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How to Finance a Manufactured Home

Manufactured home is a fancy term for mobile home.  Getting a mortgage loan for a manufactured home is a bit more tricky than obtaining a conventional mortgage or constuction loan for your primary residence.  But, if you have excellent credit and cash on hand, you'll likely have your pick of lenders and competitive home loan products.  Consider some options in financing a mobile home together with a lot. 

Taken from ~ ehow - How to Finance a Mobile Home with Land

Buy a Manufactured Home

Most manufactured homes are sold through retail sales centers, many of which are independently owned and operated.  Others are owned and operated by a manufacturer. In some states, you may also buy from a manufactured home community owner, developer or if you're purchasing a previously owned home, a real estate agent. 

Taken from ~ How to buy a Manufactured home ~ Factory Built Housing.

Where can I locate my Manufactured Home?

Many homes are placed on privately owned property.  If this option appeals to you, find our about zoning laws, restrictive covenants, and utility connections.  Your retailer can give you more information.  Another option is to place your home in a land-lease community specifically designed for mobile homes.  Here, you own the manufactured home but lease the land.  Placing your mobile home in a land-lease community involves fewer siting considerations such as utility connections.  A third option is buying the manufactured home and land together in a planned subdividsion were siting issues are handled by the developer.

Taken From~ How to Buy a Mobile Home

Choosing a Manufactured Home

What size and floorplan do I want?  Manufactured homes come in a variety of sizes and floorplans that include spacious living rooms, dining rooms, fully - equipped kitchens, bedrooms, family rooms and utility areas.  Depending on the size of your homesite you can choose a single- section or larger multisection design.  Homes range in size from 900 to 2,500 square feet.  

Installing Piers for A Mobile Homes

The Piers in a mobile- home foundation in Ohio may be made of concrete or of pressure - treated, waterproofed wood.  Manufactured piers, or piers made elsewhere and transported to the site, must be labeled with their required vertical and horizontal load capacities.  All piers must be built to withstand the weight of the mobile home. 

Taken From ~ Mobile Home Foundation Laws in the State of Ohio.