Category: Helpful Resources

A collection of helpful manufactured home resources for homeowners and buyers.

  • Everything You Need to Know about Buying a Mobile Home in Montana

    Everything You Need to Know about Buying a Mobile Home in Montana

    For the past few months, our state guide series has been providing valuable information and resources for buying a mobile home across the country. Last week, we took a look at resources you can use when Buying a Mobile Home in Washington. It continues this week with a look at essential things to know you are buying a mobile home in Montana.

    Mobile Home Living Statistics in Montana

    Montana is the 4th largest state in the country but is only home to a little over 1 million people. Of those 1 million people Statemaster estimates that almost 13% of those people live in a mobile/manufactured home. Some other interesting numbers from Mobile Home Village offers insight into the state:

    • The average price of a pre-owned home: $52625
    • Average model year of a pre-owned home: 2007
    • Average pre-owned home size in square feet: 1347
    • The average sites in a manufactured home community: 68
    • An average year a community was developed: 1974
    • Number of age-restricted communities: 9
    • Number of all-age communities: 187

    Resources for Buying a Mobile Home in Montana 

    State Associations

    The Montana Manufactured Housing and RV Association is the professional organization in place in the state that keeps manufacturers, dealers, transporters and other manufactured service providers up to date with the latest laws, licensing requirements, and regulations concerning manufactured homes.

    Although they do not include a consumer section on their site, we recommend contacting them if you have questions about area manufacturers or dealers as they will be able to point you in the right direction.

    Montana Manufactured Housing & RV Association
    P.O. Box 4396
    Helena, MT 59604
    Phone: 406-442-2164
    Fax: 406-442-8018
    gro.vrhmtmobfsctd-18f6d8@ofni

    Registration Requirements in Montana

    Montana’s titling requirements are relatively straightforward. If you manufactured home was built in 1977 or later a title is required from the Department of Justice, Motor Vehicles Division. If you buy a used mobile home built before 1977, you must complete an ownership change request that is specific for the older mobile home.

    As in most states, if the home is on a permanent foundation, it will then be classified as real property. A form must be filed with the County Clerk’s office where the home will be attached. For any questions about which forms you need or how your home is classified, you can contact the Montana Department of Revenue.

    Keep in mind, if you are buying a mobile home in Montana from a dealer they will usually handle all the form filings for you. Just be sure to confirm when closing the sale.

    Issues After Purchase

    Contact Your Dealer

    If you are buying a new mobile home, the home includes a one year manufactured warranty. Any issues or defects from the factory or the installation are usually taken care of by contacting your dealer. They typically have a staff that handles any problems that occur.

    Keep in mind you will want to keep a record of any correspondence (typically contact them in writing via certified mail) so that you will have a paper trail in case your issues aren’t handled properly.

    Dispute Resolution Program

    If you aren’t able to get your issues resolved, you will need to utilize the HUD Manufactured Housing Dispute Resolution Program. Montana doesn’t administer their program. Instead, they are a part of the federal program that is in place.  You can submit your complaint the following ways:

    Online
    Email: ten.prdduhobfsctd-1477d5@ofni
    Phone: 571-882-2928
    Fax: 888-819-5191
    Mail (preferably certified):
    ATTN: Manufactured Home Dispute Resolution Program
    1676 International Drive
    Suite 501
    McLean, Virginia, 22102

    The Mobile Homes of Montana

    Every week in our state guide series we like to give you a peek into some of the mobile homes you might find available in the state. This week there were only around 200 homes available on Zillow, but they included some gorgeous mobile homes with awesome views.

    buying a mobile home in montana-tiny home
    This Tiny Home Has A Perfect Backdrop.

    Related: Tiny Home Designs That Make Downsizing Look Good.

    buying a mobile home in montana-home with view
    Look At That View!
    buying a mobile home in montana-home with basement
    This Mobile Home Looks To Sit On A Full Basement.
    buying a mobile home in montana-double wide
    Look At That Sky!

    If you are considering buying a mobile home in Montana, we hope our resources will help you before, during and after your purchase. With so much open land in Montana, it is sure to continue to be a top choice for mobile home buyers.

    Our series continues next week, with a look at buying a mobile home in Ohio.

    Thanks for reading Mobile Home Living®.

  • Things to Know When Buying a Mobile Home in Montana

    Things to Know When Buying a Mobile Home in Montana

    For the past few months, our state guide series has been providing valuable information and resources for buying a mobile home across the country. Last week, we took a look at resources you can use when Buying a Mobile Home in Washington. It continues this week with a look at essential things to know you are buying a mobile home in Montana.

    Mobile Home Living Statistics in Montana

    Montana is the 4th largest state in the country but is only home to a little over 1 million people. Of those 1 million people Statemaster estimates that almost 13% of those people live in a mobile/manufactured home. Some other interesting numbers from Mobile Home Village offers insight into the state:

    • The average price of a pre-owned home: $52625
    • Average model year of a pre-owned home: 2007
    • Average pre-owned home size in square feet: 1347
    • The average sites in a manufactured home community: 68
    • An average year a community was developed: 1974
    • Number of age-restricted communities: 9
    • Number of all-age communities: 187

    Resources for Buying a Mobile Home in Montana 

    State Associations

    The Montana Manufactured Housing and RV Association is the professional organization in place in the state that keeps manufacturers, dealers, transporters and other manufactured service providers up to date with the latest laws, licensing requirements, and regulations concerning manufactured homes.

    Although they do not include a consumer section on their site, we recommend contacting them if you have questions about area manufacturers or dealers as they will be able to point you in the right direction.

    Montana Manufactured Housing & RV Association
    P.O. Box 4396
    Helena, MT 59604
    Phone: 406-442-2164
    Fax: 406-442-8018
    gro.vrhmtmobfsctd-5c8a07@ofni

    Registration Requirements in Montana

    Montana’s titling requirements are relatively straightforward. If you manufactured home was built in 1977 or later a title is required from the Department of Justice, Motor Vehicles Division. If you buy a used mobile home built before 1977, you must complete an ownership change request that is specific for the older mobile home.

    As in most states, if the home is on a permanent foundation, it will then be classified as real property. A form must be filed with the County Clerk’s office where the home will be attached. For any questions about which forms you need or how your home is classified, you can contact the Montana Department of Revenue.

    Keep in mind, if you are buying a mobile home in Montana from a dealer they will usually handle all the form filings for you. Just be sure to confirm when closing the sale.

    Issues After Purchase

    Contact Your Dealer

    If you are buying a new mobile home, the home includes a one year manufactured warranty. Any issues or defects from the factory or the installation are usually taken care of by contacting your dealer. They typically have a staff that handles any problems that occur.

    Keep in mind you will want to keep a record of any correspondence (typically contact them in writing via certified mail) so that you will have a paper trail in case your issues aren’t handled properly.

    Dispute Resolution Program

    If you aren’t able to get your issues resolved, you will need to utilize the HUD Manufactured Housing Dispute Resolution Program. Montana doesn’t administer their program. Instead, they are a part of the federal program that is in place.  You can submit your complaint the following ways:

    Online
    Email: ten.prdduhobfsctd-1fda64@ofni
    Phone: 571-882-2928
    Fax: 888-819-5191
    Mail (preferably certified):
    ATTN: Manufactured Home Dispute Resolution Program
    1676 International Drive
    Suite 501
    McLean, Virginia, 22102

    The Mobile Homes of Montana

    Every week in our state guide series we like to give you a peek into some of the mobile homes you might find available in the state. This week there were only around 200 homes available on Zillow, but they included some gorgeous mobile homes with awesome views.

    buying a mobile home in montana-tiny home
    This Tiny Home Has A Perfect Backdrop.

    Related: Tiny Home Designs That Make Downsizing Look Good.

    buying a mobile home in montana-home with view
    Look At That View!
    buying a mobile home in montana-home with basement
    This Mobile Home Looks To Sit On A Full Basement.
    buying a mobile home in montana-double wide
    Look At That Sky!

    If you are considering buying a mobile home in Montana, we hope our resources will help you before, during and after your purchase. With so much open land in Montana, it is sure to continue to be a top choice for mobile home buyers.

    Our series continues next week, with a look at buying a mobile home in Ohio.

    Thanks for reading Mobile Home Living®.

  • Resources You Can Use When Buying a Mobile Home in Washington

    Resources You Can Use When Buying a Mobile Home in Washington

    Our state guide series has been taking a look at information that is good to know if you are considering buying a mobile home. Last week our focus was on Buying a Mobile Home in Kentucky, and this week we are sharing valuable resources to know about when buying a mobile home in Washington.

    Mobile Home Living in Washington by the Numbers

    Over 7.5 million people are living in the state of Washington. According to Statemaster, around 7.5% of those people reside in a mobile home. Some other interesting facts about Washington from our friends at Mobile Home Village include:

    • The average price of a pre-owned home:   $110796
    • Average model year of a pre-owned home:   1999
    • Pre-owned home size in square feet:   1484
    • Average sites in a manufactured home community:   77
    • The average year a community was developed:    1979
    • Number of age-restricted communities:     294
    • Number of all-age communities:      551

    buying a mobile home in washington

    Resources You Can Use When Buying a Mobile Home in Washington

    Ask an Expert

    Washington has an abundance of resources when it comes to mobile homes. The Manufactured Housing Communities of Washington Association provides resources to Mobile Home Communities and Managers. Their mission is to promote a successful relationship and communication between communities and residents.

    They also have in place The Northwest Housing Association, which is full of resources about factory built homes. You can find information about reputable dealers, lenders, insurance options and many other services for potential buyers.

    There are also some helpful checklists, worksheets, and videos to help with the process.

    NORTHWEST HOUSING ASSOCIATION
    1530 Evergreen Park Drive S.W.
    Olympia, WA 98502
    360-357-5650
    gro.gnisuohtsewhtronobfsctd-79b8ff@ofni

    Register Your Mobile Home

    According to AAA’s Digest of Motor Laws, if you are placing your mobile home on your personal property, a title is not necessary. Instead, the home and property are registered within the county property records where it is located. Keep in mind, all fees and taxes must be paid when it is registered.

    If the mobile home is located within a community or on rented property, the home will need to be titled through the Washington DOL. You can find all the necessary forms to title or eliminate the title on the Washington State Department of Licensing page.

    Keep in mind, if you are buying a new mobile home, the dealer will usually take care of all the paperwork and filings for you. You will want to double check that everything is handled.

    Getting Your Issues Resolved

    Warranty Issues

    As we have mentioned before, all new mobile homes come with a one-year warranty. Any issues that occur in that first year can usually be handled by contacting the dealer. You will want to keep good records of any communications (preferably communicate in writing) so that you have a paper trail showing you have tried to resolve your issues within the first year.

    Unfortunately, there are times that the dealer is unwilling or unable to resolve your issues. When that happens, you will want to reach out to the Washington Manufactured Housing Dispute Resolution Program. You can complete the form and email, fax, or mail it to:

    Mail: Dealer Investigations–Olympia
    Department of Licensing
    PO Box 9039
    Olympia, WA 98507-9039
    Email: vog.aw.lodobfsctd-2dc339@srelaed
    Fax: (360) 570-4953

    Issues Within a Mobile Home Community

    Washington state enacted a law in 2007 to help protect the relationship between tenants and landlords within their mobile home communities. The Manufactured Housing Dispute Resolution Program is in place to protect both the tenant and the landlord when there are issues that cannot be resolved. Visit the site to learn more about how this program works and to access information regarding filing a complaint.

    Washington Mobile Homes Offer Some Awesome Views

    Zillow currently offers over 1200 mobile and manufactured homes for sale in Washington. Many of these mobile homes are found in some of the cool scenic areas of the state. So whether you are looking for a vacation spot or a forever home, there are plenty of options available when buying a mobile home in Washington.

    buying a mobile home in washington-double wide with view
    Look At That View!
    buying a mobile home in washington-double wide
    What A Beautiful Landscaping Job.

    Related: 14 Great Mobile Home Exterior Makeover Ideas for Every Budget.

    buying a mobile home in washington-single wide

    Very well maintained single wide.

    buying a mobile home in washington-triple wide
    This Home Is A Huge Triple-Wide.

    Stay tuned for next week’s installment when our attention turns to things to know when buying a mobile home in Montana.

    Thanks for reading Mobile Home Living®.

  • Low-Income Home Repair Loans and Programs to Help Mobile Home Owners in Need

    If you need a sudden mobile home repair and don’t have the money, what can you do? What options are available to elderly or disabled mobile home owners that don’t make a lot of money but need their homes repaired? Fortunately, there are a few low-income home repair loans available.

    We’ve gathered several federal and state programs and even a few private funding options available to eligible applicants.

    We’ve previously written an article titled 18 home improvement and grants for your manufactured home remodel but this article will focus specifically on ideas and programs for elderly, disabled, and low-income families that need help and may not have the credit scores or income needed to get standard loans as we shared in the other article.

    USDA Programs for Low-Income Home Repair Loans

    More than 60 million people live in rural areas in the US. Most mobile and manufactured homes are in a rural area so it makes sense that we start with the USDA.

    The USDA stands for the United States Department of Agriculture – Rural Development. It focuses ‘providing financial resources and support for rural communities, residents, and businesses’. The USDA defines rural populations as an area that has less than 20,000 occupants living outside of metropolitan areas or urban areas if the population is less than 10,000 with a major lack in mortgage credit.

    The USDA has many loans and grants available to homeowners, tenants, and businesses, this link will take you to a list of their most popular programs. 

    Section 504, The Rural Repair and Rehabilitation Loan and Grant Program

    The Rural Repair and Rehabilitation Loan and Grant Program, also known as the Section 504 loan and grant fund, is a USDA program that can help with mobile home repairs and upgrades if the following restrictions are met (verbatim from this form):

    Repairs to Mobile or Manufactured Homes Section 504 loan and grant funds can be used to repair mobile or manufactured homes if:

    • The applicant owns the home and the site and occupied the home prior to filing an application;
    • The repairs are needed to remove health or safety hazards; and
    • The home is on a permanent foundation or will be put on a permanent foundation with Section 504 funds.

    A permanent foundation is defined as either: (1) a full below-grade foundation; or (2) blocks, piers, or some other type foundation with skirting and anchoring with tie-downs.”

    The program is only open to people that meet the following controls:

    • Be the homeowner and occupy the house
    • Be unable to obtain affordable credit elsewhere
    • Have a family income below 50 percent of the area median income
    • For grants, be age 62 or older and not be able to repay a repair loan

    You can find Rural Repair and Rehabilitation Loan and Grant Program application here. This form is a complete checklist for the program’s guidelines and requirements. 

    The USDA has Low-Income Home Repair Loans

    Here’s a brief list of mobile home repairs and improvements the USDA loans and grants can cover:

    • Roof repair or replacement
    • Insulation, doors, caulking, and storm windows
    • Wood burning stoves that meet safety requirements
    • Repair of structural supports
    • Room addition for large families
    • Provision repair for sewage and water systems
    • Reasonable connection fees
    • Wiring
    • Repair needed due to previous occupants
    • Fee payment on loans
    • Accessible to handicapped (if needed)
    • Flood insurance

    Learn Where to Find Mobile Home Parts and Supplies Here

    Additional USDA Programs for Mobile Homeowners

    If you dream of having a small mobile home on a large farm then the USDA should be your first stop. You may be eligible for a loan or grant.

    There are programs to help low-income families purchase homes, too. Section 502: The Direct Loan Program helps low-income applicants obtain safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.

    The Single Family Home Loan Guarantees can help lenders to provide low-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. There also have loans for families wanting to get started in farming. You can see more loans here.

    See if your area is considered rural and if your income is within their required range for each program here. 

    Read about the Top 3 Mobile Home Makeover Ideas that Add Value

    HUD Programs for Low-Income Home Repair Loans

    HUD is the U.S. Department of Housing and Urban Development. They handle housing issues throughout the country. But they have home repair loans, too.

    FHA / Title I

    The FHA Title I loans are a little-known financing tool for home improvements and repairs. Buyers can also piggyback a Title I loan onto their purchase mortgage to fix up a property they’re buying.

    The loan must be funded through a lender that is approved for Title I loans and must be used to finance repairs or improvements on a residence that has been occupied for at least 90 days.

    • Loans of up to $7500 are available as unsecured for a manufactured home that is not considered real property.
    • If the manufactured home qualifies as real property loans are available for amounts up to $7,500 unsecured to a maximum of $25,090 secured

    A minimum loan term of 6 months applies to both with a maximum of 12 years and 32 days for a manufactured home only and 15 years and 32 days for a manufactured home considered real property.

    There are several home mortgage and home repair programs backed by HUD. If you want to buy a home anywhere HUD should be your first stop. This link, from a private lender, has a complete list of HUD programs available in each state.

    Weatherization Programs and Low-Income Home Repair Loans

    Energy.gov has a program that can help homeowners weatherize their homes at little to no cost. Here’s what the Energy.gov site says about the program:

    Under DOE guidelines, you are automatically eligible to receive weatherization assistance if you receive Supplemental Security Income or Aid to Families with Dependent Children. In other cases, states give preference to:

    • People over 60 years of age
    • Families with one or more members with a disability
    • Families with children (in most states).

    Nationally, as many as 20–30 million U.S. families are eligible for weatherization services. DOE urges you to contact your state weatherization agency to determine if you are eligible for the many benefits of weatherization services.

    These weatherization programs are run through a state weatherization agency. A majority of these weatherization agencies are nonprofit organizations that contract energy professionals. Therefore, you will need to research for your state’s advocacy department. For example, I would Google search ‘West Virginia weatherization program.’ Click here for more information. 

    LIHEAP

    LIHEAP stands for the Low Income Home Energy Assistance Program. It helps low-income families pay for their heating bills in the winter. While it’s not technically a home repair program, it may help you save just enough money to get a much-needed repair. You can see the state LIHEAP programs here. 

    Energy Star Tax Credits and Rebates

    ENERGY STAR® is a government-backed symbol for energy efficiency.  providing simple, credible, and unbiased information that consumers and businesses rely on to make well-informed decisions.

    EnergyStar has rebates and tax credits available for homeowners that buy EnergyStar products. Some of these rebates are pretty good, too. Click here to read about the programs and eligibility.

    Click here to see the database of state incentives for renewables & efficiency that may be available in your state.

    Click here to go to the ENERGY STAR Rebate Finder.

    Layaway Programs Can Help Just as Much as Low-Income Home Repair Loans

    Kmart Layaway

    Kmart is well-known for its layaway program. I remember when they stopped doing it and everyone complained so they brought it back.

    Walmart Layaway

    Walmart has a holiday layaway program that begins in September. There’s no interest and you only need 10% or $10 to put down, whichever is most. You can layaway small appliances and large furniture.

    Note: Be careful of Walmart.com. They are essentially a wannabe Amazon and other companies sell their stuff on the Walmart website. If you buy something from another seller you do not get the benefits that you would with a Walmart product.

    I ordered a dresser on Walmart.com that arrived damaged. I struggled to get that thing in the back of our little SUV and drove it to the nearest store thinking I could just return it (still in the box, I didn’t even take it out since the damage was on a top corner). They wouldn’t take it. I had to email the seller for 4 months before they finally sent me a new one.

    Sears Layaway

    Sears has an 8-week layaway program that will help you with home improvement and appliances.

    Mobile Home Parts Store Layaway

    Mobile Home Parts Store offers a layaway program to get all your mobile home supplies for your remodeling project over time. It’s a great way to tackle one project at a time without a loan.

    Alternative Methods for Low-Income Home Repair Loans

    When you hear low-income home repair loans, you usually think about banks but credit cards are loans too. Hear me out on this – I’m not a fan of credit cards but if you use them responsibly there are a lot of benefits like cashback and extended warranties.

    6 Months Same as Cash Offers on Credit Cards 

    I’m hesitant to even mention these but you have to do what you have to do sometimes. If you have no savings and your refrigerator or stove stops working what are you supposed to do?  You have to feed the family!

    While I’m not a big fan of credit cards, some can be handy to have. Lowe’s, Home Depot, Menard’s, and Tru Value all have no-interest programs if you use their credit cards. You can get the materials you need to repair your home immediately and if you pay the balance off within the allowed timeframe you won’t have to pay interest.

    Usually, it’s a 6 month same as cash program if you spend at least $1,000 but I’ve seen 18 months same as cash offers for purchases over $2,500. This can be a great way to establish or increase your credit score while also remodeling your home. As long as you pay it off quickly you’ll be fine.

    Volunteer Programs for Mobile Home Owners in Need

    School Volunteer Programs 

    My daughter’s school makes every student do volunteer work every year. Freshmen must volunteer 5 hours, sophomores 10, and junior and seniors need 30.

    If you are elderly or disabled you may eligible for these volunteer programs. Contact your local high school and ask if they have a building or construction program or if you can get some volunteer time to help repair your home (again, only elderly and disabled should try this).

    If your town has a trade school that has a construction program (or plumbing, electrical, etc), you could call and ask for help. You’d need to furnish the materials and pull the permits yourself but the opportunity for free labor is there.

    Local Government Programs 

    A lot of small towns and counties across the nation get federal grants for neighborhood revitalization and energy-saving programs. You can call your local courthouse or city hall to see if they can help.

    Church Ministry Volunteer Programs 

    Southern WV gets a lot of out-of-state church groups that come in and do volunteer work for elderly and disabled homeowners. Of course, southern WV is the poorest area in the nation so that may be why they chose the area every year.

    Still, calling your local churches can’t hurt (and actually attending church services before you ask for their assistance would always be a good idea).

    Habitat for Humanity

    Habitat for Humanity does a lot more than just build houses. They have neighborhood revitalization programs and financial education services. You can learn more about their programs by clicking the link.

    Conclusion

    As you can see, there are options for low-income home loans and several programs for mobile home owners in need.

    Mobile home repairs can be financed by federal loans, state grants, or private lender programs.

    Do you have a tip for low-income home repair loans? Know of any volunteer programs for low-income, elderly, or disabled mobile home owners to help get their home repaired? Let us know about them in the comments below.

    Thanks for reading Mobile Home Living®.

  • Low-Income Mobile Home Repair Loans and Programs to Help Mobile Home Owners in Need

    Low-Income Mobile Home Repair Loans and Programs to Help Mobile Home Owners in Need

    When a reader commented that she had a roof leak but couldn’t afford to get it repaired we researched for low-income home repair loans or any programs to help mobile home owners in need.

    If you need a sudden mobile home repair and don’t have the money, what can you do? What options are available to elderly or disabled mobile home owners that don’t make a lot of money but need their homes repaired?

     

    Fortunately, there are a few low-income home repair loans available, both on a federal and private fund level. In addition to low-income home repair loans, there are several programs to help mobile home owners in need.

    We’ve previously written an article titled 18 home improvement and grants for your manufactured home remodel but this article will focus specifically on ideas and programs for elderly, disabled, and low-income families that need help and may not have the credit scores or income needed to get standard loans we shared in the other article.

    USDA Programs for Low-Income Home Repair Loans

    More than 60 million people live in rural areas in the US. Most mobile and manufactured homes are in a rural area so it makes sense that we start with the USDA.

    The USDA stands for the United States Department of Agriculture – Rural Development. It focuses ‘providing financial resources and support for rural communities, residents, and businesses’. The USDA defines rural populations as an area that has less than 20,000 occupants living outside of metropolitan areas or urban areas if the population is less than 10,000 with a major lack in mortgage credit.

    The USDA has many loans and grants available to homeowners, tenants, and businesses, this link will take you to a list of their most popular programs. 

     

    Low-Income Home Repair Loans and Programs to Help Mobile Home Owners in Need - section 504

    Section 504, The Rural Repair and Rehabilitation Loan and Grant Program

    The Rural Repair and Rehabilitation Loan and Grant Program, also known as the Section 504 loan and grant fund, is a USDA program that can help with mobile home repairs and upgrades if the following restrictions are met (verbatim from this form):

    Repairs to Mobile or Manufactured Homes Section 504 loan and grant funds can be used to repair mobile or manufactured homes if:

    • The applicant owns the home and the site and occupied the home prior to filing an application;
    • The repairs are needed to remove health or safety hazards; and
    • The home is on a permanent foundation or will be put on a permanent foundation with Section 504 funds.

    A permanent foundation is defined as either: (1) a full below-grade foundation; or (2) blocks, piers, or some other type foundation with skirting and anchoring with tie-downs.

    The program is only open to people that meet the following controls:

    • Be the homeowner and occupy the house
    • Be unable to obtain affordable credit elsewhere
    • Have a family income below 50 percent of the area median income
    • For grants, be age 62 or older and not be able to repay a repair loan

    You can find Rural Repair and Rehabilitation Loan and Grant Program application here.

    This form is a complete checklist for the program’s guidelines and requirements. 

    Mobile Home Repairs and Improvements Covered by USDA Loans and Grants

    Here’s a brief list of mobile home repairs and improvements the USDA loans and grants can cover:

    • Roof repair or replacement
    • Insulation, doors, caulking, and storm windows
    • Wood burning stoves that meet safety requirements
    • Repair of structural supports
    • Room addition for large families
    • Provision repair for sewage and water systems
    • Reasonable connection fees
    • Wiring
    • Repair needed due to previous occupants
    • Fee payment on loans
    • Accessible to handicapped (if needed)
    • Flood insurance

    Learn Where to Find Mobile Home Parts and Supplies Here

    More USDA Programs to Help Mobile Home Owners in Need

    There are programs to help low-income families purchase homes, too. The Section 502: The Direct Loan Program helps low-income applicants obtain safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.

    The Single Family Home Loan Guarantees can help lenders to provide low-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. They also have loans to help families get started in farming. You can see more loans here. If you dream of having a small mobile home on a large farm then the USDA should be your first stop. You may be eligible for a loan or grant.

    You can click here to see if your area is considered rural and if your income is within their required range for each program. 

    Read about the Top 3 Mobile Home Makeover Ideas that Add Value

     

    HUD Programs for Low-Income Home Repair Loans

     

    HUD Programs for Low-Income Home Repair Loans

    HUD is the U.S. Department of Housing and Urban Development. They handle housing issues throughout the country, rural or urban and are best known for their home buying loans and programs. But they have home repair loans, too.

    FHA/Title I Loans

    The FHA Title I loans are a little-known financing tool for home improvements and repairs. Buyers can also piggyback a Title I loan onto their purchase mortgage to fix up a property they’re buying.

    The loan must be funded through a lender that is approved for Title I loans and must be used to finance repairs or improvements on a residence that has been occupied for at least 90 days.

     

    • Loans of up to $7500 are available as unsecured for a manufactured home that is not considered real property.

     

    • If the manufactured home qualifies as real property loans are available for amounts up to $7,500 unsecured to a maximum of $25,090 secured

     

    A minimum loan term of 6 months applies to both with a maximum of 12 years and 32 days for a manufactured home only and 15 years and 32 days for a manufactured home considered real property.

    There are several home mortgage and home repair programs backed by HUD. If you want to buy a home anywhere HUD should be your first stop. This link, from a private lender, has a complete list of HUD programs available in each state.

     

    Weatherization Programs for Low-Income Home Owners

    Energy.gov has a program that can help homeowners weatherize their homes at little to no cost. Here’s what the Energy.gov site says about the program:

    Under DOE guidelines, you are automatically eligible to receive weatherization assistance if you receive Supplemental Security Income or Aid to Families with Dependent Children. In other cases, states give preference to:

    • People over 60 years of age
    • Families with one or more members with a disability
    • Families with children (in most states).

    Nationally, as many as 20–30 million U.S. families are eligible for weatherization services. DOE urges you to contact your state weatherization agency to determine if you are eligible for the many benefits of weatherization services.

    These weatherization programs are run through a state weatherization agency. A majority of these weatherization agencies are nonprofit organizations that contract energy professionals. Therefore, you will need to research for your state’s advocacy department. For example, I would Google search ‘West Virginia weatherization program.’ Click here for more information. 

     

    LIHEAP

    LIHEAP stands for the Low Income Home Energy Assistance Program. It helps low-income families pay for their heating bills in the winter. While it’s not technically a home repair program, it may help you save just enough money to get a much-needed repair. You can see the state LIHEAP programs here. 

    Energy Star Tax Credits and Rebates

    ENERGY STAR® is a government-backed symbol for energy efficiency.  providing simple, credible, and unbiased information that consumers and businesses rely on to make well-informed decisions.

    EnergyStar has rebates and tax credits available for homeowners that buy EnergyStar products. Some of these rebates are pretty good, too. Click here to read about the programs and eligibility.

    Click here to see the database of state incentives for renewables & efficiency®

    Layaway Programs Can Help Mobile Home Owners in Need

    Kmart Layaway

    If it wasn’t for Kmart’s layaway program my daughter wouldn’t have had much of a Christmas in 2009. For an entire winter, we were living on unemployment and receiving $312 a week (and happy to get that). Southern WV isn’t a very prosperous place even when the country is booming, during the recession it was terrible. Kmart’s layaway program allowed us to give our daughter a nice Christmas and I’ll forever be grateful that the program was available to us.

    Walmart Layaway

    Walmart has a holiday layaway program that begins in September. There’s no interest and you only need 10% or $10 to put down, whichever is most. Small appliances and large furniture are included.

    Sears Layaway

    Sears has an 8-week layaway program that will help you with home improvement and appliances.

    Mobile Home Parts Store Layaway

    Mobile Home Parts Store offers a layaway program to get all your mobile home supplies for your remodeling project over time. It’s a great way to tackle one project at a time, and no loan is required.

     

    Other Ways to Get Materials and Appliances you Need for Your Home

    ‘6 Months Same as Cash’ Credit Cards 

    I’m hesitant to even mention these but you have to do what you have to do sometimes. If you have no savings and your refrigerator or stove stops working what are you supposed to do?  You have to feed the family!

    While I’m not a big fan of credit cards, some can be handy to have. Lowe’s, Home Depot, Menard’s, and Tru Value all have no-interest programs if you use their credit cards. You can get the materials you need to repair your home immediately and if you pay the loan off within the allowed timeframe you won’t have to pay interest. Usually, it’s a 6 month same as cash program which is a smart option if you pay it off quickly. These in-store cards have helped a lot of people get their homes repaired and improved so it’s only fair to include.

    Volunteer Programs for Mobile Home Owners in Need

    Volunteer Programs for Mobile Home Owners in Need

    School Volunteer Programs 

    My daughter’s school makes every student do volunteer work in the community every year. Freshmen are required to do 5 hours each year, sophomores do 10, and junior and seniors need 30. If you are elderly or disabled you may be able to get some help through these programs.

    If your town has a trade school that has a construction program (or plumbing, electrical, etc), you should call and ask for help. You’d need to furnish the materials and pull the permits yourself but the opportunity for free labor is there.

    Local Government Programs 

    A lot of small towns and counties across the nation get federal grants for neighborhood revitalization and energy-saving programs. You can call your local courthouse or city hall to see if they can help.

    Church Ministry Volunteer Programs 

    During the summers in southern WV, we are visited by tons of out-of-state church groups that come in and do volunteer work for elderly and disabled homeowners. Of course, southern WV is the poorest area in the nation (we tie with MS and LA year after year) so that may be why they chose the area every year.

    Still, calling your local churches can’t hurt (and actually attending church services before you ask for their assistance would always be a good idea).

    Habitat for Humanity

    Habitat for Humanity does a lot more than just build houses. They have neighborhood revitalization programs and financial education services. You can learn more about their programs by clicking the link.

     

    Conclusion

    As you can see, there are options for low-income home loans and several programs for mobile home owners in need. Whether it be a federally backed loan, a state grant, or through one of the private lenders we mentioned, you have a good chance of getting your home repaired.

    Have a tip to help low-income, elderly, or disabled readers get their home repaired? Comment below and share your experience with our readers.

    Thanks for reading Mobile Home Living®.

  • Learn More About Buying a Mobile Home in Kentucky

    Learn More About Buying a Mobile Home in Kentucky

    Our series continues this week with the resources you need when you are buying a mobile home in Kentucky. In case you missed it, last week the series provided valuable information about buying a mobile home in Colorado. Things like where to find a reputable dealer, who to turn to if there is an issue, and whether you will need to title your mobile home can all be found in our weekly series.

    Mobile Home Statistics in Kentucky

    According to Statemaster statistics, mobile homes make up almost 14% of housing in the state. Other facts we learned about Mobile Homes Living in Kentucky from Mobile Home Village include:

    • The average price of a pre-owned home: $68116
    • Average model year of a pre-owned home: 2007
    • The average pre-owned home size in square feet: 1473
    • Average number of sites in a manufactured home community: 97
    • An average year a community was developed: 1977
    • Number of age-restricted communities: 10
    • Number of all-age communities: 278

    Buying a Mobile Home in Kentucky Resources

    Kentucky Manufactured Housing Institute

    There are many things to consider when you are buying a mobile home. Where to purchase, where to finance it, and where to place it after buying are just a few things to think about. That’s why state manufactured housing associations are such an excellent resource. The Kentucky Manufactured Housing Institute includes listings on their site for:

    • Dealers and Manufacturers
    • Communities
    • Financing and Insurance
    • Transporters/Installers

    To be included on the site, the business must be certified or licensed and in good standing within the state. This is valuable information when you are making your mobile home purchase.

    Does My Mobile Home Need a Title?

    Like most states, Kentucky requires a mobile home that is not attached to the owner’s property to be titled. Titles are processed through the Kentucky DMV and can be filed in your local county clerks office.

    If the home is permanently placed on real estate, it then converts into real property, and a deed is attached. The following are required to convert the home:

    • The Affidavit of Conversion to Real Estate must be filled out by the owner, signed and notarized
    • The title must be in the owner’s name that is processing the affidavit of conversion
    • There cannot be any outstanding property tax on the mobile home
    • All liens must be satisfied before converting a mobile home. Termination statement must be completed by the financial institution and signed, then submitted to the clerk.

    Be aware, when purchasing a new mobile home from a retailer the title is usually handled at that time. Be sure to ask during the closing to be sure.

    Addressing any Issues With Your Mobile Home

    There are times after your new mobile home has been installed that things aren’t quite right. Whether it is a defect from the manufacturer or something went wrong during installation, you need to know what to do to get your issues resolved. Your first call should be to the dealer that you purchased the home from, each new home comes with a one year warranty just for these kinds of problems.

    If you aren’t able to successfully get your issues resolved you may have to reach out to the HUD Manufactured Home Dispute Resolution Program in your state. Kentucky is one of 25 states that administers its own program, and you will need to file a complaint form with the Department of Housing, Building, and Construction
    Manufactured Housing Division, to begin the resolution process. You can also contact them directly with any questions.

    Department of Housing, Buildings & Construction
    Division of Building Code Enforcement
    Manufactured Housing Section
    101 Sea Hero Road, Suite 100
    Frankfort, Kentucky 40601-5412
    Phone 502-573-1795 Fax 502-573-1059

    The Mobile Homes That Makeup Kentucky

    Every week in our series we like to showcase a few of the homes that are available. This week there were almost 600 mobile homes for sale on Zillow, each offering different setups and designs.

    buying a mobile home in kentucky-single wide
    This Is A Well-Maintained Exterior.

    buying a mobile home in kentucky-garage
    Re-Siding This Home Makes It Look Like The Garage Was Always There.

    Related: Visit our Homeowner’s Guide to Mobile Home Siding.

    buying a mobile home in kentucky-double wide
    Plenty Of Shade With This Property.

    buying a mobile home in kentucky-dw
    Plenty Of Land Accompanies This Mobile Home.

    There are many excellent resources available if you are considering buying a mobile home in Kentucky. There are also plenty of mobile homes to choose from for sale in the state. Thanks to more financing options, buying a mobile home is becoming easier all the time!

    Next week our series continues with resources when you are buying a mobile home in Washington. Stay tuned.

    Thanks for reading Mobile Home Living®.

  • A Quick Guide to Buying a Mobile Home in Alabama

    A Quick Guide to Buying a Mobile Home in Alabama

    Knowing everything you can before making any big purchase is important. That’s why it’s so important to do your homework before buying a mobile home. Knowing how to find reputable dealers, the process of titling your home and where to turn if there is a problem is just some of the questions that are answered each week in our series. Last week, Buying a Mobile Home in Oregon was our focus and this week the spotlight is on Buying a Mobile Home in Alabama.

    The Facts About Mobile Home Living in Alabama

    Almost 8 Million people call Alabama home. And of those 8 million people many live in a mobile home. Mobile Home Village shares some interesting statistics about mobile homes and communities in the state:

    • The average price of a pre-owned home: $60543
    • Average model year of a pre-owned home: 2010
    • The average pre-owned home size in square feet: 1597
    • Average sites in a manufactured home community: 66
    • The average year a community was developed: 1982
    • Number of age-restricted communities: 25
    • Number of all-age communities: 567

    buying a mobile home in alabama

    Buying a Mobile Home in Alabama

    Where to Begin

    The first step to buying a mobile home is research. Knowing which manufactured home builder offers the options and prices you are looking for, which dealers represent those manufacturers and where your home is going to be placed are all first steps to making a successful purchase. Luckily, Alabama, like most states, offers that information for their consumers. The Alabama Manufactured Housing Association can provide resources about retailers and communities as well as a buyers guide to help you make an informed decision.

    Alabama Manufactured Housing Association
    Post Office Box 241607
    Montgomery, AL 36124-1607
    Phone: 334-244-7828

    Registering Your Mobile Home

    When buying a mobile home in Alabama the home must be registered within 30 days of purchase if it is going to be set up on a lot that you don’t own. A decal is assigned to the home and it must be displayed from the right corner on the side facing the street so that it is clearly visible. When buying a new mobile home, it’s always wise to ask your dealer to be sure that they will handle the initial registration for you during setup.

    If you purchase the home from another owner, you will need to handle the registration yourself. The exception is if the home is 20 years or older than it doesn’t need to be registered. If you are placing the home on land that you own, you will need to register it as real estate and the title will need to be canceled. You can find information regarding these processes at the Alabama Department of Revenue site or by visiting your local DMV.

    Where to Turn if There is an Issue

    Each new mobile home comes with a 1-year standard warranty, so if there is an issue with the home, whether it be from the factory or from the setup of the home, your first resource is to contact the dealer. Unfortunately, there are times when you aren’t able to get those issues resolved and you need more help. Alabama administers its own Manufactured Housing Dispute Resolution Program and is your next stop to getting those problems handled.

    The Alabama Manufactured Housing Commission handles any complaints along with the licensing and certifications of all manufacturers, dealers, and installers in the state. You can find a copy of the complaint form along with other resources on the Manufactured Housing Commission page.

    Alabama Manufactured Housing Commission
    350 South Decatur Street
    Montgomery, AL 36104
    PH: (334) 242-4036 ext. 22
    FAX: (334) 240-3178

    A Look at Some Mobile Homes That Make Up Alabama

    With almost 1000 mobile homes available on Zillow, it wouldn’t be too hard to find your next mobile home in the state. But, it was tough to narrow down just a few cool homes to show you as examples! These mobile homes each offer features we love, such as additions, screened in porches and gorgeous landscaping.

    buying a mobile home in alabama-lake view double wide
    Nice Landscaping And Plenty Of Shade Around This Home.

    buying a mobile home in alabama-double wide with porch
    What A Nice Look With The Sidewalk And Landscaping.

    buying a mobile home in alabama-double wide with covered porch
    Screened In Porches Are A Good Investment In The South.

    buying a mobile home in alabama-double wide with addition
    An Addition And Porch Compliment The Back Of This Home.

    Luckily, when buying a mobile home in Alabama there are a number of resources to help you make the best possible purchase. Have a question or comment about our series? Comment below, we love to hear from our readers.

    Our series continues next week with the resources you need when buying a mobile home in Colorado.

    Thanks for reading Mobile Home Living®.

  • 27 Manufactured Home Builders You Should Know About

    27 Manufactured Home Builders You Should Know About

    We’ve lost a lot of manufactured home builders over the last forty years. In 1977, there were 577 plants building manufactured homes. By 1992, the number had halved to 286 factories.

    John Grissim, author of the popular Grissim Ratings Guide to Manufactured Homes, states that in 2007 there were only 79 manufactured home builders running 183 production lines. In 2018, that number fell to 61 companies and 130 plants.

    Only 10 builders, from the 61 left, build 80% of all new manufactured homes in the nation. Three of those 10 are most well-known: Clayton, Cavco, and Champion.

    In this article, we’ve gathered a list of 27 of the most popular manufactured home builders. It’s a great place to start searching for your next manufactured home. Just click on the name of the company to visit their site.

    For each listing, you will find some basic information. We’ve listed how long the company has been in business, what states you can find them in, and their retail price range to help kickstart your manufactured home search.

     

    The Grissim Ratings Guide to Manufactured Homes

    If you are in the market for a new manufactured home you should buy the Grissim books for $30 (affiliate link). It’s invaluable to all house shoppers.

     

    Grissim Ratings Guide to Manufactured HOme Builders

    The Grissim Buyer’s Guide to Manufactured Homes and Land, along with The Grissim Ratings Guide to Manufactured Homes has in-depth information on every manufactured home builder in the nation. If you want to learn as much as possible about manufactured homes this is your best tool. You can purchase the books here.

     

    Manufactured Home Builders Across the Nation

    Texas leads the nation in the number of manufactured home plants in the nation. MHI shared an infographic about manufactured home builder’s plants:

    manufactured home builders - 121 plants in the US

    While Texas leads the way in building the homes, the southeast takes the crown for the number of residents living in manufactured homes. Lawnstarter goes a step further and lists the metropolitan areas and cities with the highest ratio of manufactured homes. Lakeland – Winter, FL wins at 21.5%.

     

    The Bureau of Labor Statistics keeps an eye on the manufactured home industry. They summarize that most manufactured home builders are located in smaller rural communities in the south and southwest. Plants are located on major highways and close to suppliers.

    Learn how to find the best manufactured home floor plan here. 

    Understanding Subsidiary Companies

    As stated above, there are only 61 companies building manufactured homes. But a handful of those own most all the others. The manufactured home industry is fairly cutthroat so mergers and acquisitions are frequent. If the buyers keep the name of their new acquisition, the public would never know since mergers aren’t likely going to make headline news.

    You’ll want to be sure that the brands you like most are not actually owned by the brands you like least. It’s fairly easy to find out who the stockholder or controlling corporation is for whatever brands you like with a simple Google search.

    Please note, this is not a complete list by any means. Manufactured Housing.com appears to have the most thorough list of manufactured homes online.

    27 Top Manufactured Home Builders 

    Cappaert Homes

    Cappaert Homes has been in business since 1987. They operate one factory in Mississippi with around 150-200 workers. Their homes are very affordable but they have models in the mid to high-end tiers.

    Cappaert manufactures both single and double wide homes with a price range of $19,900-$54,000. There are over 150 dealers that sell this brand in FL, MS, LA, KY, OK, TX, AR, MO (but mostly MS, LA, TX, AR

    Cavco Industries

    Cavco Industries was established in 1979 and have three manufacturing plants. Homes are sold in AZ, NM, CA, NV, UT, CO. They provide over 30% of the manufactured homes in AZ and are in almost every retirement community in that state. Their retail price, including transportation and set-up, can range from $55,000-$150,000 depending on options. There are over 100 dealers that represent this brand.

    Champion Enterprises

    Champion Enterprises was founded in 1953 and is one of the largest manufactured home builders. They have 33 plants in 18 states and are a HUD home producer and manufactured homes for all areas across the U.S. The following fall under the Champion Enterprises umbrella:

    With so many divisions its hard to have a price range, but their homes do range from low-end starter homes to completely upgraded high-end homes.

    Clayton Homes

    Clayton Homes has been manufacturing homes since 1966. They offer over 1,500 dealers all across the United States. Not only is Clayton provide over 25% of homes manufactured in the U.S. they also have two separate mortgage options under their brand.  They offer a wide range of high-end from the following brands that are subsidiaries of Clayton Homes:

    Commodore Corporation

    Commodore has been around since 1952 and are sold by over 400 dealers in 25 states including, NE, KS, IA, MO, WI, IL, MI, IN, OH, KY, TN, GA, SC, NC, VA, WV, MD, DE, NJ, PA, NY,CT, RI, MA, VT, NH, and ME. Their homes are built mainly to appeal to entry-level buyers or mid-level home buyers. They do not build high-end homes.

    Deer Valley Homes

    This young manufactured home builder was established in 2004. They have a specialized home building formula in place that offers very little customization options but is proud of their high-quality construction. They are sold by upwards of 90 dealers in the following states: AL, AR, FL, GA, KY, LA, MO, MS, NC, OK, SC, TN, TX, and IL. The price range for their homes before taxes start at $59,000 and go upwards of $129,000. The featured image is the Deer Valley Woodland Series / Maison Calme WL-6806B that popped up when I looked at models available in the Beckley, WV area. A girl can dream…

    Destiny Industries

    Destiny Industries began in 1978 and at one time was owned by Oakwood Homes and closed. In 2003 they were repurchased from the original owners along with a state of the art manufacturing plant.  Their homes are sold in FL, GA, AL, SC, and MS and marketed as affordable mid-level homes. The price range is from $20,000 for an entry-level single wide all the way to large upgraded double wide for $150,000.

    manufactured home builders directory - eagle river homes

    Eagle River Homes

    One of the newest manufactured home builders, Eagle River Homes, was founded in 2006. They build a lot of affordable single wides. They can be found at over 30 dealers throughout NY, NJ, DE, MD, WV, VA, CT, MA, VT, NH, and ME. Prices range from $40,000-$150,000 and many customization options.

    Fairmont Homes

    This manufactured home builder was founded in 1971. Their focus is on upscale homes with tons of options for buyers and a wide range of floor plans. They build their homes from one manufacturing plant (known as the largest of its kind in the industry). Homes are sold by over 200 dealers in IN, KS, NE, SD, ND, MN, WI, MI, IL, IA, KY, WV, OH, PA, and NY. Single wides start at $18,000 and multi-sections may be over $100,000 depending on options. Friendship Homes is a subsidiary and was acquired by Fairmont Homes and produces homes sold in IN, KS, NE, SD, ND, MN, WY, and MT.

    Fleetwood Enterprises

    Fleetwood has been in the manufactured home building business since 1950. They have 21 manufacturing plants in 14 states, and their homes are sold in 46 states by over 1300 dealers.  They concentrate on entry to low-level homes that range from $20,000 to $60,000 but have homes that price upward of $120,000.

    manufactured home builders directory - Franklin homes

    Franklin Homes

    Franklin Homes started out in 1968. They are all manufactured from one plant and sold by over 75 dealers in states that include: AL, AR, FL, GA, IL, IN, KS, KY, LA, MO, NC, OH, OK, SC, TN, and TX.  Prices range from $42,000 for single wides to $179,000 for upgraded multi-section homes.

    Hallmark Southwest Corp.

    The Hallmark Southwest Corporation began in 1977. Their primary buyers are potential homeowners that are looking for high-end options. They have done very little advertising and rely mainly on word of mouth referrals to grow their business. They have around 20 dealers who sell their homes and are sold in CA, AZ, and NV mainly to parks which are rotating out older homes and adding newer models. Retail ranges from $82,000-$98,000 and up before tax.

    Homark Company

    This company got its start in 1991. The company is completely employee-owned, and they work to build homes that are more heavy duty for extreme winters. Over 25 dealers are representing the company in MN, ND, SD, IA, WI, and MI. The price range for their homes range from $50,000 for a single wide to $95,000 for multi-section homes.

    Jacobsen Homes

    Jacobsen Homes was founded in 1951 and is the oldest manufactured home builder in Florida. Their homes are sold exclusively in that state and they work to build homes for Seniors and Retirees with upscale options. Homes range from $75,000 for homes on private property to $70-$180,000 for turnkey packages that are placed in Manufactured Home Communities.

    Kabco Homes

    Fairly young, Kabco Homes was established in 2003. They have grown substantially over the past few years, from only building double wide homes to now offering singles as well. They have over 45 dealers in AL, MS, LA, TN, AR, GA, and KY and cater to low-end to a medium price range of $54,000-$80,000 including transportation and set-up.

    Kit Homebuilders

    Kit Homebuilders was established in 1945 and build mid-range homes that are priced between $44,000 for a bare-bones home to $140,000 for one with all the upgrade options. Their homes are sold by 39 dealers in ID, OR, CA CO, MT, NV, UT, and WA.

    Legacy Housing

    One of the newest manufactured home builders around they are a popular choice with a variety of homes styles available including tiny homes, single wides, and multi-section. Their homes are available in TX, CO, FL, GA, MI, LA, AK, NM, OK, NC, SC, TN, and they offer over 150 retail locations. Their price range is from very economical to mid-level depending on options.

    Liberty Homes

    Liberty Homes was founded all the way back in 1941 and started out by producing housing for defense plant workers. Their market niche is mid to high-end home buyers in all states except HI, AK, NV, AZ, and Southern CA. They have over 450 dealers and even offer one in-house mortgage finance option. Prices range from $40,000 for singles and $135,000 for a triple wide with many upgrade options.

    Manufactured Housing Enterprises

    Founded in 1965, Manufactured Housing Enterprises has 2 plants that employ over 200 people that manufacture single wides, and multi-section homes. Their goal is to provide affordable housing that ranges from $20,000 to $140,000 with all available options. There are over 150 dealers that represent the homes in ME, NH, VT, NY, MA, CT, RI, NJ, PA, MD, DE, OH, WV, VA, KY, NC, SC, MO, MN, MO, KS, NB, IA, WI, IL, MI, and IN.

    Palm Harbor Homes

    One of the most well known manufactured home builders, Palm Harbor Homes, was founded in 1977 and operates over 135 exclusive retail centers in 32 states and also has over 375 retailers that sell their homes. With over 18 plants their price range starts at $50,000 and go to upwards of $135,000. They offer in-house financing options and can be found in the following states: FL, NC, SC, AL, GA, MS, TN, VA, WV, MD, CT, DL, TX, OK, AR, LA, NM, AZ, CA, CO, OR, WA, MT, NV,ID,OH,MI,IN, KY, IL, PA, and MO.

    Top 27 Manufactured Home Builders in the Nation - pinegrove homes

    Pine Grove Homes

    Founded in 1981 Pine Grove Homes began manufacturing homes for two markets that included communities that are turning over older mobile homes and high-end manufactured homes that resemble site-built homes. Prices start at $45,000 and can be upwards of $140,000. They can be found in PA, eastern OH, northern VA, WV, DE, MD, NY, NJ, CT, RI, MA, VT, NH, and ME by over 175 dealers who represent Pine Grove Homes.

    Platinum Homes

    Platinum homes launched in 2006 and sell homes in AL, MS, LA, FL, TN, AR, GA, KY, MO, TX, and OK from over 50 dealers. Single wides range from $30,00-$45,000 and double wides from $55,000-$140,000. Their primary niche is medium to high-end homes.

    ScotBilt Homes

    ScotBilt Homes began in 2006 and mainly work to manufacture homes from low-end to mid-range in GA, FL, SC, NC, AL, MS, and LA. Prices range from $35,000-$65,000 and are offered by over 90 dealers.

    manufactured home builders directory - sunset ridge K117G interior-1

    Skyline Corporation

    Skyline began in 1951, and their manufactured homes are sold in all states except Hawaii and Alaska. They work to build mid to high-end homes, but they offer models from a wide price range. There are over 440 dealers that represent Skyline with costs starting at $20,000 and heading upwards to $110,000. This 2017 Skyline Manufactured Home is a Stunner. 

    Solitaire Homes, Inc.

    Started in 1965, Skyline Homes are offered in NM, OK, and TX. Prices range from $35,000-$110,000. Their primary market is low to mid-range homes with a focus on baby boomers and second-time homebuyers.

    Sunshine Homes, Inc.

    Sunshine Homes began in 1971 as an owner of a well-known pet food company who decided to branch out. Their homes are in the mid-range price and sold by over 100 dealers and offered in AL, MS, GA, FL, IA, KS, OK, TX, MO, KY, AR, LA, NC, SC, and IL. Home prices range from $30,000-$100,000+.

    Valley Quality Homes

    Established in 1989, Valley Quality Homes is limited to WA (to buyers in WA, eastern OR,
    ID, northwestern MT). They concentrate on mid to high-end homes that resemble site built with a price range of $48,000-$125,000.

    Conclusion

    This list of 27 manufactured home builders should get you started on your new manufactured home hunt. Remember to take notes as there will be a lot of information you’ll need to sort through to find the best builder for your needs. In 99% of cases, a manufactured home buyer does now need the most expensive home offered by a builder, nor will they want the cheapest. It’s a smart mix of standards and upgrades that make the best home for most families. Roof pitch, studs, better doors and windows, and higher grade insulation are all smart upgrades for any home.

    You can read about our picks for 10 Smart Upgrades to Make When Buying a New Manufactured Home here.

    Regardless of which manufactured home builder you choose, you will always get a minimum of 1-year warranty. Some builders, like Skyline, offer longer terms.

    Let us know if you have any questions. As always, thanks for reading Mobile Home Living®!

  • Buying a Mobile Home in Oregon

    Buying a Mobile Home in Oregon

    Every week our attention turns to another state across the country and the resources needed to buy a mobile home in that state. Last week it was all about Buying a Mobile Home in Delaware, and this week our focus is on the resources for potential homeowners when Buying a Mobile Home in Oregon.

    The Mobile Home Living Facts About Oregon

    With over 4 Million people residing in Oregon, it’s no surprise that mobile homes have a huge place in the state. Mobile homes offer the same amenities as any stick built home, all while being an affordable option. Mobile Home Village offers these facts about mobile homes in Oregon as well:

    • The average price of a pre-owned home: $90035
    • Average model year of a pre-owned home: 2001
    • The average pre-owned home size in square feet: 1363
    • Average sites in a manufactured home community: 71
    • The average year a community was developed: 1978
    • Number of age-restricted communities: 225
    • Number of all-age communities: 511

    buying a mobile home in oregon

    Buying a Mobile Home In Oregon

    The First Step

    There are so many things to consider when buying a mobile home. Things like, how much home do you need? How much can you afford? What features are you looking for? Where are you going to place the home once you buy it? These are all questions that need answers before you make a final decision. Thankfully, Oregon, like most states, has an in-depth resource to help get you on the right path to home ownership.

    The Oregon Manufactured Housing Association is set up with everything you need to make an informed decision. It includes listings of:

    • Manufacturers
    • Dealers
    • Lenders
    • Transport Options
    • Mobile Home Supplies & Services
    • Real Estate Options available

    With all this great information, it will make buying a mobile home in Oregon so much easier! Be sure to visit their site to learn more or contact them with any questions:

    Oregon Manufactured Housing Association
    2255 State St.
    Salem, OR 97301
    (503) 364-2470
    www.omha.com

    Recording Your Mobile Home With the State

    As it turns out, Oregon is one of the few states that do not require your mobile home to be titled by the DMV. Instead, The Oregon Department of Consumer and Business Services, Building Codes Division, maintains manufactured structure ownership records for mobile homes that are not permanently attached to the homeowner’s property.

    According to the site, an application must be completed that includes a county clearance form that shows that there are no issues with the home, such as back taxes. The application also needs to have an up to date tax certification from the county it is in. Keep in mind, there may be other requirements when filing the form with the state. You can take a look at the Manufactured Home Ownership Document Transaction Guide to get all the ins and outs of registering your home. Typically, dealers will handle the initial paperwork of registering your new mobile home, but if you are buying a used mobile home privately, you will need to make sure that the taxes are current before finalizing the purchase and recording the new ownership.

    If you are buying a mobile home in Oregon and planning to place it on land that you own, the county assessor will consider the home and land as real property. You will need to check with your county about any zoning laws and to record your new homeownership.

    What If There is a Problem

    Unfortunately, there are times when everything doesn’t go as planned with your new mobile home. When that happens, don’t hesitate to reach out to the dealer, manufacturer or installer of your home. You have made a huge investment when buying your mobile home and if there are issues they need to be resolved. If, after reaching out, you don’t get the issues fixed, it may be time to file a complaint with the state building code division. Don’t forget, your new home typically comes with a one year warranty, so be sure to express any concerns during that time.

    Be sure to include the following on the complaint form:

    1. A detailed description of the install and setup and who performed it.
    2. All documents regarding your new home.
    3. Anyone who was involved with the install process and anyone who was around and witnessed it.

    Make sure to be as thorough as you can, you may have to provide additional information as the investigation progresses and the complaint is reviewed. Once you have completed the form you can submit it the following ways:

    Email: vog.nogeroobfsctd-612c44@tnialpmoc.dcb
    Fax: 503-378-2322
    Mail: Building Codes Division
    Attn: Enforcement
    P.O. Box 14470
    Salem, OR 97309-0404

    Mobile Home Community Resources

    The state of Oregon has an entire division devoted completely to helping mobile home park owners and residents maintain a healthy and mutually beneficial relationship. The Manufactured Communities Resource Center can answer questions about the laws regarding landlords and tenants, park rules and regulations, park closures, registering a park and how to help resolve any disputes. The goal is to help keep parks running smoothly and giving residents a nice, safe community to live in. They included several ways to contact them:

    Call/email/fax:
    Hotline: 1-800-453-5511
    (Toll-Free in Oregon)
    Phone: 503-986-2145
    FAX: 503-986-2006
    E-mail us

    Mailing Address:
    Oregon Housing and
    Community Services
    ATTN: MCRC Section
    725 Summer St. NE, Suite B
    Salem, OR 97301-1266

    The Mobile Homes That Can Found in Oregon

    Oregon is well known for their scenic views. So, it was no surprise to see more than 1300 mobile homes for sale in Oregon on Zillow that offered up some of those gorgeous views. We also came across several tiny homes, including one of our favorites, the Park Model Home. Take a look at just a few of the homes we found:

    buying a mobile home in oregon-vintage single wide
    This Vintage Mobile Home Is A Beauty.

    buying a mobile home in oregon-home with carport
    Creative Way To Add A Carport To Your Home.

    buying a mobile home in oregon-park model home with addition
    Nice Addition To This Park Model Home.

    Related: These Park Model Homes with Amazing Views are Dream Homes.

    buying a mobile home in oregon-home with addition
    Love This Set-Up Of This Home.

    It’s nice to see states becoming involved in making mobile homes an attractive option for so many families. For example, Oregon’s Manufactured Community Resource Center is a great way to ensure mobile home communities are places that families want to live in.

    Have a question or comment about buying a mobile home in Oregon? Comment below, we want your feedback! Be on the lookout for next weeks installment when buying a mobile home in Alabama is up next.

    Thanks for reading Mobile Home Living.

  • Buying a Mobile Home in Missouri

    Buying a Mobile Home in Missouri

    It’s been an interesting few weeks, taking a look at what buying a mobile home looks like in the 50 states. Last week, our concentration was on Buying a Mobile Home in Tennessee, and this week its all about Buying a Mobile Home in Missouri.

    Missouri Mobile Home Statistics

    According to the US Census, over 6 Million people are living in Missouri. Mobile Home Village also shares that there are over 350 all age mobile home communities in the state. Some other facts about Missouri include:

    • The average price of a pre-owned home:    $46803
    • The average model year of a pre-owned home:   2004
    • Average pre-owned home size in square feet:  1377
    • Average sites in a manufactured home community: 99
    • The average year a community was developed:  1975
    • Number of age-restricted communities:    21

    buying a mobile home in missouri

     

    Buying a Mobile Home in Missouri

    Where to Start

    The first step in the mobile home buying process is choosing a manufacturer and dealer for your home. The Missouri Manufactured Housing Association offers a full listing of manufacturers, dealers, installers, and suppliers who are in good standing in the state. They are an invaluable resource for potential and current mobile home owners:

    Missouri MHA
    PO Box 1365
    Jefferson City, MO 65102
    (573) 636-8660
    www.mmha.net

    Titling and Installing Your Mobile Home

    Mobile homes in the state are titled through the Missouri Department of Revenue. Missouri also has a process to convert a mobile home into real property as well as to remove a mobile home from real property and a new title issued. Below are the details for each:

    In order to be considered real property, a manufactured home must be permanently affixed to real estate and an Affidavit of Affixation (Form 5312) must be recorded with the Recorder of Deeds Office in the county where the real estate is located.

    When a manufactured home which has been previously recorded as affixed in the Department’s records is severed from real property, the owner may complete an Affidavit of Severance (Form 5313) in order to obtain a certificate of title for the manufactured home.

    The state of Missouri requires that all installers of mobile homes attend a training class and be licensed and certified to install mobile homes. Also, they must also have proof of General Liability Insurance of $300,000. The only exceptions to the law are if the owner wants to install the mobile home on his or her property themselves (which we wouldn’t recommend unless you have experience in the process). Installers are also required to complete continuing education every three years to remain licensed.

    An installation decal is also a requirement to be placed on the exterior of the home next to the data plate. Information on the decal must include the license number for any installer involved in the setup of the mobile home. These installers must file a monthly report with the state that lists all homes installed. This is an excellent way to keep anyone involved in the setup of your home accountable should there be any issues.

    buying a mobile home in missouri

    Mobile Home Dispute Resolution Program in Missouri

    The state of Missouri has their own state program set up to handle any consumer complaints or issues regarding defects, deficiencies or safety hazards that haven’t been addressed by the manufacturer, dealer, or installer of your mobile home. Keep in mind there is a two-year statute of limitations on the setup of a new mobile home.

    To file your claim:

    The homeowner must complete an Inspection Request / Consumer Complaint Form, which can be obtained by:
    • Downloading and printing this form: Inspection Request / Consumer Complaint Form from our web page, or
    • Calling the Manufactured Housing and Modular Unit Program at 1-800-819-3180.
    • Please submit the completed form along with a copy of your Bill of Sale or Purchase Agreement to:

    Missouri Public Service Commision
    Manufactured Housing and Modular Units Programs
    P.O. Box 360
    Jefferson City, MO 65102-3254
    PH: (800) 819-3180
    FAX: (573) 522-2509
    vog.om.cspobfsctd-987dbd@esuohnaM

    buying a mobile home in missouri-form
    The Complaint Form Requires Specific Information.

    Mobile Home Living in Missouri

    From our search for mobile homes in the state of Missouri, we found almost 500 listed on Zillow. The most notable feature of many of the homes? The addition of a storm shelter built on the property. Good to know in a state that sees some severe tornado activity!

    buying a mobile home in missouri-single wide with addition
    Love The Look Of This Mobile Home.

    buying a mobile home in missouri-front and back of doubl wide
    The Owners Added Their Own Style To The Exterior Of This Home.

    https://mobilehomeliving.org/building-mobile-home-additions-addition
    The Addition To This Single Wide Is Enormous!

    Related: Information for building mobile home additions.

    There are so many new things to learn about Mobile Home Living across the country. Not to mention, it is fantastic to see so many cool mobile homes that people enjoy living in. Next week we are moving forward and taking a look at Buying a Mobile Home in Delaware. Remember, if you have a question regarding buying or living in a mobile home in your state, comment below or send us an email. We would love to try and find the answer for you!

    Thanks for reading Mobile Home Living.