A mobile home has a unique set of characteristics compared to that of a site built home. It is important that these differences are recognized and inspected for deficiencies. Not only are there safety and health reasons but these defects could hinder financing and insurability.
Mobile homes built since June 15, 1976, must conform to the National Manufactured Home Construction and Safety Standards established under a law passed by the U.S. Congress. The standards are administered by the U.S. Department of Housing and Urban Development (HUD).
Mobile homes are the only homes with a national building code. These homes are the only homes that are “manufactured homes,” as defined by HUD since June 15, 1976.
Homes built prior to June 15, 1976, even with modifications, do not meet the HUD Standards and cannot be accepted as compliant with the HUD Code. The homeowner may find a qualified inspector trained to inspect their home for compliance with their state's housing code. The Federal Housing Administration (FHA) does not insure mortgages on manufactured homes built prior to June 15, 1976.
Regardless of the upgrades made to the model, it is not possible to obtain a HUD label on any structure that was not produced and inspected as a manufactured home in accordance with HUD's Manufactured Home Construction and Safety Standards and Regulations during its original construction.