Palm Harbor Homes, Inc., along with its subsidiaries, engages in the manufacture and marketing of factory-built homes in the United States. It manufactures single and multi-section manufactured homes under various brand names, including Palm Harbor, Masterpiece, Keystone, CountryPlace, River Bend, and Windsor Homes. The company, through its subsidiaries, offers chattel and non-conforming land/home loans to purchasers of factory-built homes sold by company-owned retail superstores, as well as independent retail dealers, builders, and developers. It also provides property and casualty insurance for owners of manufactured homes. The company sells homes through a distribution network consisting of its own retail superstores and independent dealers, builders, and developers. As of March 31, 2007, Palm Harbor Homes sold its products in 27 states through 107 company-owned retail superstores and builder locations. The company was founded in 1977 and is headquartered in Addison, Texas.