Manufactured Homes: “Settling Can Be Unsettling” (2024)

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Interior walls of mobile homes built prior to the mid-1970s were wood paneling or a photographed type wallboard that was installed by the factory using vertical batts to cover the seams where the panels were joined. Ceilings were synthetic panels or squares that were nailed to ceiling rafters with plastic spleens covering the nails where the sections joined. The ceiling panels were usually covered with a sprayed-on material that resulted in the descriptive terminology “popcorn ceiling.”

Later on in the ’70s, I became a mobile home dealer in Southern California selling “high end” double-wide mobile homes with thick, real wood paneling. The paneling was more expensive than the drywall used in site-built homes, but less desirable to the potential home purchaser than the taped and textured finished walls in so-called “real homes.” Manufacturers were reluctant to build homes with wall and ceiling finished drywall because of the potential of service/warranty problems that might result from damage to drywall in transit to home site.

Originally, some of the manufacturers agreed to build an occasional customer home without any wall coverings. This required the drywall to be installed on site. The additional cost to the home buyer somewhat negated the savings advantage over a site-built home and created delays in customer assuming occupancy—one of the important advantages when compared to site-built homes.

One manufacturer built a home using sheetrock panels with interlocking seams. However, that was short-lived because the sheetrock was obviously not taped and textured resulting in an unfinished appearance that wasn’t appealing to the home purchaser.

Finally, the major manufacturers of mobile homes developed the building expertise and mastered the procedures to install finished drywall in the homes produced in the factory and minimizing damage caused by the transport en route to the home’s destination. (There is disagreement amongst industry “old-timers” as to which manufacturer was the first to offer tape and textured drywall in their mobile homes. I say it was Golden West Homes, while other less informed parties claim it was Silvercrest Homes.)

Finished drywall is very common in today’s manufactured home —especially in modern multi-section homes. The drywall installed is the same thickness, using the same taping and texturing process as in a site built housing. The big difference is that drywall is installed in a factory and the home is then transported on its axles to the home site, often over roads or highways that can result in so-called “stress cracks” in the drywall.

Dealers employ drywall construction companies, or use their own drywall employees, to complete the tape and texture “close-up” required to join the sections of the home after the sections are mated together and the home has been leveled by the set-up installer. At this time the drywall personnel repair any stress cracks as a result of the transportation from the factory to site. The factory will “ship loose” the matching paint and other drywall materials needed to effect the close-up and repair the stress cracks as required.

A manufactured home is built in the factory on a steel frame and chassis. The longitudinal steel I-beams of the frame are engineered with camber in the frame to account for the placement of the axles on the frame and the disposition of weight at the various locations throughout the home using steel crossmembers to support interior weight and outriggers to support the exterior sidewalls. All this steel and engineering is primarily to maintain the integrity of the home in transport.

After the home is completely installed and homeowner’s personal belongings and furniture have been moved into the house, there can be a settling of the home that can result in the home becoming unlevel over a short time period. The settling of the house can possibly result in the reappearance of minor drywall cracks. The amount of settling is usually attributable to the soil conditions and the types of footings, pads, and/or runners supporting the piers or blocks that support the weight of the home. Homes installed on a permanent foundation are unlikely to be subject to settling.

Other examples of your home becoming unlevel are doors that do not open and close smoothly or windows that become difficult to open or close.

My experience is that the extent of settling is within a time frame of a few months after assuming occupancy.

New manufactured home purchasers are not always informed of the “settling” considerations at the time of sale. Homeowners sometimes are concerned that the home has structural defects that are creating the drywall cracking and uneven floors. In reality, settling is a natural occurrence that has nothing to do with with the manufactured home building process.

Being aware of the settling possibility, it is suggested that at the time of purchase you negotiate a written understanding with your selling dealer to relevel your home and repair any resulting drywall cracks within one year if required.

It is unlikely that your new manufactured home will ever need to be re-leveled in the future if home site placement is on stable soil.

(Image credit: Gooden-Harrison Construction Co.)

2013 manufactured home, affordable housing, home, house, manufactured homes, mobile homes, National

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Manufactured Homes: “Settling Can Be Unsettling” (2024)

FAQs

Manufactured Homes: “Settling Can Be Unsettling”? ›

After the home is completely installed and homeowner's personal belongings and furniture have been moved into the house, there can be a settling of the home that can result in the home becoming unlevel over a short time period. The settling of the house can possibly result in the reappearance of minor drywall cracks.

What happens when a mobile home settles? ›

Over time, mobile homes gradually begin to settle and become uneven. It can cause cracks in the walls and make the floorboards squeak because of the gaps it leaves behind.

Why do manufactured homes have a bad reputation? ›

The term “manufactured housing” often comes with negative connotations: poorly maintained homes, sub-par quality, and aesthetically unappealing. This unfavorable stereotyping belies the fact that today's HUD Code manufactured homes are not unlike the ugly duckling flourishing to a refined adulthood.

What is the downside of a manufactured home? ›

A disadvantage of buying a mobile home is that its value will depreciate quickly. Like a new car, once a mobile home leaves the factory, it quickly drops in value. Stick-built homes, on the other hand, normally appreciate in value over time because the stick-built home owner almost always owns the underlying land.

Why are people against manufactured homes? ›

Manufactured homes might not be a good idea for some home buyers for the following reasons: Must have a foundation: You can't just wheel your home wherever you feel like it, like a camper or RV. Manufactured homes require finding undeveloped land or space in a manufactured home community.

How serious is house settling? ›

As a house settles, it can cause many foundation issues. For example, water intrusion, jammed windows, cracking of masonry work and basem*nt walls, and many others. However, if the homeowner acts quickly, the resulting damage from the home settlement can be drastically reduced.

How long does house settling last? ›

Usually, if you live in a suitable environment and have a solid foundation, the amount of settlement and movement will be limited. Generally, it might take around two years internally before the building stabilizes. In most cases, a house should finish “settling” after a year.

Why do banks not like manufactured homes? ›

Many lenders will not approve a conventional loan for a mobile home because they are not considered “real property.” However, homes that are attached to a permanent foundation could qualify.

Why is it harder to insure a manufactured home? ›

Due to their unique construction and vulnerability to certain weather, such as windstorms, manufactured and mobile homes typically don't qualify for traditional homeowners insurance.

What is the stigma of living in a mobile home? ›

A manufactured home is believed to have lost its new factor. Its value as a home is also reduced because people do not believe that they can be able to get a beautiful new home at an affordable price. If they can then it means they have to pay a price later on, for example, the quality and efficiency of the house.

Which manufactured homes are the best quality? ›

TOP 10 Manufactured Builders Ranked – 2023 Study Ratings
1Skyline Homes100.5
2Cavco Homes100.3
3Genesis Homes100.1
4Legacy Housing99.2
5Chariot Eagle98.9
5 more rows

Are there any downsides to living in a mobile home? ›

Cons: Living in a mobile home comes with a stigma. Your mobile home may go down in value. You have to pay rent on the land.

Are manufactured homes well insulated? ›

All mobile homes have wall insulation, but it's typically thin material with a low R-value. All mobile homes have some sort of underbelly. At first, you may think crawlspaces don't need much if any insulation, but it actually is an area where insulation is necessary because of plumbing.

What percentage of Americans live in manufactured homes? ›

Mobile homes make up 6.4% of the US housing sector and there are 8.5m of them, down slightly on 2011, according to the US Census. The number of occupants is not recorded but it's estimated to total about 20 million.

Why Millennials are buying manufactured homes? ›

Beyond affordability, mobile homes can offer appeal due to potentially more green space around them—as well as the ability to move the home if desired. In fact, in some cases, mobile home values are rising faster than single-family homes, according to a recent report from Lending Tree.

Are mobile homes unhealthy? ›

Children may become sensitive to formaldehyde more easily, which may make it more likely they will become sick. Elderly people may be less able to tolerate high formaldehyde exposures. If children or elderly people are in your mobile home, it is important to reduce their exposure to formaldehyde.

What happens when a house settles? ›

What Does House Settling Mean? A common explanation for a creaking floor or an odd bump at home is that it's settling. All houses settle, meaning the house begins to compress into the ground over time and with changing weather. It generally takes about one season for a house to settle.

How do I know if my mobile home is unlevel? ›

If you stand up straight and you are at an angle to the walls, your mobile home is unlevel. The most noticeable way to tell if your home is out of level is by the entrance doors.

How do I know if my mobile home needs to be Releveled? ›

Signs a Mobile Home May Need To Be Re-Leveled
  1. Erosion under the home.
  2. Crack in your wall.
  3. Before building a porch or an addition onto the home.
  4. Buckled siding or roofing.
  5. Doors and windows that are difficult to open and close.
  6. Loose wedges.
  7. Squeaks in the floor.
  8. Loose tie-downs.
Mar 30, 2023

How do you know if a house is settling? ›

Vertical or horizontal cracks in the walls or floors may indicate that the foundation is shifting or settling unevenly. Uneven floors: If the floors in the house are sloping or uneven, it may be a sign that the foundation is settling or shifting.

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