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require contractors on public works projects to be bonded. The Hybrid ARM Because of lower cost and the fact that their value tends to depreciate more quickly than site-built homes, manufactured housing is traditionally, although certainly not always, used by lower-income people. This has led to prejudice and best compare mortgage rate zoning restrictions, built around the stereotypical concept of a trailer park where best compare mortgage rate housing occupies small, rented lots and often remains on wheels, even if it stays in one place for decades. Modern units, especially modular homes, often belie this image and can be identical in appearance to site-built homes. In the United States, the term manufactured housing is colloquially used to include both best compare mortgage rate homes and modular homes, but its technical use is restricted to a class of homes regulated by the Federal National Manufactured Housing Construction and Safety Standards Act of 1974. These homes are regulated by the United