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April 8, 2024 13 mins

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Laura and Jim chat about the solar eclipse they saw and how it really was pretty cool to see. 
They give an update on the new home. 
The discussion moves onto the differences between manufactured, homes, mobile and modular homes. They also discuss how the county standard may not meet the standard for foundation that they loan type may need. 

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Episode Transcript

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Speaker 1 (00:02):
Welcome to the Standing Out in Ohio podcast,
where we discuss topics,upcoming events, news and
predictions with real estateprofessionals and entrepreneurs.
Listen and learn what makestheir companies and themselves
stand out and gain advantagesover the competition and gain
market share.
Subscribe for the latest newsand discussion on what it takes

(00:23):
to stand out from the crowd.
Now here's your host, jim.

Speaker 2 (00:31):
Hey everybody, welcome to the Standing Out in
Ohio podcast.
This is Jim and, of course,with me, laura, the office.
Goddess Hello everyone.
So let's see Exciting day todaySolar eclipse.
Yep, that was cool, can't wait.
We have about where we live.
We have about three and a halfminutes of total, you know,
total sunbeam totally blackedout the temperature and the

(00:54):
difference temp was kind ofinteresting well, the rain heat.
Yeah, you don't get that as much.
You know there's not in thedirect sunlight, so that was
cool.
It didn't get as dark as Ithought it might.

Speaker 3 (01:04):
I was kind of surprised.
It was still cool.

Speaker 2 (01:11):
Can't wait to see the next one.
Just a few years out, actually,it's 2099 in Ohio 2099 in Ohio.
But it doesn't mean we can'ttravel to another one if we wish
.
If we happen to be in that area, I would travel across the
world and see another one.
But I mean it's cool to see.

Speaker 1 (01:29):
So, well, let's.

Speaker 4 (01:32):
Let's pause for a little break, a little break.

Speaker 2 (01:34):
A little commercial and we'll be right back.

Speaker 4 (01:37):
Habitation investigation is the way to go
for a home inspection in Ohio.
Trusted licensed homeinspectors for your needs from
radon to mold to warranties fora great home inspection, you
really can't go wrong.

Speaker 2 (01:58):
visit home inspections in ohiocom okay, so
our house that we're buildinghas come along.

Speaker 3 (02:08):
Yeah, they just had the flooring delivered today and
I think the siding also.

Speaker 2 (02:12):
Yep, and we're not ready for the flooring yet, but
you found a good deal.

Speaker 3 (02:17):
Yeah, I did.

Speaker 2 (02:18):
We're a bargain shopper so that was delivered,
ready to be put in whenever wedo get to that time.
But the roof is on.
So the siding they may startputting the siding on today, I
don't know.
I don't know We'll have tocheck it out here and there, but
we've spent a lot of timetraveling, checking that out and
then traveling also, I'mgetting tired of the drive To do

(02:38):
inspections and all that, yeah,so it's been busy, but we have
phone call today.
There's some terminology thatpeople get confused.
I have to pause and think aboutthat as well.

Speaker 3 (02:49):
Or this guy didn't even know what he was asking for
.

Speaker 2 (02:54):
But he knew what he needed.
But he needed to double check.
So the terminologies that getconfused and they are used
interchangeably still that getconfused and they are used
interchangeably still is modular, mobile and manufactured types
of homes.
So, and some of the things haveto do with a date.
So modular homes, they, thoseare, those are closest to

(03:20):
regular, like regular homeconstruction you think, like
stick built, where they take,get the two by fours, two by six
, whatever, and they put themtogether Stick built.

Speaker 3 (03:29):
But they do this in a factory and then they take it
and put it on the foundationright Correct Yep so that's a
modular home.

Speaker 2 (03:35):
That's modular.
Think of like I don't knowanything, but I'm thinking of
Legos.
You got a part of the house andthey'll go and they'll put it
together.
Like you see, driving down thehighway you'll see a half of a
house.
That's a modular house, andthen another truck is carrying
the other half of the house.
That's a modular home.
Those I don't have any problemwith those.
I mean, some people think theymay be cheaper.

(03:58):
Maybe, Like I'm thinking oldmobile homes, Like no, you don't
want to live in a mobile home,live in a mobile home.
Modular homes, though, theymeet a lot of good standards and
they're built in a factory, soit's not like everything is
sitting out in the weather.
See, I like that Getting wet,neglected, and I can see not

(04:19):
every builder does this, butsome builders will take their
trusses or whatever and theyjust sit out getting rained on.
We've seen what was it.

Speaker 3 (04:29):
We saw it was a cabin in Hocking Hills and the stuff
was starting to rot, actuallybecause they'd left it out and
uncovered.

Speaker 2 (04:37):
They had mold growing .
Was that the siding?
Was that the siding for thecabin?
No, this was an actual logcabin.

Speaker 3 (04:43):
It was an actual log cabin.
There were certain pieces forthe cabin.
No, this is an actual log cabin.
It was an actual log cabin.

Speaker 2 (04:45):
There were certain pieces for the house that were
actually moldy and warpingBecause they just left them
outside and they sat forever.
But modular house, good quality, you can't tell the difference
if it's modular house or stickbuilt.
I remember inspecting the houseand it was all crawl space or
stick built.

(05:05):
I remember expecting a houseand it was all crawl space,
which means I did not go in thebasement, you know early on and
but I didn't realize that was amodular house until I went into
the attic space and I could seewhere it took each half the
house and put it together.

Speaker 3 (05:21):
I was like oh, this is a modular house.

Speaker 2 (05:23):
Yeah, you can't tell the difference.
They're good quality.
That's very cool, there'snothing wrong with modular
houses at all.
Now, mobile homes, these arethe ones that all right, mobile
and manufactured house verysimilar.

Speaker 3 (05:39):
Isn't the only difference are mobile and
manufactured house Very similar.

Speaker 2 (05:43):
Isn't the only difference, like the date.
Yes, mobile homes were builtbefore 1976, I believe, because
then, after that well, 1996,they started having standards
for these things and thosebecame known as the
manufacturing home.
And the manufacturing homeswill have like a metal plate

(06:04):
Right.
I remember you guys talkingabout that On the outside of the
house and they'll have like adata plate inside the house also
.
Almost always it seems to belike inside the kitchen cabinet.

Speaker 3 (06:16):
Oh, that's interesting.
They open the kitchen cabinetand oh, that's interesting.

Speaker 2 (06:20):
Open the kitchen cabinet.

Speaker 4 (06:21):
there's a label or it's on the inside of the
cabinet or wherever it's holdingthe electric panel.

Speaker 2 (06:34):
So they have these labels saying that they meet the
HUD standard.
So manufactured homes they'renewer than mobile homes and
manufactured meet the standardsof HUD for quality, safety,
energy efficiency.

Speaker 3 (06:52):
So do all three of those need to have that
certification that we do, then,or is it just the manufactured?

Speaker 2 (07:01):
Okay.

Speaker 3 (07:02):
Just the manufactured .

Speaker 2 (07:03):
Okay.
So a call today.
Somebody wanted to schedule ahome inspection on the house
they're buying.
Awesome, we're happy to takethe investigation, definitely
come up with a call, but theyalso need.
He said hey, I need astructural engineer to report on
it.
So we're like oh, so is themanufacturer.

(07:24):
He's like I don't know.
So we need the manufacturerfoundation certification.
He's like I, I don't know.
They just told me I need tofind somebody.
So he made a phone call anddouble checkedchecked.
But yes, we can help.
We can get the professionalengineer's certification.
You cannot get the engineer'scertification, you don't need

(07:49):
that from Modular Homes.
Okay.

Speaker 3 (07:51):
Okay, so not for modular, just for the
manufactured.
Modular homes are the way youget front, half back, half of
the house.

Speaker 2 (07:57):
They put it on site on a permanent foundation and
install it.
That's permanent.
There's no way that's going tomove.
Okay, so Mobile homes becausethey're before 1976, do not meet
the HUD standards.
So there's no way you need toget that certification.
They wouldn't.
They wouldn't meet the standardfor that for the for the tie

(08:19):
down correct.
Well, plus the quality andsafety issues of a mobile home
is not that good plus they'remobile, built so cheaply.
If you find a mobile home before1976 still standing, you got'm
going to be a little amazed,I'll be honest.

(08:39):
They were not taken care of.
They were not built well at all.
Manufactured homes, which isvery similar to a mobile home,
but manufactured 1976 and afterthey have new standards.
The builders are actuallymonitored by HUD.
Who will come and double-checkthe building?
The factories are actuallymonitored by HUD.
Who will come and double checkthe building?
The factories are making thesethings Ooh nice, so you need to

(09:03):
get the pencil and the loan.
Most likely they're going toneed a engineering certification
.
That the manufactured home ison a permanent foundation.

Speaker 3 (09:16):
And there are county requirements and federal
requirements for the loans.
So you need to go by whateverthe loan is that you're
purchasing and what thosestandards are, which are
sometimes more stringent thancounty.
So what we've run into is thatit was okay and approved by the
county, but for the loan to gothrough they need additional

(09:39):
tie-ins is kind of what we'veseen.

Speaker 2 (09:43):
Yeah, so what we would do?
Well, some counties, they donot require the house be tied
down.
We just need to make sure thatsteel frame is sitting down in
pockets or just sitting on topof the foundation.
That's it.
No, if it's for a certain typeof loans, I think like HUD loan,

(10:05):
HUD FHA.
Fha VA yeah.

Speaker 4 (10:09):
USDA.
I'm not a loan guy.

Speaker 2 (10:10):
I recommend you talk to Ryan Miracle.
If you want information aboutloans, talk to Ryan he knows a
lot no.
But if it's a manufactured home, it needs to get the
engineering certification.
Certification and what we dowhen we do the home inspection
and we've done these without thehome inspection.
But what we do, we take somecertain measurements and get

(10:33):
description and pictures for usto send to engineers and then
they can give it thatcertification if it meets the
requirements for permanentfoundation.
So so that's that's how theycan do it.
I know our cost.
I mean, I saw something theother day that cost for a
manufacturer home foundationcertification from an engineer.

(10:57):
It was like $800.
It was like 600, $800 for that.

Speaker 3 (11:00):
And ours is half of that.
Ours is 400.

Speaker 2 (11:03):
400, and we can get that Now.
That's for one structure.
That's for one structure.

Speaker 3 (11:06):
If something is tied into that, then that is
considered a second structure bythe engineers.

Speaker 2 (11:14):
Yeah, so here's.
So one of the things we'relooking for HUD's mainly going
to be concerned with a couple ofthings Is the manufacturing
home permanently tied down okay,on a permanent foundation, so
it will not float off.
You know what?

Speaker 3 (11:32):
That's one of the things they want to see.

Speaker 2 (11:34):
the foundation, the basement or crawl space will not
flood.
So they're concerned aboutgrading and also concerned about
storms to make sure it's tieddown.
So it's pearly.
So they're looking at drainageIs it permanently tied down and
make sure it will not float offthe piers.

Speaker 3 (11:53):
Or fly up in the hurricane like Dorothy in her
house, correct?

Speaker 2 (11:58):
So that's one of the things I look for.
But we get the measurements,get everything that the
engineers need to get that done.
So anyway, those are terms I'mgoing to go over Modular, mobile
and manufactured they're allhouses.
Manufactured is the term for amobile home built after 1976

(12:20):
that actually has some decentstandards for these houses.

Speaker 3 (12:24):
Changed again in 96 then, didn't they?
96 is the most current standard.

Speaker 2 (12:33):
So yeah, they're better.
They're pretty simplestructures overall cool, but
you'll make sure they're goingto be safe and they meet the
standards, um and so if you haveanybody who's, well, we're
seeing a lot of people movingoutside columbus so you may be
running into this more, so justgive us a call if you find it
and they're buying a house andit's a manufacturing home, you
got to get the engineeringcertification.

(12:54):
Call Habitation Investigation.
We can do the home inspectionand get that all in one
appointment make life easy foryou nice and easy and it's it's
affordable too right that is,that is affordable that's much
more affordable.
Yeah so I think that's about it.

Speaker 1 (13:11):
Thanks everybody, bye , bye, bye you've been listening
to the Standing Out in Ohiopodcast.
Be sure to subscribe on Spotifyor Google Podcasts to get new,
fresh episodes.
For more, please follow us onInstagram, Twitter and Facebook,
or visit the website of thebest Ohio home inspection
company athomeinspectionsinohiocom or

(13:35):
jimtroffcom.
That's J-I-M-T-R-O-T-H andclick on podcast.
Until next time, learn and godo stuff.
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