Frequently Asked Questions

What is a manufactured home?

Manufactured homes, are built in a factory. Each home conforms to the US government’s Construction and Safety Standards (HUD code), rather than to building codes enforced at the home’s destination. Each home or segment of a home is labeled with a red tag that is the manufacturer’s guarantee the home was built to conform to the HUD code. Oak Creek manufactured homes exceed HUD code construction requirements and are known for their quality and attention to finish detail. Each of our homes comes with a 7-Year Service Protection Package – the strongest in the industry.

Are manufactured homes built as strong as site-built homes?

You are assured of first-rate construction, because all manufactured homes built since 1976 must meet the strict performance standards of the U.S. Department of Housing and Urban Development (HUD). The department’s code requires the highest standards in every phase of construction and its requirements are comparable to the Standard Building Code for site-built homes. Oak Creek Homes has its own quality assurance program, and every home’s design and construction is inspected and approved by an independent outside source.

Are manufactured homes safe?

Oak Creek Homes built for the Gulf Coast are designed to withstand hurricane-force winds. As for fire, insurance company studies concluded that the chance of fire in a site-built home is twice that of today’s manufactured home. Thanks to stringent building codes, safety inspection standards and anchoring requirements, an Oak Creek manufactured home may be the safest home you can buy.

Where can I find details about my manufactured home’s build date and origins?

To find the date of manufacture, look for a data plate located inside your home, usually on or near the main electrical panel, in a kitchen cabinet, or in a bedroom closet. The data plate offers information about the home’s heating, cooling, and other appliances and components. The data plate also shows you the wind zone and snow load for which the home was built. A red HUD label with a stamped serial number should be attached to the exterior of the home.

May I put my manufactured home on any lot or tract of land?

No. Some communities and developments do not allow manufactured housing. Research local zoning ordinances, deed restrictions, restrictive covenants, and other similar documents before purchasing land for a manufactured home. If you are moving into a community with ordinances or construction restrictions, you may want to consider an Oak Creek modular home.

May I move my manufactured home to another location?

Yes, but make sure you use a transport company that is familiar with the laws for moving such structures. You should also consider the zone for which the manufactured home was originally constructed. Never move a manufactured home to a zone with more restrictive wind, thermal, or roof load requirements than the zone for which it was built. Check the data plate for zoning information. Climate differences and the cost of moving your manufactured home might make it more practical to sell it and purchase another at your new location.

Who will finance my manufactured home?

Financing a manufactured home is no more difficult than financing any other home. Personal property financing is readily available. Conventional, VA, FHA and other financing programs, with terms of up to 30 years, are available when a home is financed as real property. Lenders are active in financing manufactured homes because studies prove that the appreciation of these homes is comparable to the appreciation of site-built homes. Oak Creek Homes can help you with a number of financing options to fit your needs and budget.

Is my new manufactured home covered by Protection Plan?

Most manufacturers offer a Protection Plan that covers the home and its systems during a stated Protection Plan period. Some appliances may be covered by their own warranties. Before you purchase a manufactured home, find out which items are covered by Protection Plan, who offers the Protection Plan, and how Protection Plan repairs are performed. Oak Creek Homes sold at participating Oak Creek home Centers are covered with a 7-Year Service Protection Package. Just ask for details when you visit a participating home center.

What if I have problems with my manufactured home?

Oak Creek Homes takes pride in the fact that we offer personal service after the sale and installment of all of our homes. Our goal is to have happy customers that we can turn to for recommendations for future home buyers. In the event of a problem, please call your service representative and we will do everything we can to correct the problem as quickly and conveniently as possible.

What is a modular home?

Modular homes are built in sections in a factory setting, indoors, where they are never subjected to adverse weather conditions. The sections move through the factory, with the company’s quality control department checking them after every step. Finished modules are covered for protection, then transported to your home site. They are placed on a pre-made foundation, joined, and completed.

How long does it take to build a modular home?

That depends on your design, but some modular homes can be built in the factory in as little as 4-6 weeks. And since modulars are built indoors, there’s never a weather delay. It usually takes another 2-4 weeks to complete the home once it’s delivered to the building site.

Are modular homes and manufactured homes the same thing?

Mobile homes, now called manufactured homes, are built to conform to the same federal code, no matter where they will be delivered. That code is called the HUD code. A modular home conforms to the building codes that are required at the specific location it will be delivered to, and in many cases construction exceeds the required codes.

Don’t all modular homes look alike?

No, and unless you were there to see the house delivered and assembled, you might not guess it’s a modular home. Oak Creek offers a broad array of exterior designs and interior floor plans.

Will banks finance a modular home?

Yes. Most banks, appraisers, and insurance companies treat modular homes the same way they do site built homes–a house that’s constructed entirely on your property. Oak Creek Homes offers a number of financing options for you to consider. Please use this web site to fill out a loan application and the mortgage calculator to help you determine the monthly payments that best fit your budget.

Can I save money by building a modular home?

We believe you Oak Creek homes offer a terrific value for the dollar and typically costs less per square foot than a similar site-built home. And there are other cost-saving features:

  • Many modular homes are very energy efficient, which helps reduce your heating and cooling costs.
  • Your home will probably be ready to move into much sooner than if you wait for a builder to construct a house on-site.

Modular Homes Huntsville

Oak Creek Homes in Huntsville is the leading manufactured home dealer in the Huntsville area. Today’s manufactured homes can deliver outstanding quality and performance at prices ranging from 10 to 20 percent less per square foot than conventional site-built homes. These savings allow more and more Americans to own their own home, even in the face of an ever-widening housing affordability gap.

The affordability of modular homes and manufactured housing can be attributed directly to the efficiencies emanating from the factory-building process. The controlled construction environment and assembly-line techniques remove many of the problems encountered during traditional home construction, such as poor weather, theft, vandalism, damage to building products and materials, and unskilled labor. Factory employees are trained and managed more effectively and efficiently than the system of contracted labor employed by the site-built home construction industry.

Much like other assembly-line operations, manufactured homes benefit from the economics of scale resulting from purchasing large quantities of materials, products and appliances. Manufactured home builders are able to negotiate substantial savings on many components used in building a home, with these savings passed on directly to the homebuyer.


Manufactured Homes Huntsville


Today’s manufactured homes have experienced a major evolution in the types and quality of homes being offered to buyers. Technological advances are allowing manufactured home builders to offer a much wider variety of architectural styles and exterior finishes that will suit most any buyer’s dreams, all the while allowing the home to blend in seamlessly into most any neighborhood. Two-story and single-family attached homes are but two of the new styles being generated by factory-built innovation. As a result, today’s manufactured homes are offering real housing options for the neglected suburban and urban buyers.

At the same time, greater flexibility in the construction process allows for each home to be customized to meet a buyer’s lifestyle and needs. Interior features now include such features as vaulted ceilings and working fireplaces to state-of-the-art kitchens and baths, giving the homebuyer all the features found in traditional, site-built homes. Enhanced energy efficiency in manufactured homes, achieved with upgraded levels of insulation and more efficient heating and cooling systems, provide another source of savings for homeowners, especially in this era of rising energy costs. Smart buyers are turning to Energy Star-labeled manufactured homes for substantial savings in many aspects of owning and operating a home.

Technological advances, evolutionary designs, and a focus on delivering quality homes that families can afford are the driving forces within the manufactured housing industry. That’s why more people are turning to manufactured housing to deliver homes that fit their needs and wants, at prices they can afford!