If you're considering buying a Manufactured Home (aka mobile home), take a look at the information we have created below to help you understand the process, learn about the parks and search for your new home. Our website has all the latest homes for sale as found in the REALTOR MLS database. We will even send you daily email listing updates for New, Price changes, Pending and Sold homes.
If you have any questions, contact us, Info@OnDemandRealty.net and we will be glad to help you and act as your agent to protect your interests, as a Buyer or Seller.
After you view the homes, if you Save the Search, you will get daily email updates of listings from the local MLS. See something you like. Call us and we can help you buy it!
The number of lenders that will offer loans for manufactured homes are limited and specialized. Most large banks or credit unions will NOT finance manufactured Homes. You will need to speak with a lender and get "pre-Approved" so we know how much you can afford in a home. You should get this done before looking for a home so you will know what price of home you can afford. Below are links to lenders that fund Manufactured Homes:
First Pacific Financial Lending Services - website link
InPark Lending - website link
Mountainside Financial - website link
MHCal.com - website link
Triad Lending - website link
B) PARK RENT
All Manufactured Homes in Northern California require the home owner to pay a space rent for the land under the home. This rent is for the use of the property. The space rent may or may not cover other services or utilities, so check with the parks that interests you. All parks require that you apply in person. Application approval can include:
There 2 types of parks, Family and Senior (55+). Click the links below to get a list of the type of parks by county, city and park name.
Once you have determined the location(s), you should go see the parks and drive through them so you can see if it is a place you would like to live. Select 2 or 3 parks so that you will have the greatest number of available homes for sale to see. You will need to stop by the park to get a copy of their park application and application procedures in terms of information needed and how to schedule an appointment.
Some parks require a signed purchase agreement before submitting their park rental application, others will take a park application prior to having a signed purchase agreement. Be aware that before you can move into a mobile home park you have to have a signed rental lease with the park management for the land which sits under the home. The parks require qualifications to be met before they will approve you for a park lease.
All parks do require that you make an appointment with the park management and meet with them in person to submit the application and learn about the park rules and procedures.
At the top of this page is a search box. Look in the search box and click the "Advanced Search" link. You will then see a search page that looks like this:
Select the highlighted areas in the search boxes and use the drop down menus to select the: County, City(ies), Price, # Bedrooms, # Baths, and the Type of Park
Click SEARCH and all of the most current homes for sale will be on your screen.
Click the Save Your Search button and you will get daily email updates for all New, Pending, Price Changes and Sold listings based on the search you set.
You are now ready to speak with an On Demand Realty real estate agent that can help you find the Right home, at the Right price, in the Right location. As a buyer, you will want a Buyer' agent who will protect YOUR interest. The Listing (Sellers) agent is interested in protecting the sellers interest to get the most money for the home. On Demand Realty will work with you to discuss the home pricing using comparables of prior sales, make arrangements to see the homes, and provide information to help make your purchase decision comfortable.
Once you have found the Right home, you will want to make an offer and On Demand Realty will guide you. We will work with your Lender and create the strongest offer you can make for the home and then present it for you. We will guide you in negotiating the offer if the Seller decides to counter your counter. Once you offer is accepted, we will guide you through the closing process until you take possession of your new home!
Here is some information on the Offer Process:
What Every Mobile Home Owner Should Know - this is an informative brochure produced by The Senate Select Committee on Manufactured Homes and Communities.
Mobile vs Manufactured vs Modular Homes - this brief overview provides the difference terms describing these housing types.
First, to better understand, these are "mobile" homes, meaning they are not meant to be relocated or used on the highway. Those would be "motor homes" or RV's (recreational vehicles).
Second, The target market for manufactured/mobile homes are for buyers that are
Third, since 1976 these homes are now built to the Housing and Urban Development (HUD) national building standards. If they are fixed to a permanent foundation and permitted by the local building development they are treated as real property for tax purposes. If they are instead placed on "blocks" they may be taxed as personal property. Buyers should always check with the local park and communities to determine the tax implications when determining the budget impact. In general, homes built after 1980 are listed on the local property tax roles, while those built before 1980 may be treated as personal property unless the owners have initiated a change.
Fourth, though many manufactured/mobile homes are in community parks, more than 70% of manufactured homes are sold to private property owners who place them on their own land. Much less expensive than a conventional "stick" home, delivered on a timeline and installed on a foundation, ready to go!
Fifth, if they are purchased with land they can be financed with conventional 20 and 30 year mortgages.
Finally, being factory-made they are built to quality controlled standards, using the same materials as "stick built" homes (plaster-board, moulding, plumbing, roofing, 2x4 studs, etc) and are 10-20% less per sqft than site built homes. (Source - Manufactured Housing Institute - Quick Facts 2014)
Serious about this and want to talk about buying one?
1) Age of the Home - homes built before 1976 may require special financing solutions, such as a higher down payment so the buyer needs to find an experienced lender to assist. Homes built after 1976 have more flexible lender solutions. When we talk I can explain further.
2) Insurance Providers - after the offer has been accepted, you will need to get insurance coverage for the home. As a courtesy, below are some insurance firms that write coverage for mobile homes:
Louella Sigua Farmers Insurance, 925-930-0307, firstname.lastname@example.org
Janet L. Macedo, Wiebel Insurance Agency, 800-653-5565
3) California Title 25. Housing and Community Development Mobilehome Parks and Installation Regulations - this document covers all the regulations regarding a mobilehome park and includes information on earthquake bracing, accessory buildings, etc.
4) California Mobile Home Residency Law - 2018 - this link will take you to the California Senate website where you can read and review the current Civil Code Provisions.
6) Manufactured Home Alterations and Permit Guidelines Chart - This chart helps to define what alterations require a permit, plan review or engineering load requirements.
7) Mobile Home Park Frequently Asked Questions - this California Department of Housing and Community Development website provides some answers to the most frequently asked questions, as well as contacts for more information.
8) CA Dept of Housing and Community Development Mobile Home Program - this is the home page for the HCD division. Here you can find information on the rule, regulations, FAQ's, and Forms provided by the state.