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Definitions You’ll Want to Know

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The following terms explained by the Manufactured Housing Association of BC will help you as you navigate the path to manufactured home ownership.

Amortization Period

Amortization period is the length of time a home is financed over.

Commercial Vehicle Safety and Enforcement Branch

The CVSE is a branch of the Ministry of Transportation and Infrastructure and is the branch responsible for setting policy for movement of large and heavy vehicles across BC and providing the permits for allowing these vehicles to move on provincial highways. The parameter for widths, heights and weight is laid out in the CVSE’s Commercial Transport Policy Manual.

Factory Built Housing

Factory Built Housing is an umbrella term to describe homes that are substantially constructed in a factory and often termed as off-site construction as compared against site-built homes which are constructed “on-site”.

Foundation

A foundation is the base on which a factory-built is situated. Foundations can range from blocks and anchoring cables to piers to cement crawl spaces to full basements.

Homeowners Protection Office

The HPO is the arm of BC Housing responsible for new home warranty coverage.

Local Government By-laws

In British Columbia, local government jurisdictions including cities, municipalities, regional districts, etc. have developed their own separate by-laws. While generally working in concert with federal and provincial government laws, these by-laws do differ across the jurisdictions and it is important that potential home purchasers have an awareness of the respective by-laws before making important decisions. Many local by-laws have restrictions which only allow Z240 or A277 homes to be relocated in their boundaries and then sometimes subject to zoning guidelines similar to size restrictions for site-built homes.

Manufactured Home

A manufactured home is generally defined as a home built to the CSA Z240 MH standard and constructed on a rigid steel frame.

Manufactured Home Park Community

Formerly called mobile home or trailer parks, new terminology denotes the parks or communities that manufactured homes (those conforming to the CSA Z240 or CSA Z277 standard) are situated. In some parts of Canada, such facilities are called land-lease communities.

Manufactured Home Registry

The Manufactured Home Registry is unique to the Province of British Columbia wherein all factory built homes constructed in or brought to BC are required to have a registration number which remains with the home for life unless the home is deregistered for purposes such as combining the home and land for financing purposes.

Modular Home

Modular homes are generally described as homes built to the CSA A277 standard and compete for the same market as site-built home. Modular homes are normally constructed on full foundations and not intended for future transport but can be placed on rigid steel frames and placed on foundations meeting the CSA Z240.10.1 anchoring standard.

Recreational or Seasonal Occupancy Homes (Park Models)

The CSA has developed the CSA Z241 standard which, while similar to CSA Z240 as a stand-alone building code, is intended for service as a recreational home offering three season’s occupancy. In order to allow increased occupancy, most manufacturers are upgrading heating, insulation and exterior finishes accommodating BC’s climatic conditions across four seasons.

Retailer

A Retailer is the interface between the manufacturer and the purchaser. The manufacturers often have their own Retailer networks whose sales firms, in many cases, sell homes solely from a single manufacturer. In other cases, the manufacturer sells directly from the factory without having independent sales lots.

Site Lease Agreement

In situations where a purchaser finances a home with the intention of placing the home in a manufactured home park or community, the financing firm may require the manager of the park to sign a Site Lease Agreement which provides the finance agency access to the home in the case of default. In Canada, a Landlord Consent Form (Reference # 1097) is the standard form agreement used by many financial institutions.

Transporter

The transporter is the trucking firm responsible for relocating the home from the manufacturing plant to the ultimate destination.

Transport Permit

A transport permit is provided by the Manufactured Home Registry in advance of receiving a permit to transport a home of on BC Highways granted by the Commercial Vehicle Safety and Enforcement Branch.

Warranty

Warranties are provided by the manufacturer to provide assurance to the purchaser that the costs of unforeseen problems which result during the manufacturing phase, transport phase or material defects do not accrue to the homeowner during the warranty period.

SOURCE: Purchaser’s Guide to Factory-Built Homes: Manufactured, Modular & Park Model Homes 2016,  Manufactured Housing Association of BC

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