frequently asked questions
RVIA stands for the Recreational Vehicle Industry Association. As a member of RVIA, we certify compliance with more than 500 safety specifications for electrical, plumbing, heating, fire and life safety established under the National Fire Protection Association (NFPA) Standard for Recreation Vehicles. Additionally, we are subject to periodic, unannounced inspections by RVIA representatives to audit our compliance. Most Tiny Houses are not inspected - by anyone - putting you at risk for any number of harms or problems. Here is the link to there website http://www.rvia.org/.
Not having an RVIA seal can limit financing, insurance, DMV registration, and parking options. Tru Form is committed to meet all required safety standards and federal motor vehicle regulations as a recreation vehicle (RV). This may offer many advantages including the transportation, placement and financing of your unit
Additionally, we use licensed plumbers, electricians, and HVAC technicians. This is just one of many practices Tru Form is committed to as a leader in safety and quality! We aim to set the standard for quality in the industry of Tiny Homes.
PARK MODELS differ from 8.5 ft wide travel trailers in a couple of ways. Our versions are built over 10ft wide, with varying lengths, and they don’t require escorted travel . They are built to RVIA’s Park Model code, but with Tru Form Tiny’s added quality standards. Park Models need special permits and licenses to travel when over 8.5 ft wide, so they are meant to be moved only when absolutely necessary. The axles and tongue can be removed, and the undercarriage hidden with skirting. Rather than our online designer we currently offer Palette Design Packages that determine the finishes for the Villa Series. At present we have farmhouse modern builds to share. Modern/ Urban Park Models are available and in concept phase.
All TRAVEL TRAILER tiny home units are 8.5 ft wide - making the interior living space 7'7" wide through-out. The Payette and Kootenay leave a lot of open space in the great room. This allows you to furnish it your way, or we can add furnishings, built-ins, beds, and more, to maximize storage. We're excited about this space being customizable to meet your unique needs.
TRU FORM FINANCING
We have partnered with many different banks, credit unions, and financial institutions in order to get our customers as many financing options as they can get. In order to get the process going, fill out your information and we can take it from there. The form is located here (Financing page). A 5% - 20% down payment is standard on most loans for RVs and Mortgages.
Since we are members of RVIA, NADA listed, and a RV dealer you can apply at any bank or Credit Union for an RV loan. Seven, 10, and 15 year loan terms are available. We also work closely with several RV lenders to give our customers the most available options. It's a very easy process, and we're happy to help you navigate your loan process.
HOME EQUITY LOAN
Another common financing method is to get a Home Equity Line of Credit or “HELOC”. Lenders will often loan you a percentage of the equity in your home. Home equity loans are easy to qualify for, and the terms are highly competitive. This method requires that you already own a home.
Personal and unsecured loans can be acquired through your bank or credit union, as well as through online lenders and peer to peer lending programs. Personal and unsecured loans are not backed by collateral, therefore credit requirements are more stringent, and interest rates are sometimes higher than other loans.
Tru Form is revolutionizing the industry by offering a mortgage option. This is ideal for individuals who want lower payments and a longer term loan, and whom plan to live in a Tru Form Tiny full time as a primary residence. We have achieved this banking relationship through rigorous review, time tested quality and design, and a commitment to excellence above and beyond current building standards of this industry. This mortgage lender knows our product will long outlive the longer length of their loans.
Depending on the model and size, either a 3/4 ton pickup or a 1 ton pickup truck is recommended for moving your Travel Trailer RV. Once you have decided on a model and options, we can determine the pickup size you will need.
Your RV may need to be licensed, insured, and registered. Contact your local DMV for more details. It may be that all you need is a trip permit, depending on your use and type of lending. If you don't plan to move it very often, a licensed mover can move your RV for you from one place to another; usually for a "by-the-mile" fee ($3.00-$5.00/mile). Tru Form delivers to all contiguous United States.
It's important to be aware of laws and code concerning RV parking wherever you decide to keep it.
Since we are members of RVIA and listed in NADA, insurance can be purchased at any major insurance carrier. Just like your car. If you get a mortgage through us, your insurance will be rolled into your mortgage payment.
Building a safe, durable tiny house takes skill. Do you currently have construction knowledge and experience? If not, do you have the patience and commitment needed to acquire the skill? If you've never built anything, consider building something simple, like a set of shelves or a table to test your skill and gain confidence before beginning construction.
Insurance can be obtained fairly easily for RVs built by certified RV manufacturers. For many tiny homes, finding insurance can be challenging.
Build space -
Do you have, or can you find, a place to build your tiny house? If your area has severe weather you may require an indoor space.
Building a tiny house takes between 400 and 1,000 hours, depending on your skill level and the complexity of the house. Do you have this much free time? Can you be comfortable extending your build timeline as necessary to fit it into your existing work and family commitments?
Money - If you have savings and know where you'll park your tiny house, buying one that's already complete may be the best path. If money is tight and/or you're not sure where you'll live, take it slow and work through your options.
Can you afford to buy tiny house plans, materials and tools? - If the answer is no, proceed with caution so you’re not left with tools, materials, and lost time with very little, to no resale value.
Can you afford to buy a new, completed RV (around $45,000 to $80,000)? - Some companies build to RV standards which makes financing an option. Note, RV financing offers shorter terms and higher interest than a conventional 30 year mortgage.
Can you afford a used RV or partially built tiny house? - These can offer cost-
savings, but be careful. If the house or RV is used, get as much information as possible on how it was built (construction methods and materials). If new but partially built, ask why the owner decided not to finish it. Were there issues with the construction? Also, be aware that finishing a tiny house - or an RV - is expensive. Adding walls, flooring, cabinets and shelves can cost as much or more than the house shell alone.