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Manufactured and Mobile Homes

~800 answered questions
Parent Category: Residence Types
Questions as delivery and set up of homes, service problems, manufactures, financing, Dealer or Manufacture responsibility, average mark up, Chattel vs. land and home loans, lenders, down payments, terms, rates
Laws vary from state to state. However, if you haven't made your mortgage payments for several months, the bank is likely to repossess your home. Generally the time period is up to the lender, but once the paperwork goes through--you will receive notices if your mailing address is up to date-- you s…
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Basically. YES. You decide you cant pay, you tell the lender you are moving, you move out, lender sells home(not as quik as a car), lender wants balance due on the loan.
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If you have the money you can own as many homes as you like.Ans 2 - Of course you can - that's entirely your right. But make sure you can manage both payments.
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CONTACT the lender for available options in this matter.NO! Try to get a quit clain deed for her interests.
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NO, they can attach a lien to be paid FIRST if/when the home is sold.
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The law related to manufactured (mobile) home repossession varies greatly from state to state, and is typically pretty complicated. There are two types of loans that can finance manufactured homes. If the loan if financing a home on land that is owned by the homeowner the home is generally consider…
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no, probably not. The addition will have to be to code (which depends on your location) may or may not require a foundation. If there is any possibility of movement on the exisiting structure (there will be) will cause cracking drywall, stuck doors and windows, possibly even structural damage. &nbs…
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The bank or current lien holder will take possession of the mobile home after the required steps of repossession takes place. The bank or current lien holder of the mobile home is responsible for paying the lot rent unless the mobile home is sold to a secondary party such as an investor. At this poi…
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Answer All states have a set of exemptions that can be used by the debtor to protect specific types and amounts of real and personal property in a bankruptcy or lawsuit action. Creditors rarely use a lawsuit judgment to seize personal property such as household goods exempt or not, the process i…
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Answer Contact the local office of the USDA Department of Soil Conservation Service. They will tell you if you are in a flood plane or on an earth quake fault. They will tell you about your soil and what the water table and water quality is like. In some places the water is drinkable, but it is s…
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You would first have to plan a concrete pad for the mobile to sit on. Make sure this is near the entrance or driveway. These are not easy units to transport over soft ground. While planning the pad, remember to include an incoming water line from city if possible, or from your well. If there is to b…
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There are different ways of doing that. You have to contact the seller and find out how.
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Under US law as I understand it, any repossession is detrimental to your credit record. Both a voluntary repossession or a standard repossession have the same effect on your credit rating. Both will appear as repossessions, and either will result in a negative mark on your credit history. Any repos…
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Go to a local notary with the original document, that's all it takes.
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Yes. It is an asset. An asset includes personnel property you own.
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Well I was hoping to find the answer myself. Looks like the only real method would be to watch it burn down. "Just kidding!"It can be done, don't burn it down. At least the county where we live says it can.Ans 2 -In British Columbia, Canada, you can not do this .<><>In my state a Manufac…
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That will depend entirely on the zoning ordinances in your sub-division and community. The permit office of the local governing body should be able to tell you with a phone call what requirements have to be met to do so. For example, there may be lenient provisions for temporary installations, or y…
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Is he on the deed as well? Those are two separate entities. If he is just a co-signer on the loan, you can sell at any time. If he is on the deed, you have to do an "Affidavit of heirship" process. If you are the only surviving heir this is simple. You just have to find 2-3 people that knew your gra…
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Answer Use any quality interior wall paint such as Benjamin Moore's Regal Wall Satin. But not until you have primed those walls! Use Kilz oil primer for walls that have shiny wallpaper on them. If the wallpaper has a flat look, then it would be okay to go to Wal Mart for some Kilz II water base p…
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I replaced one many years ago, I ended up sawing the old tub into pieces to get it out of the house.Ans 2 - Yes, that's almost always the way. I had to cut up a few tubs and shower enclosures to remove them, due to narrow doorways.
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They can, and probably will, take your house, unless you do something about it. You (and your cosigner) are responsible for paying that loan in full, so they will most likely come after you for everything that is owed on the loan. This will also ruin your credit if you don't fix the problem immediat…
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Look at realty listings in your local realty papers.
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I have looked and never found any such plans. I went ahead on my own using commonsense and successfully added 220 square feet to mine.
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- I replaced the entire plumbing system in my own 14 x 68 mobile before living in it. It had been copper and fortunately the water heater, toilet, bath and kitchen were all in line down one side. Only a 32 ft run from water heater to kitchen. I removed ALL the flooring in bathroom, got rid of old tu…
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You may still end up owing a lot of money on it ,and you won't have it ! State laws vary on this - better to negotiate a settlement of some kind.
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There are procedures to place it permanently on a slab, removing the wheels. Then, you can follow the process to get it "re-titled" as a permanent, not mobile, home. Since there are specific requirements, you might want to check into the legal part first, so that you do it right the first time. Poss…
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That would depend on the tax laws wherever you live. -You haven't told us that !
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You have to look at the laws of the country you are in, or in US the various state laws on repo. Most states do publish these, but many are different. ( if you had said WHERE you are it would have helped.)
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Yes, you can paint over vinyl wallpaper. An excellent primer should be used first, because some latex paints will not stick to vinyl.
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In most places it is NOT considered a motor vehicle. Certainly not in BC, Canada.
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Yes, JCF Lending Group offers cash out and debt consolidation loans for mobile and manufactured homes in parks. www.chattelmortgage.net
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I don't see why not, but you would need advice from a lawyer.
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You get it checked by a service or a notary. This is a common process of buying one in Canada.
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To find out the NADA Book Value, you would need more information. It is unrealistic to think you can just find a 'book' value. The value of an individual mobile that has been lived in for years by people who do little maintenance and only essential repair, is NOT a real value. You need to inspect …
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In Washington state, if a home owner dies and leaves his/her mobile home to another and the heir is denied occupancy of the mobile home park, the mobile home will have to be moved. Other options would be to sell the mobile home to persons approved by the park, or to rent to approved persons.
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Some banks will allow these, but appear to be stuck on homes built after 1975 when HUD rules came out.
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A mobile home with chassis included weighs between five and seven tons. I would guess that the chassis alone would account for around three fifths of this total so, three to five tons.ANS 2 I have seen some being moved from a defunct park nearby, and asked a driver of one of the moving trucks. Acco…
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If a mobile home is not set up correctly, it will vibrate. Some people choose to underpin the home with brick, or soil to reduce noise and vibration.
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You might be the first in history I would not advise it because you would have to first encase the mobile home in plywood and then you would need to cover the wood with felt roofing paper, and then you would have to tack on a wire mesh and then apply the stucko and by the time you are done you will…
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umm... this isn't even a question to begin with so there is no real answer
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What companies refinance moble homes insv
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One must use caution when removing walls, some walls are load bearing. Other items you will find in walls are electrical, and plumbing.Ans 2 -providing you are sensible and careful this can be done -I've personally done many.
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Home supply stores have long, easily cut pieces of foam insulation. It's darker in color and is tube shaped like the pipes it's used to insulate. The stuff is cut down it's length so that installation simply involves pulling it open and slipping it over the pipe. That's after it's cut to length of …
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Gas mobile home water heaters have a valve to allow the use of natural gas or propane.Ans2 - I have seen and repaired many. Most, whether electric or gas are the same as in an ordinary house.
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The states that have the most mobile home parks are located in the South. Florida is the state that has the highest number of mobile home parks.
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Zillow.com or some towns allow on-line access to theirs assessor's database.
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In most places you would have to start at the County or city office where those homeowners pay their annual land tax.
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There is a wide array of prices depending on the type, size and location. You need to check in a particular location.
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There is no sales tax on real estate purchases.
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That depends on the park and your agreement with them. My park covers street maintenance, water, sewage and garbage. Some parks with higher rents have amenities like a clubhouse and swimming pool. Some other parks cover security agencies, patrols and lockable gates.
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Lot rent maeans you are renting a vacant peice of land, which may or may not have improvements, like water, sewer lines , or electricity.
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double-wides are mostly 28' wide (although 24' and even 20') are out there. They vary in length from 40' to 76'
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Take the spring leaf bolts out at the frame. There will be four bolts per axle two on each side. You will need to set jacks under it to help support the weight. Have concrete blocks ready to support the entire frame. You will need at least 90 concrete blocks in groups of 3 to raise the home 2 feet o…
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If you have a water heater, particularly a gas one, you will need to purge your system if air gets in. This can happen when the water main is shut off, etc. A purge usually involves draining the water with a garden hose and then restarting the heater.The air bubble interferes with the heaters abilit…
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New ones in western Canada range from about $60,000 for a basic 14 x 68, (950 sf). up to 189,000 for a new double wide, 28 x 56. -Then you have to transport it to a park and pay 4-700 for a monthly pad rent.
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Yes, you can. However, before adding anything, you should check with your local permitting agency to be sure your changes are to code. Also, you can re-license the dwelling and change the deed so that it becomes part of the property. Ans 2 -YES, and many are
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If local authority allows it and you have approved elec and water feed in and approved septic.
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Usually fibreglass batts held in by a plastic fabric sheet.
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Look in local papers and realty publications. -Drive around Mobile parks and look for "For Sale" signs. Assess the parks while you are there. There are many parks you won't want to live in, and quite a few where you will find very high pad rental costs. Look at many homes, inspect the ones you like …
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There are realty specialists in almost every area of north America who deal with mobile homes.
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You find a local realty agent who's an expert in mobile home sales. -It will get you more cash and save a lot of hassle.
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It's almost always exactly the same way you would file a lien on a regular house. In Canada you start at the Provincial Land registry Office. In US States find the equivalent office. 
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I believe Modular Homes are built in sections while a mobile home is one piece. Mobile homes probably move more easily. According to the online dictionary: Modular Home = Factory-built housing with onsite assembly and some onsite construction that is built to meet state and local codes and does …
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Mobile home water heaters are EXACTLY the same as those used in houses. I've seen hundreds, both electric and gas. The only ones that are even slightly different are propane heaters (and you could use them in a house if you wished).
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The State of California currently has around 12 million mobile homes. The State of South Carolina has the highest percentage of mobile homes per residence at 20%.
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In short. repossess and pull the home off the property.. However, you have not made it clear who owns the land. If a third party owns the land, most if not all lenders will ask to the land owner if they are interested in leasing the land to a new owner, in which case the lender saves thousands.
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If you are head of the family then you are head of the household anywhere.
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You used the word "Attached", which means the land and the home are now combined by way of deed. The law considers them as one, thus the mortgage lender can foreclose on both the property and the home. Then the lender will then sell both "as one", use the sale proceeds to pay the outstanding loan …
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Many companies in Canada and USA move mobile homes. Look up in your local phone book.
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Not enough information for a sensible answer.
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A mobile home is a large unit pre-built in a factory and taken on wheels to a site. That is the only sense that it is "mobile". - It is possible, but not easy to put them on wheels and move them.
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Best way is find a local realtor who is an expert in mobile homes. There are one or two in every area.
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You knock out the hinge pins and re-fit another door of the same size, exactly the same way you would in a house.
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You can in some US states. You have to look up the state you are in.
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Yes, Riddex can be used in amobile if it has a seotic pit,
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Approximately half of the figure for a similar sized house.
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Because it goes with so many trim colors and it's a good insulating (reflective) color. - ie, on the same sunny day, a brown mobile would be much hotter inside than a white one.
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You need to be specific about what kind of repair.
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That would depend very much on if and how it was anchored to the pad.
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An RV has hookups... a trailer would have standard connections.
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Much the same as a modern Mobile home except possibly fot the older style cladding around it.
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On a Canadian Mobile home the serial # is on a sticker by the front door. This sticker is dark blue with a thin gold ring around it, and is about 4" diameter. On one in the US there should be two. -One is on the HUD tag, A 2x4 inch plate "fixed to the outside in a manner that it can't be removed an…
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That would depend on where it's sited.
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First measure distance all around the frame, buy treated 2x4's to make that distance. -Nail , glue or screw the 2x4 to the ground , parallel to the upper edge of home frame. Now choose your preferred skirting. Aluminium corrogated sheet is best. Here in western Canada it comes in 8, 10 and 12 foot l…
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It would depend on the location (province, state, etc, -and you DON"T say). I would think it's a logical move to come after the home unless someone else in the family makes payments. -In the end it all depends on LOCAL statutes.
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Mobile homes of gypsies are called Vardo.
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Go to State DMV with any documentation you have, in particular, Bill of Purchase.
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I've found scrubbing with a regular broom on an 8 foot painting handle is best. I use warm soapy water and spray it off with a hose. Extreme dirt may take a pressure washer.
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Exactly the same way you do in a regular house.
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If you mean 'costs' to buy. they vary tremendously according to size, age, shape it's in and the ambience of the park. I, being an all around handyman, was able to get a good one that needed lots of hidden repairs - and best of all the owner had been told that and was prepared to sell at about half …
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How much do used mobile homes cost per square footAns 2 - There is no real guide that way. -It depends much more on age, appearance, what needs to be repaired/renewed , the ambience of the park and pad rental fee. - In my geographic area, Pad rental fees (for the same size) range from 325 - 700 per …
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In my area (western Canada) they are almost all 14' wide and mostly 48, 56 and 68 ' long. That gives you 672, 784 or 952 sq, ft. -Some people 'double up' the shorter units giving 1344 and 1568 sq. ft. - I bought a 952 and added a separate room on the side, of 8x25 -so giving me 1152 sq.ft. in total.
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I've seen a few underneath, and there is almost always a 3" cleanout directly under the toilet. Most mobiles are raised enough to crawl underneath,just like a crawlspace under houses.
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Where I live, in British Columbia, they are almost all 14' wide and mostly 48, 56 and 68 ' long. That gives you 672, 784 or 952 sq, ft. -Some people 'double up' the shorter units giving 1344 and 1568 sq. ft. - I bought a 952 and added a separate room on the side, of 8x25 -so giving me 1152 sq.ft. in…
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When being built, one side of each piece is unfinished (ie no full wall.) - After setting up on the pad these 2 units are screwed or airnailed together just as in regular house construction.=, and walls are finished as required.
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It is better known as a camper van (Especially In The UK) Or a Mobile Home or Motor Home, etc.
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Yes in most cases. -In general, electric costs are lower, taxes are lower and home repairs cost less. -This is assuming you have a 'reasonable pad rent fee'. Pad rent fees range from 350 to over 700 in my area, and there really is no justification for the highest fees.
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Most that I've seen are 14 ft wide.
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You could be living near the landfill site ? I'm not sure if I'd even recognise the smell of methane.
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No the path of a tornado is governed by the path of the storm from which it is formed, not structures on the ground. Mobile homes are weaker and therefore more easily destroyed than frame homes. A tornado that hits a trailer park is more likely to cause major damage then it would in a subdivision of…
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