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Double Wide Manufactured Homes

Double wide manufactured homes account for a very large percentage of new homes sold today. Chances are if you are considering buying a home, you have begun to look at a doublewide home as a possibility. There are always the obvious decisions that have to be made when purchasing any home. The cost of the home, the size of home you need, and the specific floor plan are major factors in your final decision. However, there are also some less obvious choices that need to be made when purchasing a double wide manufactured home. Making sure you have covered every base and addressed every concern is crucial before signing the final papers.

Securing necessary financing is something sometimes put off until after the home is chosen. This can be a serious disappointment if you can’t find a lender willing to finance you for the amount of the perfect home you have already chosen. Different lenders have various policies regarding manufactured housing; some have specific directions for where and how a home must be placed to qualify for financing with that lender. Check with a few different lenders to compare their policies before you shop for a home. Another good idea is to have a pre-approval done, to give you a roundabout figure to work with while shopping. This would let you know just how much of a loan you would potentially qualify for and an estimate of what your monthly payment would be to help decide how much home you can purchase.

Another important factor to consider while shopping for a double wide manufactured home would be the warranty that is available with the home. Some of these warranties are through the manufacturer and cover the structure of the home and some or all of the other factory provided features. These may include plumbing, electrical, and appliances. These warranties do not, however, cover problems that may arise in moving and setting up the home on your lot. The dealer should have some kind of coverage available for this, though it may be at a cost to you. Check with the dealer and read all the fine print before making your final decision, it could save you in the long run.

One last thing that needs to be looked at before making your final decision is home owner’s insurance. Most lenders will not finance your home without insurance coverage. Check with various companies in your area to see what kind of coverage is available. There are various levels of insurance you can purchase to protect your home. However, some insurance companies will not cover manufactured housing, so doing your insurance homework before purchasing double wide manufactured homes is vital.

These are not the only points you need to consider before buying a home, however, they are a few of the crucial items that could potentially hold up your purchase. Taking care of the legwork before even beginning to shop for the home itself can save you time and aggravation once you’ve made your selection. Choosing double wide manufactured homes can be a rewarding decision if you make certain all the loose ends are tied up before signing the final papers. 

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Pacifica South Bancorp is not licensed under NMLS and is not authorized to offer Single Family 1-4 Residential Loans at this time.