{"id":2980,"date":"2016-02-09T13:18:11","date_gmt":"2016-02-09T13:18:11","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=2980"},"modified":"2020-07-13T22:33:29","modified_gmt":"2020-07-13T22:33:29","slug":"on-frame-off-frame-modulars","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/","title":{"rendered":"Modular Homes, How to Tell the Difference Between Off Frame, On Frame, &#038; Manufactured Homes"},"content":{"rendered":"\n<p>A very popular\u00a0question we receive from buyers and Realtors is, &#8220;How do I\u00a0tell if\u00a0a home\u00a0is an off frame or on frame modular homes?&#8221;<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/02\/onFrameOffFrame-1.png\" alt=\"modular home comparison\" class=\"wp-image-8561\"\/><figcaption>On Frame Modular vs Off Frame Modular<\/figcaption><\/figure><\/div>\n\n\n\n<p>Looking at the outside and even walking inside of modular homes, you won&#8217;t be able to tell the difference.\u00a0So if you\u00a0want to know which type of modular you are looking at, you are going to have to take a peek underneath the crawl space. In this article, we explain the difference between on frame modular vs off frame modular homes. Additionally, we compare modular homes vs manufactured homes. Both modular homes and <strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/03\/08\/doublewide-manufactured-homes\/\">manufactured homes<\/a><\/strong> have great financing options.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2019\/09\/26\/fha-guidelines\/\">FHA Guidelines Give Buyers Options<\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">What is an Off Frame Modular Home?<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Has no steel frame underneath<figure><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-2996 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/02\/ABT_Modular4-300x225.jpg\" alt=\"modular home floor frame\" width=\"300\" height=\"225\"><\/figure><\/li><li>Has 2&#8243; x 10&#8243; floor joists, sometimes they can be as small as&nbsp;2&#8243; x 8&#8243;<\/li><li>Floor joists are 16&#8243; centers<\/li><li>Built to same residential codes as stick built homes<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">What Are On Frame Modular Homes?<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Has a steel frame underneath<\/li><li>Has 2&#8243; x 6&#8243; or 2&#8243; x 8&#8243; floor joists<\/li><li>Floor joists are up to 24&#8243; centers<\/li><li>Basically a glorified manufactured home<\/li><\/ul>\n\n\n\n<p>It is for the reasons above that an off-frame modular home will cost a little more than on-frame.\u00a0 BUT, it will generally appraise higher though.\u00a0Some appraisers we have seen will choose to compare on-frame modular with doublewide manufactured home sales.\u00a0Although most of the time, we treat these as stick built homes.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2019\/10\/03\/usda-student-loan-guidelines\/\">New USDA Student Loan Guidelines Help More Qualify<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"text-align:center\">On Frame Modular Home Financing<\/h2>\n\n\n\n<p>Even though many lenders have or still treat on frame modular homes like manufactured homes, most of our home loans do not. When it comes to on frame modular home financing, our FHA, Fannie Mae, and <strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/11\/01\/va-manual-underwriting\/\">VA loans<\/a><\/strong> allow appraisers to use stick built homes on the appraisal. By on frame modular homes being treated like regular homes, there are advantages for buyers and owners. Such advantages include better rates and the appraised value is typically higher. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">On Frame Modular Homes Fannie Mae<\/h3>\n\n\n\n<p>As mentioned, our Fannie Mae guidelines treat on frame modular homes as a stick built home. This was a recent change in their guidelines. There are several reasons that Fannie Mae loans help on frame modular buyers and owners. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>3% minimum down payment<\/li><li>Primary, second home, and investment property financing<\/li><li>Waive escrows if equal or less than 80% of value<\/li><li>Easier for owners to sell (since more loans available to buyers)<\/li><\/ul>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2019\/08\/21\/second-home\/\">Buying a Second Home with Low Down Payment<\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">How do I tell the difference between\u00a0a modular homes and a doublewide manufactured home?<\/h3>\n\n\n\n<p>A doublewide manufactured home will have&nbsp;a data plate tag on the outside with HUD numbers on it.&nbsp;&nbsp;Conversely, a&nbsp;modular home will have a permanent modular home seal.&nbsp; This seal is located in two places <strong><em>within<\/em><\/strong> the home.&nbsp; 1) Data plate under the kitchen counter usually near the sink with the modular home seal and 2) Data plate with the modular home seal&nbsp;inside the main electrical panel box for the house.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"http:\/\/teammovemortgage.com\/blog\/2015\/02\/28\/va-fha-usda-manufactured-home-doublewides-foundation-rules-requirements\/\">Manufactured Home Foundation Requirements<\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-align:center\">Modular Home&nbsp;Seal Details<\/h3>\n\n\n\n<p>A NC modular construction validating stamp (seal)&nbsp;is a certification label that certifies a modular home was built to NC modular home standards.&nbsp; A North Carolina modular label is approximately 2&#8243; x 2&#8243; with a NC state seal on a reflective silver background.&nbsp; Below are examples of the labels.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/02\/modular-labels-in-NC.png\" alt=\"modular home mortgages\" class=\"wp-image-5186\"\/><\/figure><\/div>\n\n\n\n<p>There is also a Third Party Certification Agency Label.&nbsp; A 3rd party certifies the home conforms to the NC modular home construction program and state building code.&nbsp; These labels may vary in size but are similar in size to the seals above.&nbsp; Additionally each label numbers will be listed on the data plate and it must also be <strong><em>within<\/em><\/strong> the home.&nbsp; If you find a modular label on the home, it is a modular.<\/p>\n\n\n\n<p>So it is very important to find the modular home seal inside the home.\u00a0 This will at least determine if it is a modular.\u00a0Next, check for on-frame or off-frame as mentioned above.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"text-align:center\">Mortgage Financing&nbsp;on Modular Homes and Doublewide Manufactured Homes<figure><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/02\/28\/va-fha-usda-manufactured-home-doublewides-foundation-rules-requirements\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-2784 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/01\/real-estate-taxation1-300x200.jpg\" alt=\"Low down payment mortgage loans for modular homes\" width=\"300\" height=\"200\"><\/a><\/figure><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Doublewide Financing:<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\"><span style=\"text-decoration: underline;\"><strong>FHA<\/strong><\/span><\/a> &#8211; A low down payment and the foundation must meet <span style=\"text-decoration: underline;\"><strong><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/blog\/2015\/02\/28\/va-fha-usda-manufactured-home-doublewides-foundation-rules-requirements\/\" target=\"_blank\">FHA foundation requirements<\/a><\/strong><\/span><\/li><li><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\"><span style=\"text-decoration: underline;\"><strong>VA<\/strong><\/span><\/a> &#8211; No money down required for Veterans, Service members, &amp; qualified surviving spouses<\/li><li>Conventional Loans &#8211; Available for primary and second homes <\/li><li><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\"><span style=\"text-decoration: underline;\"><strong>USDA<\/strong><\/span><\/a> &#8211; No money down home loan (not allowed for used manufactured or used on-frame modular)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Off-Frame Modular Homes Financing Types:<figure><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/construction-perm\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" class=\"alignright wp-image-2995 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/02\/constr-300x225.jpg\" alt=\"Unfinished upstairs on modular homes\"><\/a><\/figure><\/h3>\n\n\n\n<p>All mainline mortgage products will allow off-frame modular homes\u00a0as collateral.\u00a0We finance a lot of newly built modular homes.\u00a0Financing allows building\u00a0on land\u00a0already owned, purchased, or is gifted from family.<\/p>\n\n\n\n<p><strong>Related Resources:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><u><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/blog\/2016\/01\/02\/buying-a-modular-home-in-nc-sc-or-va-with-no-money-down\/\" target=\"_blank\">Buying a modular home with no money down<\/a><\/u><\/strong><\/li><li><span style=\"text-decoration: underline;\"><strong><a rel=\"noopener noreferrer\" href=\"http:\/\/teammovemortgage.com\/blog\/2015\/02\/28\/va-fha-usda-manufactured-home-doublewides-foundation-rules-requirements\/\" target=\"_blank\">Manufactured home foundation requirements &#8211; Foundation Inspections<\/a><\/strong><\/span><\/li><\/ul>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-text-color has-very-light-gray-color\" href=\"https:\/\/russell.nuecards.com\/\">Download My Business Card<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A very popular\u00a0question we receive from buyers and Realtors is, &#8220;How do I\u00a0tell if\u00a0a home\u00a0is an off frame or on frame modular homes?&#8221; Looking at the outside and even walking inside of modular homes, you won&#8217;t be able to tell the difference.\u00a0So if you\u00a0want to know which type of modular you are looking at, you [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2996,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,288,40,41,48],"tags":[257,259,260,574,636,637,638],"class_list":["post-2980","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-real-estate-professionals","category-tips","category-usda","category-va-loans","tag-doublewides","tag-foundation-requirements","tag-manufactured-homes","tag-modular-homes","tag-off-frame-modular","tag-on-frame-modular","tag-where-is-the-modular-home-seal"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modular Homes - Difference Between On Frame and Off Frame Modulars<\/title>\n<meta name=\"description\" content=\"Modular Homes are confusing even to lenders and Realtors. So check out this detailed breakdown of the differences in off-frame and on-frame mods\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modular Homes - Difference Between On Frame and Off Frame Modulars\" \/>\n<meta property=\"og:description\" content=\"Modular Homes are confusing even to lenders and Realtors. So check out this detailed breakdown of the differences in off-frame and on-frame mods\" \/>\n<meta property=\"og:url\" content=\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/\" \/>\n<meta property=\"og:site_name\" content=\"Team Move Mortgage Blog\" \/>\n<meta property=\"article:published_time\" content=\"2016-02-09T13:18:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-13T22:33:29+00:00\" \/>\n<meta name=\"author\" content=\"Russell Smith\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Russell Smith\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/\"},\"author\":{\"name\":\"Russell Smith\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37\"},\"headline\":\"Modular Homes, How to Tell the Difference Between Off Frame, On Frame, &#038; Manufactured Homes\",\"datePublished\":\"2016-02-09T13:18:11+00:00\",\"dateModified\":\"2020-07-13T22:33:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/\"},\"wordCount\":813,\"publisher\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"doublewides\",\"foundation requirements\",\"manufactured homes\",\"Modular Homes\",\"off-frame modular\",\"on-frame modular\",\"Where is the modular home seal?\"],\"articleSection\":[\"1st Time Buyers\",\"FHA\",\"Frequently Asked Questions\",\"Real Estate Professionals\",\"Tips\",\"USDA\",\"VA Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/\",\"name\":\"Modular Homes - Difference Between On Frame and Off Frame Modulars\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/on-frame-off-frame-modulars\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2016-02-09T13:18:11+00:00\",\"dateModified\":\"2020-07-13T22:33:29+00:00\",\"description\":\"Modular Homes are confusing even to lenders and Realtors. 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