Securing finance for a manufactured home repair or renovation project can be a bit difficult and tricky task. If you are living in an old manufactured house, you will probably need to make repairs to the house to make it a bit more attractive and to fix damages. However, if you are planning to sell your old mobile home in the near future, then securing finance for repairing the house is not a good idea.
Having a proper knowledge on the various manufactured home financing options is necessary, as it will give you an idea on how to acquire finance for manufactured home repairs. So, consult with a few manufacturers and some manufactured homeowners, as it will help you understand about manufactured home financing options.
Some of the credit unions in the country often provide competitive financing for manufactured home repair in the form of personal loans and equity loans. However, credit unions may sometimes add the vehicle you own as a lien for securing the loan on manufactured houses.
Some other popular sources of financing are personal loans from your family members, friends, or equity loans. In addition, you could also seek help of your own personal bank and request them to finance your manufactured home improvement project. If you are a person with a good credit score, then acquiring a loan from financial institutions will be a simple task.
Several expert manufactured homebuilders advise their customers to look for the best interest rate when they are trying to secure finance for manufactured houses improvement project. Additionally, homeowners should also try not to settle for an enormously high, long-term interest rate loan. This is because most old manufactured homes fail to retain their value as much as conventional site-built homes, meaning that paying back a huge amount to your financial institution is a bad idea.
However, manufactured home improvement projects that include updating the bathroom or kitchen, adding porches or patios, replacing the flooring, wall covering, and paneling can help to raise the resale value of your home significantly. This will help you get a better deal when you are selling the house.
One of the simplest ways to prevent burglary in your manufactured housing is to properly lock the windows and doors of the house when you are away. However, standard door locks such as the key-in-the-knob spring bolt locks might not be powerful enough to prevent the entry of burglars into your manufactured houses.
Your best bet for a door lock is certainly a single cylinder dead bolt lock. These types of door locks are usually backed up with a strong reinforcing strike plate that is fixed with three-inch screws. However, you should also take note of the fact that the thickness of the deadbolt should be at least one inch.
Sliding patio windows and doors present a unique security challenge to most burglars. Placing a pipe or dowel in the slider track might be also useful but they are not perfect, as cunning burglars will have the skill to easily bypass them by simply lifting the windows and doors out of its side channels. You can efficiently prevent the issue by tightening the adjustment screws.
In addition to that, make sure to lock your storage sheds or garage, which is located on the property, particularly if there are any ladders or tools inside them. You should also consider using a quality deadbolt lock too, as it will significantly reduce the chances of a break-in.
Investing in a reliable home security system is also a great choice since they will instantly update you when something abnormal happens inside your manufactured homes. You will be easily able to find a cheap home security system without much research. Additionally, you may also invest in a few security alarm systems, as they will also come in handy in the events of a break in.
Below are a few things that you should do when you will be away from your manufactured home for a week or more because this will make your home look occupied even when no one is inside it.
Ask a trusted neighbor or friend to pick up your newspapers and mails
Hire someone to shovel snow or mow your lawn
Request a neighbor to park their car in your driveway
Try not to broadcast your absence
Make sure to turn the ringer of your landline down or off
Helpful Tips in Enhancing the Décor of Mobile Homes
Manufactured housing has become the preferred choice of living among many of us. They offer more facilities and comfort than conventional homes while also providing increased customization options. The affordable nature of manufactured houses presents a more simplified way of living to the inhabitants. This simple living option can be further enhanced by incorporating several styling and décor elements in the home. This will make the home aesthetically more pleasing while also improving the comfort levels offered to the inhabitants. Described below are few tips to enhance the décor of your mobile home.
Normally mobile houses come with built-in paneled walls. These panels can be dark and may reflect light poorly to make the interiors appear dim. Painting is the most preferred way to enhance the interior spaces of a mobile home. Using light colors, preferably white will help offer better reflectivity, as the light will bounce through the walls to provide a diffused and even lighting inside the home.
Choosing other colors can significantly alter the ambiance of the interior spaces. Green and reds are the preferred colors to enrich the interiors truly. When opting colors to paint your manufactured housing, do a proper research beforehand and go for the one that suits well with your taste.
Carpeting is usually installed on the floors of most of the mobile homes, which may make the overall flooring dull, at times. To improve the décor of your mobile home, you may consider removing the carpeting and replacing it with tiles or hardwood flooring. Such flooring options can offer a pleasing look and feel across interior space of the home.
The other major element that will really assist in the beautification of the interiors of a mobile home is the upholstery. Placing them in the right way across the rooms can convey a unique sense of character while providing more comforts. While choosing upholstery, go for the plain and lighter colors as they can make the room to appear more spacious and bright. For curtains also, you may choose lighter colors over dark ones as it can help in conveying a sense of larger space.
Adding cabinets is another great way to enhance the look of the home. When selecting cabinets, you may go for the lightweight models that match perfectly with the rest of the décor. Cabinets made of wood like mahogany or oak will enrich the interior of the home along with offering added functionality.
How to Offer Unique Character to Manufactured Homes
Manufactured homes today comes with an assortment of features that offer aesthetically pleasing and better living experience to the inhabitants. In the process of building a manufactured home, adding many personalized features will result in making a truly distinctive home. In manufactured housing, this is highly important as it offers improved living experience while also contributing to the well-being of the inhabitants. Below are some helpful cost effective tips to add a unique character to your newly constructed manufactured home.
Having a well-crafted front door is one of the best ways to exude a sense of unique character in your home. In this, the color of the door is very important and one can always choose to paint the door with any color of their liking. Having a properly painted door of a color that you have a close connection with can really give out a sense of character to the home.
The cabinets are the major aspect of the kitchen and serve as storage spaces for a number of utilities. Painting the cabinets is the best way to alter the look and feel offered by the kitchen space. Since most, cabinets that come in new manufactured homes are made of wood, it is much easier to paint them with the color of your liking.
Most newly built manufactured homes have extra spaces to accommodate any needs like home office or a personal space. For providing a distinctive look, consider installing a sling farmhouse door in the entrance, as it can effectively separate the room from the rest of the spaces of the home.
Adding proper storage spaces in the nooks and corners of rooms offers the best way to store things. Many manufactured homes lack such storage spaces. Installing such storages spaces innovatively across the doors and closets can provide a unique character to the home while offering functionality to the manufactured housing.
The light fixtures that come inbuilt in most manufactured homes are normal models and may not always go with your design concepts. In such a scenario, it is best to paint the fixtures or consider replacing them with fixtures that truly matches your style.
We know hinges are used on the best manufactured homes to ensure portability. Clearly understanding the overall financial terms and conditions would quicken the process of manufactured homes for sale. The property loans, for instance, are given based on whether buyers own the property or settle in as rented occupants.
Real Property Mortgages Specialties
Buyers owning the land seek a lump sum amount as down payment to buy the best manufactured homes. When approaching lenders, the homeowners must submit the requisite property certificate proving their ownership credentials. Real property mortgages are similar in amount and other lending conditions of a traditional home loan.
Personal Property Loans aka Chattel
The manufactured homes for sale are classified under National Automobiles Dealers Association. The thing that separates the chattel loans to the real property mortgage is the down payment and interest. Rented occupants managing a portion of the lump sum amount seek chattel loans for short term with curtailed interests.
What is With the Classification?
These classification methods are adopted by lenders mainly to satiate the financial needs of the respective buyers and in line with the construction cost. Some owned properties have a landscape, whereas skirting on walls usually goes into the making of all manufactured homes. The customizations would eventually determine the loan amount and the type of loan that buyers get.
When are Chattel Loans Preferred?
Chattel loans are preferred by builders mainly because they are secured by the manufactured home for sale. This is completely different from what happens in a traditional site built home. The buyer lien the possession rights to lenders to gain real property loan until debt repayment. After repayment, they get full possession of the property as per the standard regulations.
In order for the manufactured home for sale to be classified as a real property, they should be assembled on a buyer owned land. Being a buyer, you could make a case for either type of loan based on your credit score accredited by the lending institute. Generally, the credit scores are three-digit scores given as per the repayment ability of the buyer.
Many American citizens have started to choose manufactured housing over all other types of housing because of the comfort and convenience offered by these structures. If you are planning to build manufactured houses or if you are planning to invest in these factory-build structures, then you should have a good knowledge about the construction process of manufactured houses.
Consulting with experienced manufactured homebuilders will certainly help you to get an idea of the construction process and it will probably help you discover more about them. The next thing that you should know is to how to eliminate the chances of fire and tornado accidents in these structures. Below are a few fire, CO2, tornado, and high wind safety tips that will protect your home from these dangerous natural hazards.
Fire and CO2 Safety Tips
Install Carbon Monoxide and Smoke Detectors
Manufactured homebuilders advise their customers to install reliable and efficient carbon dioxide and smoke detectors at their home. They also insist homeowners to keep the alarms on each end of their home. Homeowners will also have to ensure whether they are working properly or not every 6 months.
Buy Fire Extinguishers
Make sure to buy at least two fire extinguishers and always keep them inside your manufactured home. You can keep one of them in your kitchen and the other one in your mechanical room. In addition to that, you should also use fire retardants, as they will help you to prevent the spreading of the fire when there happens to be a fire accident in your home.
Tornado/High Wind Safety Tips
The first and most important thing to do after building a manufactured house is to confirm whether the house is installed according to the local and state regulations as well as per the manufacturer’s instructions. If your home is not installed according to the regulations and instructions, immediately consult with your manufacturer and take necessary steps to resolve the issue.
Monitor Weather Reports
If you are living in an area that receives high wind, then keep a close look on the weather variations and know the difference between a warning and a watch. In addition to that, you should also purchase additional tie downs, as it will offer more security to your home. Consult with your local contractor to get more information on tornado/high wind safety tips.
Simple Remodeling Projects for Manufactured Housing
If you are planning to remodel your manufactured home, then you should note the fact that any home remodeling project should increase the equity and improve the quality of home. This means that you will have to choose the remodeling plans carefully and efficiently. So, consult with a local contractor and ask for a few remodeling suggestions that will increase the value of your manufactured home.
Note that if your home is more than a 10 years old, then you should initially conduct a thorough inspection of your manufactured housing before starting the remodeling project. If you find out that your manufactured home might not be able to withstand the remodeling, then it would be wiser to buy any of the best manufactured homes for sale rather than remodeling your old home. However, if everything is OK, then here are a few simple budget-friendly manufactured homes remodeling projects that will bring a fresh look to your home.
Doors and Windows
Replacing the older and ugly doors of your older manufactured home with fresh and attractive ones will instantly make your home look a lot more appealing to your neighbors and visitors. Moreover, it will also increase the function and aesthetics of your manufactured home and reduce the heating costs.
Many manufactured home manufacturers in the country advise their clients to choose vinyl siding over other types of sidings when they are remodeling their house. This is because vinyl siding instantly transforms the look of your manufactured home and also cuts down the cooling and heating costs of your home.
Replacing the shingles of your older manufactured home or installing a new roof over will help you to increase the resale value of your home, particularly if the manufactured housing structure is 5 years or more old. In fact, you will be able to do a roof-over even without making a huge payment.
Remodeling the bathroom of your manufactured home is quite similar to a manufactured home kitchen remodeling project, If you are running low on budget, then we highly recommend you to not make any structural upgrades. Many expert manufactured home remodeling contractors claim that even the most simple and basic kitchen remodeling results in a 70% return on investment.
Adding a covered porch or deck to your old manufactured home will increase the living space in your home, which is a valuable thing for all smaller homes in the country. In addition to that, it will also increase the resale value of your home and allow you to grab a better deal when you are selling the house.
The increase in the real estate process across the country has urged many homebuyers to choose manufactured houses over other housing options. Manufactured houses offer all the comforts of a conventional site-built home at a cheaper price. Another added advantage of buying a manufactured home is that you will be able to customize the house according to your needs and desires.
In addition to that, you also enjoy the luxury of installing a number of eco-friendly and energy efficient upgrades to your manufactured house to reduce the heating costs. Below are a few efficient tips for moving into a newly purchased manufactured home.
Many first-time homebuyers have a misconception that a manufactured or mobile house is just a trailer. Nonetheless, the reality is that the best manufactured homes come in a variety of sizes, shapes, and levels of luxury. This means that you will be able to find the right manufactured home for you and your family to live in without much research. However, make sure to shop around for manufactured homes, as it will help you to acquire a better home for a better deal.
Where to Live
You will have to find a place or site to install the house if you are buying a manufactured home. There are three options available to you. You can rent a lot, buy a lot, or become a part of a mobile home community or park. Installing your manufactured home in a community or a park that is filled with factory-built homes will certainly boost the resale value of your home. On the other hand, placing it in your own land will save you the rental expenses. So choose wisely.
Ensure that the manufactured home you are planning to buy is protected beyond the warranty of the manufacturer. This can be simply done by making an investment in manufactured home insurance. Below are three major types of manufactured home protection that you should look for.
Coverage of fire, water, and wind damage.
Theft of the belongings in your manufactured home.
Liability for personal injury.
Even though manufactured home insurance coverage is like standard household insurance, they are a bit more expensive. Look out for real estate agents who sell insurance as a part of packages to get the best deal in this scenario.
How to Convert Your Manufactured Home into a Smart Home
Many homeowners now increasingly favor smart homes and their popularity has enabled many to incorporate such automated features into their new modular homes. Manufactured housing with its increased customization options is most suitable for adopting smart home features. Manufactured homes have immense scope for incorporating such features without the need for any major renovations. Here are some ways by which you can convert your manufactured home into a smart home.
The presence of good Wi-Fi connectivity is the notable feature of an automated home. In manufactured housing, the normal Wi-Fi can be extended with the usage of a power line-networking plug. This directly fits into any power sockets in your home. To install this, insert the Ethernet cable from the router output port into the connector on the networking plug and connect the device to any power socket inside the home. This will effectively increase the signal strength throughout the home.
USB Power Outlet
USB power outlets are essential inclusions that can readily convert the best manufactured homes into a smart home. Such outlets allow for directly charging of devices like smartphones and tablets. To install them, you can either replace the entire power socket or go for a USB adapter that plugs into any standard power outlet.
Programmable thermostats are the key feature of an automated home and can be easily incorporated into a manufactured home. A standard programmable thermostat, although generally priced less, offers altering of the basic settings. Advanced models have imnproved features like WiFi support that allows remote controlling of the settings from any device like smartphone or tablet.
Smart locks feature keyless locking and unlocking of the exit and entry points of a home. Adding keyless locks are easy in manufactured homes since many manufacturers offer systems that range from basic to advanced models. Advanced systems support Wi-Fi that enables users to remotely control the locks from a smartphone or tablet.
Lighting systems nowadays come with smart features that enable automatic switching along with a significant reduction in energy consumption. Incorporating smart lighting into your manufactured home allows you to control the switching of the lights as well as their dimming and color. Advanced smart lights also support Wi-Fi that enables wireless control through any digital device.
Importance of Inspections in Mobile Home Installation
Are you planning to relocate your manufactured house? If so, note that there are a few standard inspections, which you need to conduct before and after the installation of a manufactured housing structure. Read on to understand the details of these inspections.
Site Preparation Inspection
This inspection should be done before moving the manufacture home to the property. This inspection will help to ensure that the home installation site is prepared well, as a properly prepared lot is very much necessary before starting the installation of the foundation and anchoring systems of the home.
It should be ensured during the inspection that the area beneath the manufactured housing is well drained. This is important to ensure long-term structural integrity of the home. The installation site should be crowned and grades to avoid moisture accumulation under the manufactured home. In addition, a two percent slope should be provided to offer proper drainage. If it is impossible to provide slope, approved drainage systems can be used.
This inspection concentrates on the home installation, electrical, plumbing, and HVAC systems of the manufactured home. This inspection ensures that the manufactured home is installed properly on the site, with necessary piers and tie downs, as per the instruction manual of the home manufacturer. All electrical, plumbing, heating and cooling systems will be checked for their material quality and installation under this inspection. All appliances and parts that are installed by the owner will also be inspected by the same standards as professional installations.
This inspection will be done once the installation of the manufactured home is completed with all building service equipments, porches, decks, steps, etc. The permanent enclosures and skirting of the home will also be inspected to ensure that these are made of material that is suitable for exposure to elements and contact with soil. The permanent perimeter enclosure of the home should be made of materials used in regular foundation construction.
The inspection will ensure that the skirting of the home is installed as per the installation instructions of the home manufacturers. It will also ensure that the skirting is properly secured to minimize vibrations, assure stability, decrease susceptibility to wind damages, and to compensate for chances of frost heave.