How To Purchase

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🛒 Step-by-Step Process of Buying a Mobile Home Online

🔍 1. Search and Browse Listings

  • Filter by:
    • Type: Single-wide, double-wide, or tiny house
    • Size, bedrooms, price range
    • New vs. used
    • Delivery availability

📖 2. Read Listing Details Carefully

Check:

  • Floor plan and interior photos
  • Year built and condition (for used homes)
  • Features and upgrades
  • Included items (appliances, furniture, etc.)
  • Delivery options or additional fees
  • Location of the home (is it already in a park? or in a dealership?)

📞 3. Contact the Seller or Dealer

Use the contact form, phone number, or chat tool on the website to:

  • Ask questions
  • Request a virtual tour or live video walkthrough
  • Confirm pricing and delivery cost
  • Check warranty (especially for new homes)
  • Get a quote for total cost including:
    • Home price
    • Transportation
    • Setup or installation fees
    • Sales tax, title/registration, and permits

🧾 4. Apply for Financing (If Needed)

  • Many websites and dealers offer financing options directly.
  • Common financing sources:
    • Dealer/lender partnerships
    • Mobile home loan companies (e.g., 21st Mortgage, Triad Financial)
    • Personal loans or credit unions
    • FHA Title I loans (for eligible homes)

Documents typically needed:

  • ID and proof of income
  • Credit history
  • Down payment (often 5%–20% of total cost)

📝 5. Review and Sign Purchase Agreement

The dealer or seller will provide:

  • Purchase contract
  • Deposit requirements (usually a few hundred to a few thousand dollars)
  • Estimated delivery schedule

Make sure you read the fine print:

  • What’s refundable?
  • Delivery time frame?
  • What’s included in “set up”?

🚛 6. Schedule Site Preparation

If you’re placing the home on private land:

  • Hire contractors to:
    • Level the ground
    • Pour a concrete pad or lay gravel
    • Install utility hookups (water, electric, sewer)
  • Obtain any local permits or zoning approvals
  • If it’s going into a mobile home park, the park management will help coordinate setup.

📦 7. Delivery and Installation

  • The company will arrange transportation.
  • For new homes, delivery and setup are often included or offered for a fixed price.
  • Steps include:
    • Towing to the site
    • Blocking, leveling, anchoring
    • Reconnecting utilities
    • Joining sections (for double/triple-wide homes)

✅ 8. Final Walkthrough & Inspection

  • Inspect the home upon delivery:
    • Look for damage during transit
    • Test appliances, plumbing, and electrical
    • Make sure all promised features are present

If it’s new:

  • Conduct a warranty walkthrough with the dealer or manufacturer rep.

📃 9. Register and Insure the Home

  • Mobile homes must be titled and registered with your state’s housing or motor vehicle department.
  • Get mobile home insurance to cover:
    • Fire, weather damage, theft, and liability
  • If it’s going into a mobile home park, the management may require proof of insurance.

⚠️ TIPS FOR BUYING ONLINE

  • Always get everything in writing: Agreements, warranties, delivery terms, etc.
  • Compare prices: Look at multiple sources before deciding.
  • Ask about hidden costs: Delivery, setup, taxes, permits, lot rent (if going into a park), and long-term maintenance.
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