Lifestyle Insights and Buyer Tips

Essential Tips for Manufactured Home Buyers:

• Confirm whether the land is owned or leased.
• Review all monthly fees, including space rent or HOA dues.
• Check roof age, AC condition, and foundation type.
• Review park rules if located in a managed community.
• Some older homes may have limited financing options.
• Communities often host social events, golf meetups, or pickleball groups.

Understanding Land Ownership

• Owned land homes typically qualify for standard financing.
• Leased land homes may require chattel loans.
• Space rental rates can vary widely by park.
• Owned land generally offers stronger resale value.

Age and Loan Requirements

• Homes built before 1976 often do not qualify for traditional financing.
• Homes built after 1976 with HUD tags and proper foundation have more loan options.
• Roof condition, HVAC, plumbing, and skirting can affect loan approval.
• Insurance costs vary by age and home construction.

Park Model Buyer Tips

• Confirm whether the park allows financed purchases.
• Review space rent or monthly park fees carefully.
• Check restrictions on seasonal versus full-time residency.
• Verify acceptable uses for casitas or additions.
• I can help guide buyers through specialty lenders who finance park models.

Casita Usage Rules in RV Parks

• Attached or detached casitas cannot be used as sleeping areas.
• Allowed uses typically include office space, hobby rooms, or storage.
• Buyers should confirm acceptable uses during due diligence.