B-E04
CMHC offers loan insurance paths for some factory-built homes, both fixed and movable.
Limits: Each path has terms to meet. This is not a promise of a loan. A loan secured on a movable home does not mean the buyer owns the land.
Find the full cost of a home
Track each cost from the factory to move-in day. Show what the buyer owns. Then test how rule changes could cut the bill.
Our argument
A factory price is just one part of a home bill. A low price means little if you cannot place the home, borrow to buy it or live there all year. We want a clear path from a sound home design to a legal place to live.
What must change
Track each cost from the factory to move-in day. Show what the buyer owns. Then test how rule changes could cut the bill.
What a win looks like
A full move-in price, clear ownership rights and fewer costly steps that add no safety.
Public cost
We have not yet priced this ask for the public purse. Any public aid must be priced before we seek funds for it.
The evidence
S-E01
Health Canada lists CSA, cUL and cETL as safety marks for goods that use power.
Limits: This does not show that a US-only mark is accepted. A mark on a product does not approve a whole building or how the product is put in.
S-E02
Intertek says the letters on an ETL mark show which country’s standards it covers.
Limits: Check the exact model, the lab’s list, the version of the standard and what the test covers. The letters can mean US, Canada or both.
S-E03
BC explains that Z240 home rules and A277 factory checks do different jobs.
Limits: The guide also covers site work and energy rules. It is BC advice. It does not prove that US home rules are equal or that a home can be lived in on a given lot.
S-E04
A BC guide shows ways to get the wiring in some factory homes approved.
Limits: It includes some paths that use a silver label. Passing a wiring check does not approve the whole building. The guide does not cover RVs.
Studies and notes
Research note
Four home prices. Four unfinished bills.
Our first source checks cover BC, Alberta, Ontario and Quebec. The next step is to price a legal place to live.
Read the note ↗What we need to check
Price the same steps in BC, Alberta, Ontario and Quebec. Get real site and loan quotes before adding up savings.
Read the study plan ↗Updates
— Case opened with our argument, our ask and the facts still to check.
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