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Thinking about buying a manufactured home?
Here are a few things to consider before purchasing a manufactured home:
Senior or family park?
Some mobile home parks are specially designated for residents who are age 55 and better. The primary resident must be 55 years old, and other residents must adhere to the park’s age policy for secondary residents. For example, many parks will allow secondary residents under 55 years old, as long as they are at least 35 (or 45) years old. Exceptions may be made for disabled residents and caretakers (with a doctor’s note). The goal of a senior park is to cater to the needs of older adults, while excluding children and young people. Typically, senior parks are maintained well and valued higher than family parks.
If you have children or if you’re younger than 55, you’ll need to look at homes in family parks. The quality of family parks vary. Some are extremely low quality neighborhoods, while others are very high quality neighborhoods. Choose carefully. Once you buy a mobile home, you should plan to live there for a long term. Manufactured homes are usually more difficult to sell than regular homes.
Mortgage loans
As we discussed earlier, getting a mortgage loan on a ... more

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