Using land as collateral mean the lender can put a lien on the property in exchange for providing a home loan. This can be used as land in lieu- using your land as your down payment. The land would need to be appraised to see how ,such it is worth. Using land as collateral also means we can add land improvements into your loan so you don’t have to come out of pocket on them!

Land improvements are things such as septic tanks, wells, power poles, land clearing, etc.

The answer is yes! Whether your home will be placed on private property or leased land, we have financing options for you?

You don’t have to own land to buy a home! With the authorization from the land owner, you can place your home on someone else’s property with their permission.

Typically we can not do land improvements unless you are using your land.

Down payments depends on your application. It varies based on your credit history and income. 5-10% is a common percentage that we see.

Sales tax on a mobile home is 3%. Fun fact, sales tax on a mobile home has always been 6% until July, 1, 2022, it was then reduced to 3%.

There are 3 different wind zones. Wind zone 1 cannot come to Florida. They are designed to be zoned for Georgia and northern states. Wind zone 2s are able to go to any wind zone 1 section and covers most of Florida except some of the coastal counties. Wind Zone 3 is the strongest wind zone and can go anywhere in the U.S. It is generally zoned and built for the coastal areas.

Monthly payments also vary on credit history and income.

Absolutely! We have an array of interior and exterior color options in our office you can choose from.

Yes! Each home comes standard with a range-fridge-dishwashers.Some models also come with built in microwaves.

Yes we do as long as you have a title to it. Any age or condition!

We do sell used homes from time to time as they come in.

If you have a particular lot in mind that you are wanting to purchase, we can combine the land and the home of your choosing in the financing together- we are licensed real estate brokers so we can help locate the land in the county of your choosing through our MLS system. (must get pre-qualified for us to help look for land)

A dirt pad is needed as part of the mobile home’s foundation. The pad is usually construction of clay/sand mix. The pad is there to prevent water from collecting underneath the home. A moister barrier (black plastic) is then put on top of the pas to prevent any moister from coming into the home.

No, septic tanks cannot be shared with another household. Each home must have their own septic systems.

Yes, wells can be shared with another household.

Usually anywhere from $5000-$7000. Depends on how many bedrooms are in the home.

If the soil is mucky and not suitable for an underground septic system, a mounded septic tank is needed to bring the septic tank out of the ground and good soil is brought in to cover the tank up. A mounded septic tank system costs much more than a standard tank. Ranges from $8000-$12,000.

We would need to complete a soil test which identifies what type of soil is in the ground where the system would be going. A soil test including the septic permit runs about $800.00.

No, septic tanks would be best to go in after the home has been set up to avoid potentially running over the tank. However, if we are replacing a home, we obviously don’t have an option and would just have to be extra careful when setting a home up.

Wells range from $8500-$12,000 (or more) depending on how many feet you have to drill to get to the water source.

Insurance is very affordable and easy to get! Very common misconception that people that people think that insurance is very expensive and hard to get on a mobile home. Depending on home, annual insurance ranges from $600-$2000 a year.

No, our on-site staff run all of your building permits so you don’t have to! With a signed authorization form, we handle the hassle of obtaining the permits.