Single-story blue house with white trim, surrounded by a well-kept lawn and trees, featuring a front porch with steps leading down to a sidewalk adjacent to a paved street. Detached garage in the background.

What are you looking for?

Can I buy land and a manufactured or modular home at the same time?

Yes, buying land and a home simultaneously through land-home packages such a one-time close construction loan, or two-time close construction loan are incredibly possible and popular. These loans are currently offered with manufactured and modular homes that are permanently fixed to land and taxed as real estate, or site built homes in various styles.

Our preferred lender, with over 25 years of experience, specializes in these construction loan projects and would be happy to guide you through the entire process. By working directly with them, you can ensure that all the intricate details are managed effectively, making your land and home purchase as seamless as possible.

What financing options are available for manufactured homes in North Carolina?

There are various financing options available for purchasing manufactured homes in North Carolina. These include FHA loans, which are government-backed and designed to help first-time homebuyers; VA loans, which are available to veterans and active-duty military personnel and offering up to 100% financing; USDA loans, which are aimed at rural property buyers; and conventional loans from private lenders.

These financing options can accommodate different credit scores and down payment requirements, making homeownership more accessible. Buyers should consult with financial advisors, direct lenders, or mortgage specialists to find the best financing option that suits their needs.

Do you help investors develop mobile home parks or investment properties?

Absolutely we do, we love working with investors and have even owned our own mobile home park property too. We know the ins and outs with permitting, setting up, developing, and plotting out the best set up, spacing, and structure.

In addition to helping investors set their property up, we can help in bulk purchasing of properties, or working with existing parks you are looking to expand and elevate. Be sure to reach out to discuss this further.

What is the difference between a manufactured home and a modular home?

Manufactured homes and modular homes differ primarily in their construction standards and assembly process. Manufactured homes are built in a factory according to the federal HUD (Housing and Urban Development) standards and are transported to the site in one or more sections. These homes are typically placed on a steel frame and can be moved if necessary.

Modular homes, on the other hand, are constructed in sections in a factory but must comply with state and local building codes where they will be permanently located. The sections are then transported to the site and assembled on a permanent foundation. Modular homes are generally considered more similar to traditional site-built homes in terms of construction standards and permanence.

What are the differences between mobile homes and manufactured homes?

Mobile homes are factory-built houses constructed before June 15, 1976, under less stringent building standards. In contrast, manufactured homes, built after this date, comply with the more rigorous HUD (Housing and Urban Development) regulations.

While both types of homes are transportable, manufactured homes provide enhanced quality, safety, and efficiency compared to older mobile homes due to these stricter construction standards.

Can you customize a manufactured, modular, park model rv, or a tiny home?

Yes, many manufactured, modular, park model rv, and tiny home builders offer extensive customization options. Buyers can choose from a variety of floor plans, layouts, and sizes to meet their specific needs. Additionally, there are numerous options for interior and exterior finishes, including siding, roofing, flooring, cabinetry, and countertops.

Some manufacturers also offer upgrades such as energy-efficient appliances, luxury bathrooms, and additional rooms or storage spaces. This flexibility allows buyers to create a home that fits their personal style and functional requirements.

What are the benefits of modular homes in North Carolina?

Modular homes in North Carolina offer cost efficiency, faster construction, and high quality due to controlled factory environments. They provide extensive customization options, allowing homeowners to personalize layouts, finishes, and features. Additionally, modular homes are environmentally friendly, reducing waste and often including energy-efficient designs, leading to lower utility bills.

These advantages make modular homes a smart choice for many homebuyers. Furthermore, modular homes are viewed the same as site-built homes, appreciating at similar rates, unlike park homes and manufactured homes, which tend to lag behind the market in true appreciation value.

How long does it take to build a modular home?

The construction of a modular home is typically faster than that of a traditional site-built home. The factory construction process can take a few weeks, and once the sections are completed, they are transported to the site and assembled quickly, often within a few days.

The overall timeline, including site preparation and final assembly, usually ranges from a few weeks to a couple of months, depending on the complexity of the home and the readiness of the site​.

What are the benefits of owning a mobile or park model rv home?

Owning a mobile home or a park model rv style property is often more affordable than buying a traditional site-built house. Benefits include lower initial purchase prices, reduced property taxes, and the flexibility to place the home on leased land, such as in mobile home parks, or trailing it behind your vehicle like a tiny rv style home.

Modern manufactured, mobile, and tiny homes also come with a variety of amenities and customization options, making them a comfortable and cost-effective housing solution.

What is a park model home?

A park model home is a type of RV designed for extended stays or seasonal use in RV parks, however, they are becoming more popular for Air BNB's, ADU's, and resort rentals. Park models are often categorized as a tiny home due to their size and set up.

These homes are typically smaller than manufactured homes, often under 400 square feet, and are built on a single chassis with wheels for mobility. They offer a compact, efficient living space with many of the comforts of a larger home​.

What are the advantages of park model rv homes?

Park model homes provide an affordable and flexible housing option, ideal for seasonal living or vacation use. They are cost-effective, easy to maintain, and can be placed in various settings, including RV parks and campgrounds. Additionally, they offer a comfortable living space with many modern amenities, making them a popular choice for those seeking a simpler lifestyle​.

While these properties do not qualify for real estate mortgage financing, they are available with great financing options either through credit unions or chattel loan lenders. With their more modern designs, fast build times, and reduced costs, investors have found them incredibly desirable for AirBNB rentals, with some homeowners buying them for their kids or elder family members to live on the same property but in a private space.

What is a chattel loan for manufactured homes?

A chattel loan is a type of personal property loan used to finance manufactured or park model homes that are not permanently attached to land. These loans are specifically designed for movable properties like manufactured homes, which are considered personal property rather than real estate.

Chattel loans typically have higher interest rates and shorter terms compared to traditional mortgages, and can often have higher rates and closing costs then that of a traditional mortgage.

Explore Our Property Styles

Find Your Ideal Home at Unbeatable Prices. Hundreds Of Styles To Choose From.

Explore our variety of custom homes tailored to fit every lifestyle and preference. Whether you're looking for a cozy tiny park home, a versatile manufactured home, or a stylish modular home, we have the perfect solution for you. Browse just some of our most popular properties below, don't see what you want, just ask, we have hundreds of selections.

Ideal for compact living with modern amenities and efficient designs. Park Model tiny homes are the perfect option for vacation retreats, guest housing, mother-in-law quarters, tiny home villages, and AirBNB resort-style communities.

Choose from single and double wide designs with gorgeous layouts and floor-plans. Perfect for first-time homeowners, growing family, or downsizing. These can be excellent for mobile home parks, or permanently fixed to land you own.

Customizable and durable, appreciates the same as traditional real estate, must be permanently fixed to land. Offering a range of design options suitable for permanent residences, investment property or multi-family developments.

Contact J Houston Properties

For more details or to begin your home buying journey.

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Kings Mountain, NC, United States

Explore your manufactured and modular home options with J. Houston Properties and discover why we are the most trusted mobile home dealer and developers in North Carolina.