All Florida Mobile Home Sales Finding You The Right Home At The Right Price
We have homes in Retirement Communities and great Family Communities just waiting for their new owners.. Our EXPERIENCED specialists will not only find the right home for you, but will also assist you in finding the right financing, inspections, home warranties, and insurance.
We are there to make this process seamless and easy for you.Our company will not only find the right home for you, but we will treat you with respect, provide professional services, and our honest and courteous agents are there to assist you through this process.
If you want to sell your mobile home, we are here to assist you in every aspect so that you can move forward with your future goals. Our specialist will not only professionally list your home we will help you stage it, make sure that you have curb appeal and evaluate.
The communities that we list in offer great amenities and activities for everyone!
Using Personal Loans For Mobile Home Financing
You could also get a personal loan to finance your mobile home purchase. Because a personal loan is based on you, not the property, the lender wont need to appraise the property.
You might consider this option if your mobile home is too old or is missing its tags from the U.S. Department of Housing and Urban Development .
To get a personal loan, you likely need decent credit, and rates will be higher than a mortgage. But the lender wont care how you spend the money.
Since a personal loan isnt connected to the property, you could buy a mobile home even if it doesnt conform to traditional mortgage standards for size and age.
For example, borrowers could get financing even if the home is less than 400 square feet and built before 1796.
Maximum personal loan amounts vary by lender. Some reach as high as $100,000. If you cant get financing to buy your home, try a personal loan.
Why Buying One Of Our Retirement Homes For Sale Just Makes Sense
The manufactured homes for sale at StrawBerry Ridge offer safe, comfortable housing, and many of them even come with luxury features such as vaulted ceilings and kitchens with stone countertops and up-to-date appliances. Our retirement homes are designed to be energy efficient and require minimal maintenance. Yet they typically cost far less than site-built homes in similar 55+ communitiesmany of which dont offer anywhere near the number of on-site amenities youll enjoy at StrawBerry Ridge. Our community is gated, and our homes are arranged in an attractive neighborhood setting, with well-maintained streets, ponds, and landscaping. Theres simply no reason to spend your hard-earned retirement savings on a high-priced site-built home that doesnt come with an enviable active lifestyle.
Whats more, when you buy one of our retirement homes for sale and relocate to StrawBerry Ridge, youll be able to visit numerous Central Florida attractions whenever you want by making a short drive in any direction. One of the nations largest casinos is only a few miles to the west. There are beautiful Gulf Coast beaches to the north and south. And the theme parks of Orlando are an hour or so away to the east.
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Rules For Manufactured Home Loan Programs
To buy a manufactured home with a traditional mortgage of any type, the home must be:
- At least 400 square feet
- Placed permanently on the property
- Built to HUDs post-1976 specifications
Also, the entire property must be taxed as real estate and not as personal property such as a vehicle.
Along with those general rules, each loan type also has its own eligibility requirements:
Top Reasons To Consider Our Double
When you purchase a double-wide mobile home for sale from a dealer, youll face a multi-step process of locating an acceptable home site, securing permits, and dealing with the hassles of transporting and setting up your new home in its destination neighborhood. When you choose a home at Cypress Lakes®, youll face none of those headaches. Your beautiful new home will be:
- Move-in ready, situated in a beautifully landscaped community thats already set up with suburban-style roadways, electricity and water services, and driveways for every home
- Outfitted with low-maintenance siding and interior flooring designed to require minimal upkeep
- Equipped with either a garage or carport, as well as a screened-in lanai or sunroom
Moreover, many of the double-wide manufactured homes for sale at Cypress Lakes® come with luxury features such as interior drywall, vaulted ceilings, bay windows, and kitchens with stone countertops.
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Manufactured Home Loans Vs Mobile Home Loans
A manufactured home is a mobile home built after 1976 that has HUD tags to show its compliance with modern codes.
It is possible to get a traditional home mortgage, such as an FHA loan or a VA loan, on a manufactured home.
But keep in mind manufactured houses tend to depreciate, or lose value, as they age. This also makes lenders less likely to approve loans with competitive interest rates for these homes.
However, in areas where more people own mobile homes, its probably easier to find better financing. The darker areas in the map above indicate areas with a higher percentage of manufactured or mobile units.
How Many Mobile Homes Are For Sale In Vista Ca
Listing Courtesy of: CRMLS_CA. Based on information from California Regional Multiple Listing Service, IncThis information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
Listing information is being provided by the BAREIS Inc., MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
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Conventional Loans For Mobile Home Financing
Conventional loans are not insured by a federal agency so borrowers with stronger credit profiles tend to get the most competitive rates.
- Purpose: Primary residence or second home
- Down payment: 5%
- Minimum credit score: 620
- Maximum loan term: Up to 30 years
- Other rules: Home must be at least 12 feet wide to finance a mobile home as an investment property youll need a higher down payment
The Nation’s Largest And Most Active Website For Manufactured Housing
Whether you are looking to sell your home or buy or rent one, you have come to the right place. With our extensive database of home listings, we are here to help connect manufactured home sellers and buyers.
MHVillage is the nations largest and most active website for buying, selling or renting manufactured or mobile homes. Since its inception in 2004, MHVillage has grown to become the number one consumer website for the manufactured housing industry.
We are the only listing website recognized and endorsed by the Manufactured Housing Institute , the national manufactured housing trade association.
But being the largest isn’t our only goal. We want to be the best manufactured home listing site in the nation. We want to provide you with the information you need. If you are a homeowner, we are proud to offer the MHVillager, a blog designed for you. The MHVillager follows the advantages, customs, trends and lifestyle insights associated with living in a manufactured home, on private land or in a community. If you are a professional in the manufactured housing industry, we offer the MHInsider, a blog and print publication specifically designed for the trade.
Information is key at MHVillage. And we are proud to offer the best data and information from around the country.
Manufactured & Mobile Homes by State
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Faqs About Manufactured Home Financing
Is it hard to get a loan for a manufactured home?
Lenders and loan programs have specific rules about financing a manufactured home. If the home meets HUD and local codes and is permanently located on a parcel of land, it could be possible to get financing through a mortgage lender. If the home doesnt meet all the requirements, you may need a personal loan, a chattel loan, or a special FHA Title I loan.
What credit score is needed to finance a mobile home?
Its best to have a credit score of at least 580 before applying for manufactured home financing. Borrowers with credit scores of 620 or higher have more loan options. Personal loans may require higher scores since theyre not secured or insured.
Can you get a 30-year loan on a modular home?
Yes, it is possible to finance a modular home over 30 years if the home meets the lender and loan programs requirements.
Do manufactured homes require closing costs?
Traditional mortgages require closing costs which could range from about 2-5 percent of your loan amount. A personal loan typically charges an upfront origination fee. This fee could range from 1-6 percent of the loan size.
When Is A Mobile Home A House And When Is It A Car
Homeowners may not always care whether their manufactured home qualifies as real estate or falls into the category of a vehicle. But lenders care if youre trying to finance a home.
To be a house and not a car, your manufactured home must pass a few tests, HUD says:
- The site must have permanent water and sewer hookup
- Facilities are approved by the local municipal authority, if available at the site
- An all-weather roadway must serve the site
- The entire property must be taxed as real estate
- The towing hitch or running gear must have been removed
- No part of the finished grade level under the home is below the 100-year flood level
- Structural integrity must have been maintained during transportation and sufficient anchoring
- Support and stability must be evident
These are not all the criteria. Heres a link to the whole set of guidelines. Alternatively, have a licensed appraiser assess and value the property.
If you pay annual taxes to your state Department of Motor Vehicles, you definitely have a vehicle. However, you can convert a manufactured home to real property by following the guidelines listed in the link above.
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Usda Loans For Mobile Home Financing
The U.S. Department of Agriculture has home financing options for borrowers in rural and some suburban areas. Youd need to fall within the USDAs income limits to qualify.
- Purpose: Primary residence in a rural area
- Down payment: 0%
> Related: Low-Income Mortgage Loans: Low Down Payment, Easy To Qualify
Senior Living In 55+ Mobile Home Parks In Santa Cruz County
Santa Cruz County has a wide variety of parks. About half of them are for the 55+ person. These are now considered senior mobile home parks. When I was younger 55 was getting up there.Now with many people taking better care of themselves, senior isn’t a term many would use just yet. Read more about Santa Cruz County 55+ Mobile home parks, below.
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New And Used Mobile Homes Near Las Vegas Nv
There are currently 218 new and used mobile homes listed for your search on MHVillage for sale or rent in the Las Vegas area.
With MHVillage, its easy to stay up to date with the latest mobile home listings in the Las Vegas area. When browsing homes, you can view features, photos, find open houses, community information and more. You can also narrow your search to show specific types of homes using the sort and filter options available. Choose from price, year, beds, baths, home size, and several others. Find your dream home in the Las Vegas area using the tools above.
Cities with Manufactured Homes For Sale Near Me
Search Our Inventory Of New & Preowned Retirement Homes For Sale Near Tampa Fl
Are you perusing the listings of Tampa retirement homes for sale because youd like to relocate to this fast-growing area of Central Florida? Tampa has a reputation for low housing costs. But real estate prices have been climbing, and its becoming harder to find homes for sale that are affordable for those on retirement budgets.
Fortunately, theres StrawBerry Ridge, a lovely 55+ community of affordable manufactured homes thats located in Valrico, a short drive east of Tampa. Our inventory of homes for sale includes new and preowned homes that will provide everything you need for an active retirement lifestyle.
Scroll down if youre ready to look at our current listings, which are subject to change as homes are sold or put on the market. Or read on to learn more about the affordable active lifestyle you can enjoy when you relocate to StrawBerry Ridge.
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Financing Manufactured Housing As Real Estate
If your manufactured house is classified as real property, you may be able to finance it with a mortgage. Typically, a mobile home has to be built after 1976 to qualify for a mortgage, as well explain below.
In this case your loan would work almost exactly the same as financing for traditional stick-built houses.
Most likely, youd get a Fannie Mae, Freddie Mac, or government-backed mortgage. The VA, FHA and USDA all have manufactured home programs, but each loan option has different rules.
You may need slightly higher down payments, a slightly better credit history, and/or to pay higher fees. But these programs can still provide the most affordable financing for manufactured houses.
Mobile Home In A 55 Community
- PEOPLE’S CHOICE REALTY SVC LLC$250,000
- 2bds2ba1,100sqft- Condo for salePrice cut:$15,000
- ALIGN RIGHT REALTY SOUTH SHORE$300,0003bds2ba1,473sqft- Condo for sale Three Dimensional
- 4bds2ba1,842sqft- House for sale Play
- 3bds1ba—sqft- Home for sale4 days on Zillow
- 1bd1ba700sqft- Home for salePrice cut:$5,900
- 2bds2ba946sqft- Home for sale2 days on Zillow
- 2bds2ba1,008sqft- Home for saleOpen: 10/23 1-4pm
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IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Some IDX listings have been excluded from this website.The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed.Listing Information presented by local MLS brokerage: Zillow, Inc – 904-3511
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A Key Ingredient In Our Recipe For An Affordable Active Lifestyle
When you buy one of the attractive double-wide homes for sale in our community, youll likely pay considerably less than you would for a site-built home in a 55+ community with resort-style amenities like those at Cypress Lakes®. These amenities include two 18-hole golf courses, an on-site restaurant, two swimming pools, tennis/pickleball courts, and a spacious clubhouse with multipurpose, crafts, and exercise rooms. Access to our amenities and many organized activities will be yours when you buy one of our homes and pay a low monthly home site lease fee.
Contact us today to learn more about the double-wide mobile homes for sale at Cypress Lakes®. Our Lifestyle Team can also arrange a tour for you whenever youre in the Lakeland area.
Va Loans For Mobile Home Financing
Insured by the Department of Veterans Affairs, VA loans help active duty military members and veterans buy single-family homes.
- Purpose: Primary residence only
- Minimum credit score: Varies by lender typically 580 to 620
- Maximum loan term: Up to 25 years for double-wide up to 20 years for single-wide
- Other rules: Upfront VA funding fee required VA rules also require an affidavit saying mobile home will remain affixed to property
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Why Are Manufactured Home Loans Hard To Get
Mobile homes are, obviously, mobile. So it is possible for a borrower to take a huge residential loan on very favorable terms and then haul the home out of state or even out of the country.
The same is true for cars, and thats one reason car loans usually come with shorter terms and higher interest rates. Its also why there is an entire industry built around recovering runaway autos.
If you got a mortgage on a mobile home, chances are you wouldnt stop making monthly payments and disappear from your mobile home park, taking the home with you. But lenders know it is possible.
So lenders differentiate between manufactured homes as real estate and mobile homes that are truly movable.
New And Used Mobile Homes Near Henderson Nv
There are currently 55 new and used mobile homes listed for your search on MHVillage for sale or rent in the Henderson area.
With MHVillage, its easy to stay up to date with the latest mobile home listings in the Henderson area. When browsing homes, you can view features, photos, find open houses, community information and more. You can also narrow your search to show specific types of homes using the sort and filter options available. Choose from price, year, beds, baths, home size, and several others. Find your dream home in the Henderson area using the tools above.
Cities with Manufactured Homes For Sale Near Me
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Everyday Access To Resort
When you buy one of the retirement homes for sale at StrawBerry Ridge and pay a low monthly home site lease fee, youll enjoy daily use of our remarkable lineup of resort-style amenities. We offer two spacious clubhouses, outfitted with indoor and outdoor community spaces that you wont find at many other 55+ communities. These include:
- An indoor pool and hot tub
- An outdoor pool and hot tub
- A fully equipped woodworking shop
- A crafts and ceramics studio
- A spacious fitness center with adjoining aerobics room
- Courts for tennis, pickleball, and shuffleboard
The wealth of on-site amenities at StrawBerry Ridge provides the perfect setting for club meetings and organized activities that appeal to a wide variety of interests and help newcomers feel right at home quickly.
Moreover, not far from StrawBerry Ridge is a golf course thats open for public play, as well as numerous restaurants, shopping centers, doctors offices, and places of worship. The suburban area around StrawBerry Ridge is also home to an award-winning regional hospital and huge regional shopping mall.