

Here’s what Brittany, one of our satisfied customers, has to say:

Faster Move-In Times – Your Dream Home Awaits

Time is of the essence, and at Oak Creek Homes, we understand your eagerness to settle into your dream home. Our manufacturing process ensures that your home is completed 30% to 60% faster than a traditional site-built home. Bid farewell to lengthy waiting times and relish the satisfaction of stepping into your new home in record time. Experience the seamless journey to homeownership with Oak Creek manufactured homes.

Exceptional Quality and Safety Standards – Crafted for Perfection

At Oak Creek Homes, we prioritize crafting homes that stand the test of time. Our manufactured homes adhere to stringent federal construction and safety standards set by the U.S. Department of Housing and Urban Development (HUD). From design and structural integrity to energy efficiency and fire safety, every facet of our homes is meticulously designed to exceed industry standards. Rest assured that your Oak Creek manufactured home symbolizes unwavering quality and enduring durability.

Customization at Your Fingertips – Tailor Your Ideal Home

Your home should reflect your unique vision and lifestyle. At Oak Creek Homes, we empower you with an array of floor plans and design options for customization. Whether you desire an open-concept layout, a gourmet kitchen, or a cozy retreat, our manufactured homes serve as the canvas for your dreams to come to life. Your vision becomes a reality with Oak Creek Homes, making every moment in your personalized sanctuary truly special.

Energy Efficiency and Heavy-Duty Construction – Paving the Way to a Sustainable Future

Embrace sustainability and energy efficiency with Oak Creek manufactured homes. Many of our homes are ENERGY STAR® certified, aligning with stringent energy efficiency guidelines set by the U.S. Environmental Protection Agency (EPA). Opting for an energy-efficient home not only reduces your carbon footprint but also leads to substantial utility bill savings. Our homes feature heavier construction compared to our competitors, incorporating more steel, lumber, and materials. These sturdy heavy homes provide enhanced insulation and weather resistance, further contributing to sustainability and peace of mind.

Oak Creek Homes – Your Weather-Ready Sanctuary

Residing in Texas entails facing diverse weather challenges, but Oak Creek Homes has you covered. Our manufactured homes are builtstrong, and engineered to endure all weather conditions, ensuring your family’s safety and comfort.

Our homes are constructed within a controlled factory environment, shielding materials from adverse weather conditions. We employ top-quality construction materials, including a 50-year warranty on Smart Panel siding. This engineered wood can withstand impacts, freeze/thaw cycles, and high humidity. Our weather-ready manufactured homes stand strong even against the most severe Texas-sized storms. We proudly partner with NOAA and other agencies as a Weather-Ready Nation Ambassador, helping prepare the nation for extreme weather conditions. Choose an Oak Creek manufactured home for a secure and reliable sanctuary for your family.

Experience Affordable Luxury – Your Dream, Your Way

At Oak Creek Homes, we believe that luxury should be accessible to all. Our manufactured homes feature meticulous craftsmanship and attention to detail, bringing affordable luxury within reach. From elegant finishes to modern amenities, we create spaces that elevate your living experience, providing the perfect blend of opulence and practicality. Standard affordable luxury features can include kitchen sharing islands, walk-in pantries, beverage bars, built-in entertainment centers, spacious walk-in tile showers, soaker tubs, walk-in closets, built-in desks, mudrooms, and covered porches, just to name a few.

Explore Our Customer Stories

Still uncertain? Discover the satisfaction of Oak Creek manufactured homes through our customer stories. Hear firsthand experiences from delighted homeowners who chose Oak Creek Homes. Join the ranks of families who have unlocked the Oak Creek difference.

Your Dream Home Awaits at Oak Creek Homes

In conclusion, when considering your ideal home, choose the unmatched advantages of Oak Creek manufactured homes. Experience unbeatable affordability, faster move-in times, exceptional quality, and energy efficiency, all while knowing your home is weather-ready to protect your family through any storm.

Uncover the Oak Creek Homes difference today. Visit OakCreekHomes.com to explore our extensive selection of homes and take the first step toward owning the home you’ve always envisioned. Elevate your living with Oak Creek manufactured homes, the epitome of affordable luxury and weather-ready living. Your dream home awaits – begin the journey with Oak Creek Homes.”

Contact Us

Have additional questions or ready to tour an Oak Creek Home in person? Please fill out the form below and let us know how we can best help you.

Educational Resources

Check out our Complete Manufactured Home Buying Guide.

Oak Creek Homes offers a diverse selection of over 100 floorplans to suit various styles, tastes, and budgets. We can deliver to Texas, Oklahoma, Louisiana, and parts of New Mexico, bringing quality homes and exceptional living experiences to families across the region.

The post Oak Creek Homes: Your Better Choice Over Site-Built appeared first on Oak Creek Homes.

Discover Smart Cottage Living: Inspiring Design and Innovation

Discover the essence of modern living with Mike and Kary Pickett as they invite us on a video tour of their beautiful Smart Cottage: The Falcon. This 2-bed, 2-bath home nestled along Sam Rayburn Lake in Etoile, TX, showcases innovation and creativity. See how they thoughtfully extended the signature porch and added a charming guest house, showcasing the elevated Smart Cottage design features throughout their property. Join us and experience the cozy and innovative atmosphere that defines Smart Cottage living, transforming the way we envision home.

Customer Story

The Falcon stands as a truly one-of-a-kind manufactured home, showcasing a distinctive exterior design with charming bump-outs and tall windows, creating a sense of spaciousness inside. As one of Oak Creek Homes’ 15 Smart Cottage floorplans, The Falcon is a popular choice, offering a bigger and better alternative to traditional tiny homes. Unlike the compact size of typical tiny homes, Smart Cottages range from 620 to 1292 sqft, giving homeowners more room to breathe and live comfortably.

 
Smart Cottage homes are versatile, making them an ideal choice for various settings, from lakeside or beachfront properties to cozy ranches. They are perfect for downsizing, creating a backyard guesthouse, hosting parents, starting a BNB, or even crafting a trendy millennial modern dwelling. With a wide array of sizes and floor plans to choose from, each Smart Cottage can be customized to match your unique preferences and lifestyle.

Smart Cottages can be built as either manufactured or modular homes, offering flexibility to suit your needs.

Wondering how these remarkable Smart Cottages come to life? Witness the meticulous craftsmanship inside our factory, ensuring you get a home that reflects your vision and aspirations. Take the Smart Cottage Factory Tour.

Contact Us

If you’re ready to discover Smart Cottage living or have any questions, reach out to us today, and our experienced team will be more than happy to assist you.

At Oak Creek Homes, we’ve been fulfilling the American dream of homeownership for over 50 years. Smart Cottage is just one of several home lines we offer, with a diverse selection of over 100 floorplans to suit various styles, tastes, and budgets. We can deliver to Texas, Oklahoma, Louisiana, and parts of New Mexico, bringing quality homes and exceptional living experiences to families across the region.

Join the Smart Cottage movement and embrace the future of modern living with us! Experience the joy of living in a space that truly reflects your dreams and aspirations, combining innovations, elegance, and functionality all in one cozy package.

The post Smart Cottage: Smart Design Inspiration appeared first on Oak Creek Homes.

Plan for a Hurricane or Severe Weather

Getting your mobile or manufactured home ready for the hurricane season is crucial to keep it safe during bad weather. Here is a checklist to help you prepare and stay protected:

Storm Preparation Checklist

1. Make a plan:

• Create a family emergency plan with contact information and a meeting spot.
• Learn the evacuation routes and find nearby shelters if you need to leave.

2. Trim trees and clear debris:

• Cut branches near your home that could break during strong winds.
• Remove anything in your yard that could become dangerous in a storm.

3. Secure outdoor belongings:

• Bring inside or tie down outdoor furniture, grills, and loose objects.
• Store or secure things like potted plants, garden tools, and toys.

4. Reinforce doors and windows:

• Put up storm shutters or cover windows with plywood.
• Make sure doors are locked and consider adding extra locks.

5. Check tie-downs and anchors:

• Make sure your home is firmly attached to its foundation.
• If needed, ask someone to check and strengthen the tie-downs.

6. Seal windows and doors:

• Look for any gaps or cracks around windows and doors.
• Use special strips or caulk to seal them and keep water out.

7. Inspect your roof:

• Check for loose or damaged shingles and fix them quickly.
• Make sure your roof can handle strong winds.

8. Clear gutters and downspouts:

• Remove leaves and debris from gutters and downspouts.
• Make sure water can flow away from your home during heavy rain.

9. Review insurance coverage:

• Read your insurance policy to make sure it covers hurricanes and storm damage.
• Think about getting flood insurance if you live in a flood-prone area.

10. Keep emergency supplies ready:

• Prepare a kit with water, non-perishable food, flashlights, and batteries.
• Keep important documents and medications in a waterproof container.

Stay updated about the weather here and follow evacuation orders from local authorities. Stay safe and be prepared! To learn more about tropical storms and hurricanes, visit nhc.noaa.gov or Ready.gov/hurricanes.

Oak Creek homes are Weather-Ready

Oak Creek Homes works with NOAA and other partners to make our country ready for severe weather. We focus on building strong homes that can handle tough weather. Our homes are made to endure extreme conditions and keep you and your family safe. See 15 Reasons why an Oak Creek Home is weather-ready. Don’t just take our word for it – hear from happy customers whose homes have stayed strong during tornadoes and hurricanes.

IMPORTANT NOTICE: We do NOT suggest or advocate staying in your home during a storm with high winds, heavy rains, or flooding. On the contrary, we strongly advise our customers to stay aware of the risks associated with any weather event and follow the guidance and instructions given by local authorities to ensure their safety.

Contact Us

Experience the top-notch construction of our homes by scheduling a visit at your nearest Oak Creek Home Center today. Come and see for yourself!

Oak Creek Homes has over 100 floorplans for you to choose from, suiting various styles, tastes, and budgets. We deliver homes to Texas, Oklahoma, Louisiana, and some parts of New Mexico. With over 50 years of experience, Oak Creek Homes is an experienced builder in the industry.

The post Preparing your Manufactured Home for a Storm appeared first on Oak Creek Homes.

No matter what you have heard from anybody, your mobile, manufactured, or modular home DEFINITELY has value!  No matter what year it was built, how many times it has been moved, or what condition it is in, your home is valuable to someone. And, depending on who is buying your home, its value can vary.

Let’s take a look at some of the different values your home can have.

Retail Value

The retail value of your mobile / manufactured home is the estimated amount of money that a retail buyer should pay for the home.  A retail buyer is an end user of the home and is not looking to resell the home.

Wholesale value

The wholesale value of a mobile / manufactured home (also referred to as trade value) is the estimated amount of money that a wholesale buyer would pay for your home. A wholesale buyer is a buyer who intends to resell the home to a retail buyer for a profit.

Usually, the wholesale value of a mobile / manufactured home is lower than the home’s retail value.

Loan Value

The loan value of a mobile / manufactured home is the estimated amount of money that a bank or other lender would issue as a loan against the home.  Although the loan value can be the same as the wholesale value of a home, it can also differ in some cases.

Value Considerations

Mobile homes and modular homes can vary in their ability to hold their value depending on several factors such as location, age, condition, and market demand. Here are some general considerations:

Location

Like traditional homes, the location of a mobile home or modular home can significantly impact its value. If the home is situated in a desirable area with good schools, amenities, and a strong housing market, it is more likely to hold its value.

Age & Condition

The age and condition of the mobile home or modular home can also affect its value. Newer homes that are well-maintained and in good condition generally hold their value better than older homes that may require repairs or updates.

Market Demand

The demand for mobile homes and modular homes can vary depending on local market conditions. In areas where there is a high demand for affordable housing, mobile homes, and modular homes may hold their value better compared to areas with lower demand.

Ownership Type

Ownership type can also affect the value of mobile homes and modular homes. If the homeowner owns both the land and the home, it is more likely to hold its value compared to homes where only the structure is owned and the land is leased.

Depreciation

It’s important to note that mobile homes, in particular, can depreciate in value over time, similar to vehicles. This means that their value may decline over the years, which can impact their ability to hold their value.

Resale Market

The resale market for mobile homes and modular homes can also impact their ability to hold their value. If there is a robust market for used mobile homes or modular homes in a particular area, it may be easier to sell them and hold their value.

How To Find The Value Of Your Home?

It’s important to note that estimating the value of a mobile or manufactured home can be more complex than traditional homes due to factors such as depreciation, location, and ownership type. Therefore, it’s recommended to use multiple methods and consult with qualified professionals for a more accurate estimate of your home’s value. Here are some things you should consider:

Appraisal by a Professional

Hiring a professional appraiser who specializes in mobile or manufactured homes can provide you with an accurate estimate of your home’s value. Appraisers typically consider factors such as the home’s age, condition, location, size, features, and comparable sales in the area to determine its value. You can find qualified appraisers through a local real estate or appraisal association, or by searching online.

Comparative Market Analysis (CMA)

You can request a CMA from a local real estate agent who has experience with mobile or manufactured homes. A CMA involves comparing your home to similar homes that have recently sold in your area. Real estate agents have access to databases with information on recent sales, which can help them provide an estimated value for your mobile or manufactured home.

Online Valuation Tools

There are several online valuation tools that provide estimates of mobile or manufactured home values. These tools use algorithms and data from various sources to estimate the value of your home based on factors such as location, size, and condition. However, it’s important to note that online valuation tools may not always be accurate and should be used as a rough estimate.

Local Tax Assessment

Some local tax assessors’ offices may provide assessed values for mobile or manufactured homes. However, these values are typically used for tax purposes and may not always reflect the true market value of the home.

Manufactured Home Value Guides

There are several manufactured home value guides available online, such as the NADA (National Automobile Dealers Association) Manufactured Housing Appraisal Guide and the Blue Book for Manufactured Homes. With the NADA option, you can purchase a report that gives you an estimated value of your home. The cost of this report varies from $30 to $50, depending on how detailed of a report you would like.

Have Questions?

We’d LOVE to hear from you! Please fill out the form below and let us know how we can best help you.

If you’re looking for a new manufactured or modular home, Oak Creek Home offers over 100 floorplans to choose from! We have homes for every style, taste, and budget. Find your nearest Oak Creek Home Center. We deliver to Texas, Oklahoma, Louisiana, and parts of New Mexico. Manufactured home builder Oak Creek Homes has been building manufactured houses and modular homes for over 50 years.

The post What is the Value of my Mobile Home? appeared first on Oak Creek Homes.

Oak Creek Homes offers 100+ floorplans to choose from… so it’s hard sometimes to single out a favorite. Each singlewide or doublewide floorplan we offer has a unique set of AFFORDABLE LUXURY STANDARD FEATURES… all of which you can not find with a typical cookie-cutter site-built home for the same price! So, we picked a few of our most popular manufactured and modular homes that showcase popular affordable luxury standard features… and had customers vote which they liked best! So, get ready to Fall in Love with 𝓐𝓯𝓯𝓸𝓻𝓭𝓪𝓫𝓵𝓮 𝓛𝓾𝔁𝓾𝓻𝔂 (if you haven’t already)! The winners are….

Voted Best Home Series by Customers

Customers voted the Smart Cottage BEST HOME SERIES in 2023! The Smart Cottage beat out the Silver Spur and Magnificent 7 Home Lines to win top honors. The Smart Cottage comes with a choice of 15 floorplans, 1-3 bedrooms, 1-2 bathrooms, and 1 porch or 2. We started with a tiny home idea and realized there was a need for a bigger, better design. Thus, the Smart Cottage was born. It’s smarter in design, function, energy efficiency, and pricing than a typical tiny home too! Plus, it has a unique exterior design. Its hallmark is tall banks of windows that allow for lots of natural light.

Smart Cottage homes are a great choice for a lake, beach, or ranch property, downsizing, a backyard guest or parents’ house, a farmhouse, or a millennial modern home. They come in many sizes and floor plans. Just like most of our homes, Smart Cottages can be customized and finished the way you want them! Enjoy 𝓐𝓯𝓯𝓸𝓻𝓭𝓪𝓫𝓵𝓮 𝓛𝓾𝔁𝓾𝓻𝔂 features like transom windows, vaulted ceilings, ceramic tile kitchen backsplash, an optional large sharing island, plenty of cabinets, and a walk-in tile shower.

Find your very own Smart Cottage, plus step inside our Ft. Worth Factory to see how Smart Cottages are built here.

Voted Best Kitchen by Customers

Her “pearly” white will make you smile! And so will her kitchen. Customers voted the Pearl BEST KITCHEN in 2023! This modern 3-4 bedroom, 2-2.5 bathroom farmhouse beat out the Haven and the Beaumont with its bright and airy design. The Pearl’s unique mix of 𝓐𝓯𝓯𝓸𝓻𝓭𝓪𝓫𝓵𝓮 𝓛𝓾𝔁𝓾𝓻𝔂 standard feature ingredients, so to speak, include… a trey wood ceiling with beams, a sharing island to help prep and prepare meals, a farmhouse sink, a range hood, and stainless steel appliances, plus a butler’s pantry! The recipe gets even better when your favorite meal can be served on Pearl’s wrap-around front porch. Be sure and check out every room of the Pearl here.

Voted Best Bathroom by Customers

Customers voted, and the Opal soaked up the honor for BEST BATHROOM in 2023! The Opal’s bathroom design flushed away its competition, the Magnolia and the Cheyenne, with its 𝓐𝓯𝓯𝓸𝓻𝓭𝓪𝓫𝓵𝓮 𝓵𝓾𝔁𝓾𝓻𝔂 features that include square sinks, designer faucets, a separate stand-alone soaking tub, plus huge walk-in shower! Did we mention that it connects to a huge walk-in closet? See more pictures of the Opal here.

Voted Best Open Space by Customers

Customers voted, and the Boerne took home top honors for BEST OPEN SPACE! The Boerne knocked out its competition, the Javelin and the Gold Spur, with its cozy and sophisticated design of 𝓐𝓯𝓯𝓸𝓻𝓭𝓪𝓫𝓵𝓮 𝓛𝓾𝔁𝓾𝓻𝔂 features which include a recessed ceiling and clear view from the living room to kitchen to eat-in dining area! The open space is just right for entertaining family and friends or for just sitting and reading a book in front of the LED fireplace on a cozy night. See more pictures of the Boerne here.

Voted Best Beverage Bar by Customers

Here’s what’s brewing next… Customers voted, and the Sofia beat out the Bandera and the Bella for BEST BEVERAGE BAR. Sofia’s beverage bar offers not only a sleek and modern design but sophistication! This beverage bar is the perfect wake-up call for love, laughter, and coffee – like the sign says ;). It’s also the perfect way to get your day started! Drink in 𝓐𝓯𝓯𝓸𝓻𝓭𝓪𝓫𝓵𝓮 𝓛𝓾𝔁𝓾𝓻𝔂… because you can also use this beverage bar for game night to showcase your favorite drinks.

Contact Us

Have questions or want more information? Our friendly team members would be happy to talk with you. Feel free to contact us to schedule a visit or tour as well.

Additional Educational Resources

• 8 Things to Consider when Choosing a Manufactured Home Builder.
• 19 Questions to Think About Before Buying a Manufactured Home.
• Discover Affordable Luxury in Construction, Design, and Standard features! Plus, Take a Factory Tour and See How Oak Creek Homes are Built.

Manufactured Home Builder Oak Creek Homes has been building affordable luxury heavy homes for over 50 years! Find your nearest Oak Creek Home Center.

The post The Votes are in… Customers Top Picks in 2023! appeared first on Oak Creek Homes.

The Buying Process for Mobile, Manufactured, & Modular Homes

Whether you’re looking to buy a mobile home, manufactured home, or modular home right now or later down the road, we want to help you understand what the buying process looks like.

These types of homes are great for those of you who are budget-minded, looking for a starter home, downsizing, needing a ranch or lake property, or even a guest house. When it comes to buying a mobile, manufactured, or modular home, the process is a little different from buying a previously constructed single-family home or townhome. In this guide we will take a look at what this home buying process looks like by breaking it down into three parts:

1. Five Steps you Need to Complete in the Home Buying Process
2. Financing Considerations
3. Home Site Selection and Home Site Preparation

Five Steps you Need to Complete in the Home Buying Process

Determine your Family’s Needs

Have an idea of some general features you need. How many bedrooms and bathrooms?  Most mobile homes now all have at least 2 full bathrooms.  Do you need a living room and family room or just a larger “great room”?  What would you consider as being the key area for you in your new home?  Are there special needs or considerations such as furniture size, bedroom size, special needs, etc.?

Determine a Budget

Typically lenders use a budget calculator to determine what your payment capacity is. You can find several programs online that will help you do that.  A general rule of thumb is that your monthly payment will be about .8 -1% of the amount you borrow. The lenders will take into account your current debts to determine what your manufactured house payment limits are.

Choose a Builder

There are many different builders that produce a wide range of products. Some focus on building as inexpensively as possible while others concentrate on a combination of affordability and quality construction.  It’s important that you have defined what your priorities are before visiting a mobile home dealership. What is on your top 5 list of features you are looking for in a home? Does the builder reflect the same construction priorities that you have identified? When you visit the dealership do you experience someone who wants to help you find your home or someone who just wants to earn a commission? Did they listen to you? What are their google reviews like? What have others experienced who have gone before you?

Find your Dream Home

Once you’ve developed your “shopping list” it’s time to have fun. When you visit your manufactured home dealership, share with them the things you are looking for.  Be as detailed as possible. That will help your home consultant narrow down the search and help you find your new home sooner.  Don’t hesitate to ask questions. Your home consultant should be able to help guide you through the process in a friendly, informative, and professional manner.  Don’t be afraid to share information. You can’t go to the doctor and have him guess what your needs are.

Design your New Home

The design of manufactured and modular homes has come a long way from the long, dark trailers of yesteryear. Manufactured home exteriors can match any style, from traditional ranch homes to cozy log cabins to chalets to cool coastal retreats. Inside – depending upon the model of your home…. You can choose paint colors, cabinet colors, and kitchen countertops. You might be able to customize some additional features as well… like adding stainless steel appliances or a farm sink and gooseneck faucet. Check out this previous post to see more on how you can customize a manufactured or modular home.

Financing Considerations

Financing a manufactured home, mobile home, or modular home is much different than financing a residential home. Here are some critical topics that you’ll need to consider when applying for a new home loan.

Credit Scores

One of the two most common questions we get is “What kind of credit score do I need to buy a mobile, manufactured, or modular home?” Great question. Most lenders have minimum scores that they are looking for. There are lenders who can work with bruised credit that is below 600 while others are looking for scores above 620 to 640. Sometimes lower credit scores can be overcome by increasing the amount of the down payment. Learn more about credit scores in a previous post here. When you talk with your home consultant it will be helpful to know where you stand in terms of credit score.

Note: Keep in mind our home consultants are not Licensed Mortgage Loan Originators. But part of their job is to help assemble the information that you need to make the application and then help the lender in collecting any other documents they may request to evaluate the application.

Down Payments

Down payments for mobile, manufactured and modular homes will depend on the type of loan and your overall credit profile. There are zero-down programs such as VA, USDA, and even a few available from non-government-backed sources. Typically, you should prepare for a minimum of 5% to start with. The down payment total won’t be called for until closing, so you’ll have some time to save a bit more.

There are Two General Types of Home Loans

Government-backed loans – FHA, VA, USDA

Non-Conforming loans – basically function similarly to private banks

• Land/home – use of land in the transaction
• Home only or Chattel loans – only consider the valuation of the home as collateral.

Government-insured loans, like HUD-backed FHA loans and VA loans, are financing options for manufactured homes or modular homes. Banks and home manufacturers offer more traditional chattel loans and mortgages to those of you at home shopping as well.

Using Land vs Home-Only Transactions

Your financing considerations will vary depending on your land situation. Do you own land, or do you need land?

You Own Land

Many people use land as a down payment for mobile, manufactured, and modular homes. Doing this can help secure a traditional mortgage and lower interest rates.  In fact, oftentimes lenders can use the land equity to offset cash down payment requirements. Oak Creek Homes has done several loans with Zero Cash Down when the land equity and credit were acceptable to the lenders.

You Need Land

If you don’t have land, most dealerships can help you in locating a suitable homesite. Are you looking for private land or would it be more beneficial for you to consider a leased land option? Depending on the type of loan package, you may be able to include the land purchase into your home package (for more information see our “Should I find my land before buying” post). 

Using leased land for your new home is a viable consideration. Most communities provide favorable sites with amenities that may include swimming pools, playgrounds, yard maintenance, garbage service, and city sewer services.

You can also do “home only” loans or chattel. While these loans typically have shorter loan lengths, and a bit higher interest rates, they can be a good choice because they also have lower closing costs. They keep the land “out of the deal” and only involve the land as collateral.

Securing Financing

Make a “good faith deposit” – Statistics show that presenting a good faith deposit increases the likelihood of getting favorable approval. The deposit shows your good intentions to make the purchase and also demonstrates to the lender that you have part of, if not all of the down payment on hand. Actual down payment requirements are determined by the lender based on your credit profile and the type of loan you are trying for. There are some “zero down” loans available but it’s still good to do a deposit to show good faith. That deposit can either be refunded at closing or can be applied to the loan at closing, whichever you choose. Check with your manufactured home dealership and make sure that the deposit is 100% refundable if the mobile home loan is not approved or if you change your mind.

Provide income – When you fill out the application provide accurate information on your income, detailing all sources. The lenders are looking for “pre-tax” figures.  If you are paid overtime you will list that amount separately from your “regular” pay.  Usually, to be counted, overtime must have been earned for at least 2 years prior.

Supply all documentation needed – Documentation is KING: Lenders will want you to provide different documentation. Expect to provide your last 2 years of w2s, 2 months’ worth of pay stubs, 3-months’ worth of bank records, copies of SSI awards letters or pensions, and a copy of the deed or land lease.  Additionally, the bank may ask you to provide other documents as well. While this may seem burdensome, it is an essential part of buying a home.

Shop lenders – Credit scores are usually the ones affected once you make multiple applications within a 30-day period. I usually suggest that you approach at least 2 different lenders so you can get a comparison of offers. Things to consider when you review your lender response are terms of the home loan, interest rate, and fees. Sometimes it makes more sense to look at loan offers with lower loan fees even if the rate is higher. See a full list of lenders we work with here.

Determine your payment – I know a common question, “What will my mortgage payment be?” You can use a general rule of thumb when estimating what your payment will be. Your mortgage payment amount will be a result of 3 factors.

• Credit scores
• Amount of down payment
• Term on the loan – how long is the loan for?

Here is a calculator that can help in determining your payment

Again, be mentally prepared to provide additional documentation that the lender may require. Understand that your manufactured home consultant is not the bank, but they are there to help expedite the process. 

Home Site Selection and Home Site Preparation

Let’s review what considerations come into play during the home site selection and home site preparation processes for your mobile, manufactured, or modular home.

Site Selection for Mobile, Manufactured & Modular Homes

When considering a home site location be sure to check on any local zoning or deed restrictions. Some home sites that are within city limits may require modular construction standards to meet city code for single-family dwellings. Oak Creek builds a wide range of modular home plans that meet local construction codes for single-family dwellings.

Site Preparation for Mobile, Manufactured & Modular Homes

Once you’ve found your land, here are some items you need to consider while preparing your mobile home site.

Note the lay of the land. When you are doing site prep for a mobile home, you’ll want to take note of any obvious indications of where the drainage may occur. You do not want to put your home in a low-lying area that could allow for water to accumulate under the home.

Note any obstacles that may make delivery more complicated. We suggest that you walk the property and get several different vantage points.  Are there any trees or other natural features that may affect the placement of the home?

Check on “set back” requirements. Knowing how far from the property lines you have to place your mobile home can avoid costly mistakes.

Determine what utilities need to be installed. Does your selected home site already have water, sewer/septic, and electrical available? If your selected home site does not have all of these available – does your modular home dealer provide these general contracting services in addition to the cost of the home? Or will you have to secure those services outside of your purchase agreement? Be sure that the bids are from contractors who have the proper licenses and approvals to do the work in the area where you are putting your home.

Will you need a foundation? Some lenders do not require a concrete foundation as part of the home package while others do. Modular houses will always require an engineer designed and inspected foundation.  It’s recommended on all of our double-wide section homes. In the State of Texas, any new manufactured home that is wider than 16’ and going on private property requires a “home pad” to be installed to help insure proper water drainage.

Have a home site inspection. It’s a good idea to have your mobile home dealer do a physical site inspection at your proposed location to help identify any setup or home site preparation issues beforehand.

Check the dealership’s policy for set-up inspections. Here at Oak Creek Homes, we have decided to use an independent 3rd party engineering firm to inspect all installations of multi-section homes.  Each installation must pass a detailed 47-point inspection. What does your dealer do?

Choose skirting and underpinning, steps, and decks. What type of skirting will be put on your home? You have a wide range of choices including vinyl, metal, hardboard, masonry, or other manufactured products. Some lenders have different requirements so be sure to check with your modular home dealer about what you are getting.

Summary

We hope this guide has helped to educate you on the home buying process for mobile, manufactured, and modular homes.

Still Have Questions?

Our friendly team members would be happy to talk with you. Feel free to contact us to schedule a visit or tour.

Additional Educational Resources

• 8 Things to Consider when Choosing a Manufactured Home Builder.
• 19 Questions to Think About Before Buying a Manufactured Home.
• Discover Affordable Luxury in Construction, Design, and Standard features! Plus, Take a Factory Tour and See How Oak Creek Homes are Built.

Manufactured Home Builder Oak Creek Homes has been building affordable luxury heavy homes for over 50 years! Find your nearest Oak Creek Home Center.

The post Mobile, Manufactured, & Modular Home Buying Process: A Complete Guide appeared first on Oak Creek Homes.

The Buying Process for Mobile, Manufactured, & Modular Homes

Whether you’re looking to buy a mobile home, manufactured home, or modular home right now or later down the road, we want to help you understand what the buying process looks like.

These types of homes are great for those of you who are budget-minded, looking for a starter home, downsizing, needing a ranch or lake property, or even a guest house. When it comes to buying a mobile, manufactured, or modular home, the process is a little different from buying a previously constructed single-family home or townhome. In this guide we will take a look at what this home buying process looks like by breaking it down into three parts:

1. Five Steps you Need to Complete in the Home Buying Process
2. Financing Considerations
3. Home Site Selection and Home Site Preparation

Five Steps you Need to Complete in the Home Buying Process

Determine your Family’s Needs

Have an idea of some general features you need. How many bedrooms and bathrooms?  Most mobile homes now all have at least 2 full bathrooms.  Do you need a living room and family room or just a larger “great room”?  What would you consider as being the key area for you in your new home?  Are there special needs or considerations such as furniture size, bedroom size, special needs, etc.?

Determine a Budget

Typically lenders use a budget calculator to determine what your payment capacity is. You can find several programs online that will help you do that.  A general rule of thumb is that your monthly payment will be about .8 -1% of the amount you borrow. The lenders will take into account your current debts to determine what your manufactured house payment limits are.

Choose a Builder

There are many different builders that produce a wide range of products. Some focus on building as inexpensively as possible while others concentrate on a combination of affordability and quality construction.  It’s important that you have defined what your priorities are before visiting a mobile home dealership. What is on your top 5 list of features you are looking for in a home? Does the builder reflect the same construction priorities that you have identified? When you visit the dealership do you experience someone who wants to help you find your home or someone who just wants to earn a commission? Did they listen to you? What are their google reviews like? What have others experienced who have gone before you?

Find your Dream Home

Once you’ve developed your “shopping list” it’s time to have fun. When you visit your manufactured home dealership, share with them the things you are looking for.  Be as detailed as possible. That will help your home consultant narrow down the search and help you find your new home sooner.  Don’t hesitate to ask questions. Your home consultant should be able to help guide you through the process in a friendly, informative, and professional manner.  Don’t be afraid to share information. You can’t go to the doctor and have him guess what your needs are.

Design your New Home

The design of manufactured and modular homes has come a long way from the long, dark trailers of yesteryear. Manufactured home exteriors can match any style, from traditional ranch homes to cozy log cabins to chalets to cool coastal retreats. Inside – depending upon the model of your home…. You can choose paint colors, cabinet colors, and kitchen countertops. You might be able to customize some additional features as well… like adding stainless steel appliances or a farm sink and gooseneck faucet. Check out this previous post to see more on how you can customize a manufactured or modular home.

Financing Considerations

Financing a manufactured home, mobile home, or modular home is much different than financing a residential home. Here are some critical topics that you’ll need to consider when applying for a new home loan.

Credit Scores

One of the two most common questions we get is “What kind of credit score do I need to buy a mobile, manufactured, or modular home?” Great question. Most lenders have minimum scores that they are looking for. There are lenders who can work with bruised credit that is below 600 while others are looking for scores above 620 to 640. Sometimes lower credit scores can be overcome by increasing the amount of the down payment. Learn more about credit scores in a previous post here. When you talk with your home consultant it will be helpful to know where you stand in terms of credit score.

Note: Keep in mind our home consultants are not Licensed Mortgage Loan Originators. But part of their job is to help assemble the information that you need to make the application and then help the lender in collecting any other documents they may request to evaluate the application.

Down Payments

Down payments for mobile, manufactured and modular homes will depend on the type of loan and your overall credit profile. There are zero-down programs such as VA, USDA, and even a few available from non-government-backed sources. Typically, you should prepare for a minimum of 5% to start with. The down payment total won’t be called for until closing, so you’ll have some time to save a bit more.

There are Two General Types of Home Loans

Government-backed loans – FHA, VA, USDA

Non-Conforming loans – basically function similarly to private banks

• Land/home – use of land in the transaction
• Home only or Chattel loans – only consider the valuation of the home as collateral.

Government-insured loans, like HUD-backed FHA loans and VA loans, are financing options for manufactured homes or modular homes. Banks and home manufacturers offer more traditional chattel loans and mortgages to those of you at home shopping as well.

Using Land vs Home-Only Transactions

Your financing considerations will vary depending on your land situation. Do you own land, or do you need land?

You Own Land

Many people use land as a down payment for mobile, manufactured, and modular homes. Doing this can help secure a traditional mortgage and lower interest rates.  In fact, oftentimes lenders can use the land equity to offset cash down payment requirements. Oak Creek Homes has done several loans with Zero Cash Down when the land equity and credit were acceptable to the lenders.

You Need Land

If you don’t have land, most dealerships can help you in locating a suitable homesite. Are you looking for private land or would it be more beneficial for you to consider a leased land option? Depending on the type of loan package, you may be able to include the land purchase into your home package (for more information see our “Should I find my land before buying” post). 

Using leased land for your new home is a viable consideration. Most communities provide favorable sites with amenities that may include swimming pools, playgrounds, yard maintenance, garbage service, and city sewer services.

You can also do “home only” loans or chattel. While these loans typically have shorter loan lengths, and a bit higher interest rates, they can be a good choice because they also have lower closing costs. They keep the land “out of the deal” and only involve the land as collateral.

Securing Financing

Make a “good faith deposit” – Statistics show that presenting a good faith deposit increases the likelihood of getting favorable approval. The deposit shows your good intentions to make the purchase and also demonstrates to the lender that you have part of, if not all of the down payment on hand. Actual down payment requirements are determined by the lender based on your credit profile and the type of loan you are trying for. There are some “zero down” loans available but it’s still good to do a deposit to show good faith. That deposit can either be refunded at closing or can be applied to the loan at closing, whichever you choose. Check with your manufactured home dealership and make sure that the deposit is 100% refundable if the mobile home loan is not approved or if you change your mind.

Provide income – When you fill out the application provide accurate information on your income, detailing all sources. The lenders are looking for “pre-tax” figures.  If you are paid overtime you will list that amount separately from your “regular” pay.  Usually, to be counted, overtime must have been earned for at least 2 years prior.

Supply all documentation needed – Documentation is KING: Lenders will want you to provide different documentation. Expect to provide your last 2 years of w2s, 2 months’ worth of pay stubs, 3-months’ worth of bank records, copies of SSI awards letters or pensions, and a copy of the deed or land lease.  Additionally, the bank may ask you to provide other documents as well. While this may seem burdensome, it is an essential part of buying a home.

Shop lenders – Credit scores are usually the ones affected once you make multiple applications within a 30-day period. I usually suggest that you approach at least 2 different lenders so you can get a comparison of offers. Things to consider when you review your lender response are terms of the home loan, interest rate, and fees. Sometimes it makes more sense to look at loan offers with lower loan fees even if the rate is higher. See a full list of lenders we work with here.

Determine your payment – I know a common question, “What will my mortgage payment be?” You can use a general rule of thumb when estimating what your payment will be. Your mortgage payment amount will be a result of 3 factors.

• Credit scores
• Amount of down payment
• Term on the loan – how long is the loan for?

Here is a calculator that can help in determining your payment

Again, be mentally prepared to provide additional documentation that the lender may require. Understand that your manufactured home consultant is not the bank, but they are there to help expedite the process. 

Home Site Selection and Home Site Preparation

Let’s review what considerations come into play during the home site selection and home site preparation processes for your mobile, manufactured, or modular home.

Site Selection for Mobile, Manufactured & Modular Homes

When considering a home site location be sure to check on any local zoning or deed restrictions. Some home sites that are within city limits may require modular construction standards to meet city code for single-family dwellings. Oak Creek builds a wide range of modular home plans that meet local construction codes for single-family dwellings.

Site Preparation for Mobile, Manufactured & Modular Homes

Once you’ve found your land, here are some items you need to consider while preparing your mobile home site.

Note the lay of the land. When you are doing site prep for a mobile home, you’ll want to take note of any obvious indications of where the drainage may occur. You do not want to put your home in a low-lying area that could allow for water to accumulate under the home.

Note any obstacles that may make delivery more complicated. We suggest that you walk the property and get several different vantage points.  Are there any trees or other natural features that may affect the placement of the home?

Check on “set back” requirements. Knowing how far from the property lines you have to place your mobile home can avoid costly mistakes.

Determine what utilities need to be installed. Does your selected home site already have water, sewer/septic, and electrical available? If your selected home site does not have all of these available – does your modular home dealer provide these general contracting services in addition to the cost of the home? Or will you have to secure those services outside of your purchase agreement? Be sure that the bids are from contractors who have the proper licenses and approvals to do the work in the area where you are putting your home.

Will you need a foundation? Some lenders do not require a concrete foundation as part of the home package while others do. Modular houses will always require an engineer designed and inspected foundation.  It’s recommended on all of our double-wide section homes. In the State of Texas, any new manufactured home that is wider than 16’ and going on private property requires a “home pad” to be installed to help insure proper water drainage.

Have a home site inspection. It’s a good idea to have your mobile home dealer do a physical site inspection at your proposed location to help identify any setup or home site preparation issues beforehand.

Check the dealership’s policy for set-up inspections. Here at Oak Creek Homes, we have decided to use an independent 3rd party engineering firm to inspect all installations of multi-section homes.  Each installation must pass a detailed 47-point inspection. What does your dealer do?

Choose skirting and underpinning, steps, and decks. What type of skirting will be put on your home? You have a wide range of choices including vinyl, metal, hardboard, masonry, or other manufactured products. Some lenders have different requirements so be sure to check with your modular home dealer about what you are getting.

Summary

We hope this guide has helped to educate you on the home buying process for mobile, manufactured, and modular homes.

Still Have Questions?

Our friendly team members would be happy to talk with you. Feel free to contact us to schedule a visit or tour.

Additional Educational Resources

• 8 Things to Consider when Choosing a Manufactured Home Builder.
• 19 Questions to Think About Before Buying a Manufactured Home.
• Discover Affordable Luxury in Construction, Design, and Standard features! Plus, Take a Factory Tour and See How Oak Creek Homes are Built.

Manufactured Home Builder Oak Creek Homes has been building affordable luxury heavy homes for over 50 years! Find your nearest Oak Creek Home Center.

The post Mobile, Manufactured, & Modular Home Buying Process: A Complete Guide appeared first on Oak Creek Homes.

Should You Consider Buying a Manufactured Home in 2022?

Are you feeling depressed or frustrated and like you are being squeezed out of the onsite-built housing market? Perhaps a manufactured or modular home might be your best option for affordable housing. When visualizing a manufactured home, what do you see? Hopefully, something luxurious because that is exactly what manufactured and modular homes have become over the course of time. Need a refresher on the difference between the two? Check out this previous post to learn more about what each type of home can offer. Some may argue that manufactured and modular homes are not only more visually appealing, but also a smarter choice for home ownership in today’s economy. Here are some reasons why it might make sense for you to buy a manufactured home.

Financial Considerations & Affordability

Buying a manufactured home or a modular home is a great option for someone looking to receive everything they want in a home for a fraction of the cost. The average cost of a manufactured home is substantially lower than a traditional site-built home. This could be a huge relief for many as prices continue to spike in real estate.

It’s not only the build that costs less – but there are also other factors that work in favor of your pockets. For instance, the energy efficiency that comes with manufactured and modular homes.

Energy Efficiency

From air sealing and insulation to installing the latest HVAC technology, prefab homes can incorporate many features that will keep your electricity bill at a reasonable cost. Other features like LED lighting, Energy Star appliances, and energy-efficient windows can also impact month-to-month energy savings.

Resale Value

In addition to saving money, manufactured homes can also be a way to make money through value appreciation. There is a common misconception that manufactured homes don’t hold value and depreciate over time. The Manufactured Housing Institute debunks this idea stating that manufactured homes appreciate at the same market rate as other homes in a neighborhood. It is important to consider the location, age of the home, and overall condition; All of which impact the resale value. Thus, manufactured homes can hold high resale values.

Maintenance

One of the biggest headaches of being a homeowner is the maintenance cost. Unlike renting an apartment or any other space, home ownership leaves you responsible for all repairs. This can really hit the bank account hard depending on the amount of damage to a property. While it is important to maintain any home you live in, manufactured homes tend to be less expensive to maintain than traditional homes. This means there’s less to budget for each month, which saves you money each month!

Building Cost

According to Forbes, due to the lower cost of materials and other determinants, manufactured homes are priced between 10%-35% less per square foot than a traditional home. The difference in cost without a sacrifice of quality has many people interested in investing in a prefab home, custom-made to their wants and needs. Manufactured and modular homes have evolved into a comparable option for many families and will continue to grow more popular as people discover the many benefits that come with them, which include affordable luxury standard features that you can’t get for the same price as a site-built home. Affordable Luxury features can include beverage bars, huge tile walk-in showers, separate soaking tubs, tall banks of windows, porches, and built-in desk/office spaces.

Personal Mortgage Insurance

In addition, when you finance a manufactured home you avoid the personal mortgage insurance (PMI) required from site-built home financing if you do not put 20% down. This alone can take save you hundreds of dollars each month. Here are a few other reasons to consider when deciding whether purchasing a manufactured or modular home might be right for you:

Durability

The structural quality and durability of a home are important factors to consider. Natural disasters are becoming more aggressive and common. Depending upon the area where your home will be, safety may be top of mind. While you may have seen images of trailer homes, mobile homes, and manufactured homes torn apart or destroyed by hurricanes or tornados, many manufactured home builders go to great strides to help prevent this. For example, Oak Creek Homes not only builds a heavy home but makes sure it is installed and secured with a 47-point inspection (on all 18-foot and wider homes). This means a manufactured home is builtstrong and secured to its foundation, which keeps it from sliding off or rolling over. In addition, hardboard siding is used instead of vinyl. Hardboard siding stands up to the elements, resisting damage from wind, rain, freezing temperatures, and hail. This gives a manufactured or modular home years of protection and low maintenance. The HUD code regulations that are required for each and every home also ensure safety and durability for even the strongest storms and disasters. Hear from manufactured homeowners whose homes withstood category 4 hurricanes here.

Versatility

What makes owning a manufactured home more versatile than a traditional site-built home?  Most manufactured home builders allow customers to pick out various design elements of their homes. These can include exterior materials, like galvanized metal accents, metal roofs versus shingles, and body and trim paint colors. On the inside of the home, this can include colors for walls, cabinets, tile, backsplash, and flooring. Manufactured homes are utilizing some of the most popular design and decor choices so that you can customize the perfect place. You can take your home to the next level with the many options offered. Having this amount of power over your journey to homeownership is not only empowering but also it is also to first step to truly getting connected to your home and ensuring that every inch is built to your satisfaction.

Construction Process

When you’re anxious to purchase something, you probably are not willing to wait 2 years to receive it. This can be the case for many site-built homes today as material supply shortages continue to infiltrate the market. Manufactured homes, like the Oak Creek Homes specifically, receive many of their materials right here in the U.S. making the home-building process quicker and easier. Homes are built in a factory in as little as 6-8 weeks and then, installed on-site.

Summary

In short, it is important to explore the various ways to achieve home ownership and be open to new and improved options. Manufactured and modular homes have made a lot of progress over the years and have proved to be a great alternative to site-built homes, especially in an ever-changing real estate market. You can count on modern manufactured homes to be both affordable and sustainable despite the increase in prices we continue to see going into 2023. If you are curious about all that a manufactured home has to offer, you can visit www.oakcreekhomes.com to browse the many different designs and floorplans you are sure to fall in love with.

Contact us to Schedule a Visit or Tour

Ready to schedule a tour? Or have questions? Let us know, we’d be happy to talk with you. We can also help with financing and finding land for your custom-manufactured home. Land and home packages are available.

Other Educational Resources

Just starting the manufactured home buying journey? Download these handy checklists. They’ll start you off on the right path.

• Mortgage Rates the Decision to Buy a Home in 2022
• Can you Customize a Manufactured Home?
• 8 Things to Consider when Choosing a Manufactured Home Builder.
• 19 Questions to Think About Before Buying a Manufactured Home.

You can buy any of our top-selling single-wide or double-wide homes at your nearest Oak Creek Home Center. We deliver to Texas, Oklahoma, Louisiana, and parts of New Mexico. Manufactured home builder Oak Creek Homes has been building manufactured houses and modular homes for over 50 years.

The post Does Buying a Manufactured Home Make Sense for You? appeared first on Oak Creek Homes.

Should You Consider Buying a Manufactured Home in 2023?

Are you feeling depressed or frustrated and like you are being squeezed out of the onsite-built housing market? Perhaps a manufactured or modular home might be your best option for affordable housing. When visualizing a manufactured home, what do you see? Hopefully, something luxurious because that is exactly what manufactured and modular homes have become over the course of time. Need a refresher on the difference between the two? Check out this previous post to learn more about what each type of home can offer. Some may argue that manufactured and modular homes are not only more visually appealing, but also a smarter choice for home ownership in today’s economy. Here are some reasons why it might make sense for you to buy a manufactured home.

Financial Considerations & Affordability

Buying a manufactured home or a modular home is a great option for someone looking to receive everything they want in a home for a fraction of the cost. The average cost of a manufactured home is substantially lower than a traditional site-built home. This could be a huge relief for many as prices continue to spike in real estate.

It’s not only the build that costs less – but there are also other factors that work in favor of your pockets. For instance, the energy efficiency that comes with manufactured and modular homes.

Energy Efficiency

From air sealing and insulation to installing the latest HVAC technology, prefab homes can incorporate many features that will keep your electricity bill at a reasonable cost. Other features like LED lighting, Energy Star appliances, and energy-efficient windows can also impact month-to-month energy savings.

Resale Value

In addition to saving money, manufactured homes can also be a way to make money through value appreciation. There is a common misconception that manufactured homes don’t hold value and depreciate over time. The Manufactured Housing Institute debunks this idea stating that manufactured homes appreciate at the same market rate as other homes in a neighborhood. It is important to consider the location, age of the home, and overall condition; All of which impact the resale value. Thus, manufactured homes can hold high resale values.

Maintenance

One of the biggest headaches of being a homeowner is the maintenance cost. Unlike renting an apartment or any other space, home ownership leaves you responsible for all repairs. This can really hit the bank account hard depending on the amount of damage to a property. While it is important to maintain any home you live in, manufactured homes tend to be less expensive to maintain than traditional homes. This means there’s less to budget for each month, which saves you money each month!

Building Cost

According to Forbes, due to the lower cost of materials and other determinants, manufactured homes are priced between 10%-35% less per square foot than a traditional home. The difference in cost without a sacrifice of quality has many people interested in investing in a prefab home, custom-made to their wants and needs. Manufactured and modular homes have evolved into a comparable option for many families and will continue to grow more popular as people discover the many benefits that come with them, which include affordable luxury standard features that you can’t get for the same price as a site-built home. Affordable Luxury features can include beverage bars, huge tile walk-in showers, separate soaking tubs, tall banks of windows, porches, and built-in desk/office spaces.

Personal Mortgage Insurance

In addition, when you finance a manufactured home you avoid the personal mortgage insurance (PMI) required from site-built home financing if you do not put 20% down. This alone can take save you hundreds of dollars each month. Here are a few other reasons to consider when deciding whether purchasing a manufactured or modular home might be right for you:

Durability

The structural quality and durability of a home are important factors to consider. Natural disasters are becoming more aggressive and common. Depending upon the area where your home will be, safety may be top of mind. While you may have seen images of trailer homes, mobile homes, and manufactured homes torn apart or destroyed by hurricanes or tornados, many manufactured home builders go to great strides to help prevent this. For example, Oak Creek Homes not only builds a heavy home but makes sure it is installed and secured with a 47-point inspection (on all 18-foot and wider homes). This means a manufactured home is builtstrong and secured to its foundation, which keeps it from sliding off or rolling over. In addition, hardboard siding is used instead of vinyl. Hardboard siding stands up to the elements, resisting damage from wind, rain, freezing temperatures, and hail. This gives a manufactured or modular home years of protection and low maintenance. The HUD code regulations that are required for each and every home also ensure safety and durability for even the strongest storms and disasters. Hear from manufactured homeowners whose homes withstood category 4 hurricanes here.

Versatility

What makes owning a manufactured home more versatile than a traditional site-built home?  Most manufactured home builders allow customers to pick out various design elements of their homes. These can include exterior materials, like galvanized metal accents, metal roofs versus shingles, and body and trim paint colors. On the inside of the home, this can include colors for walls, cabinets, tile, backsplash, and flooring. Manufactured homes are utilizing some of the most popular design and decor choices so that you can customize the perfect place. You can take your home to the next level with the many options offered. Having this amount of power over your journey to homeownership is not only empowering but also it is also to first step to truly getting connected to your home and ensuring that every inch is built to your satisfaction.

Construction Process

When you’re anxious to purchase something, you probably are not willing to wait 2 years to receive it. This can be the case for many site-built homes today as material supply shortages continue to infiltrate the market. Manufactured homes, like the Oak Creek Homes specifically, receive many of their materials right here in the U.S. making the home-building process quicker and easier. Homes are built in a factory in as little as 6-8 weeks and then, installed on-site.

Summary

In short, it is important to explore the various ways to achieve home ownership and be open to new and improved options. Manufactured and modular homes have made a lot of progress over the years and have proved to be a great alternative to site-built homes, especially in an ever-changing real estate market. You can count on modern manufactured homes to be both affordable and sustainable despite the increase in prices we continue to see going into 2023. If you are curious about all that a manufactured home has to offer, you can visit www.oakcreekhomes.com to browse the many different designs and floorplans you are sure to fall in love with.

Contact us to Schedule a Visit or Tour

Ready to schedule a tour? Or have questions? Let us know, we’d be happy to talk with you. We can also help with financing and finding land for your custom-manufactured home. Land and home packages are available.

Other Educational Resources

Just starting the manufactured home buying journey? Download these handy checklists. They’ll start you off on the right path.

• Mortgage Rates the Decision to Buy a Home in 2022
• Can you Customize a Manufactured Home?
• 8 Things to Consider when Choosing a Manufactured Home Builder.
• 19 Questions to Think About Before Buying a Manufactured Home.

You can buy any of our top-selling single-wide or double-wide homes at your nearest Oak Creek Home Center. We deliver to Texas, Oklahoma, Louisiana, and parts of New Mexico. Manufactured home builder Oak Creek Homes has been building manufactured houses and modular homes for over 50 years.

The post Does Buying a Manufactured Home Make Sense for You? appeared first on Oak Creek Homes.

Our Smart Cottage: Mockingbird is at the Round Top Antiques Show October 24 – 29, 2022. Come take a tour. Oak Creek Homes Bryan is showcasing this popular Smart Cottage floor plan. This modern-day version of a tiny home is placed in front of Round Top Vintage Market. The Round Top Vintage Market is just down the road from the Big Red Barn along an 11-mile stretch of antique, boutique, and decor businesses.

Drone View of Round Top Location

Live Smarter

Smart Cottages are great as a first, second, beach, lake, ranch, guest, BNB, or rental home. Choice of 1-3 bedrooms, 1-2 bathrooms, 1 porch or 2.

Smart Cottage Mockingbird at Round Top

The 2 bedroom, 1 bathroom Smart Cottage model at Round Top has a modern design and color scheme. This Mockingbird model features Sherwin Williams tricorn black exterior paint with a reserved white trim, metal accent siding, an optional metal roof, an optional front porch swing, an optional back porch, and optional tall banks of windows in the primary bedroom.

Round Top Picture Gallery

Standard Features 

Standard features of a Smart Cottage include an 8-foot covered front porch, vaulted ceilings, tall banks of Low-E thermal pane energy-efficient windows, a ceramic tile walk-in shower, and 3-tab shingle roof, and a 50-gallon electric water heater.

Smart Add-on Options

There are many popular additional options that can be added to customize a Smart Cottage. These include a closed-door laundry setup in the hall bathroom for most models, a kitchen island, a back porch on some models, a 6-cabinet pantry in most models, another set of tower dormers and clerestory windows in the primary bedroom, and barn doors where applicable. 

Smart Customization

Smart Cottages can be customized to fit your style and needs. You can choose the cabinet, tile, countertops, flooring, interior, and exterior colors! If you prefer more of a modern farmhouse look – you may opt for white shiplap, white or grey cabinets, white wood molding, white doors, and grey-toned flooring. If you like more of the rustic look, you may want to go with hickory cabinets and barnwood-colored flooring. Check out your full range of  Smart Cottage Decorating Choices.

Smart Technology Options

You can also add Smart Technology options like a keyless entry, front entrance video doorbell camera,  smart smoke alarms, and a smart thermostat.

See the Mockingbird’s Floor Plan & Pricing Info.

The Round Top Smart Cottage Model, like others, comes with an option to add an enclosed laundry in the bathroom vs. a standard stacked laundry option outside the bathroom. This extends the home by four feet.

Mockingbird D50EP8 D54EP8

The Entire Smart Cottage Line Up

So far, there are over 15 different Smart Cottage Home floor plans to choose from! Flip through our Floor Plan Guide and choose your favorite!

Contact us

Have questions or want to tour a Smart Cottage? We’d be happy to connect you with your nearest Smart Cottage location.

Smart Cottage Homes are built at our Oak Creek Homes Factory in Ft. Worth, Texas. Manufactured home builder Oak Creek Homes has been building manufactured houses, mobile homes, and modular houses for over 50 years. Smart Cottages can be built to different building codes to fit municipal requirements and constructed as either a manufactured home or modular home. They are less expensive per square foot than the typical tiny house or on-site built home. You can buy a Smart Cottage at any of our 19 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana.

The post Smart Cottage at Round Top Antique Show appeared first on Oak Creek Homes.