Manufactured Home FAQs
We’re here to answer all your questions.
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How do I buy a manufactured home?
Check out our list of Retailers found under Find a Professional.
How do I finance a home?
Financing options vary, depending on whether you’re financing the home with land or the home only. Some loans are specialized, such as Fannie Mae’s MH Advantage® and Freddie Mac’s CHOICEHome® loans, and require certain features to be included in the home. So, you might use a conventional loan, a specialized loan, or a home-only loan. A lender who specializes in financing manufactured homes can help guide you through your options based on factors including your credit, budget, and installation site.
Check out our list of Lenders found under Find a Professional.
Are grants available to help me buy a home?
The state of Oregon offers various types of assistance for those who qualify. We encourage you to research potential grants and incentives offered through the state agency Oregon Housing & Community Services and nonprofits such as CASA of Oregon, DevNW, and Energy Trust of Oregon. Visit our Resources page for Helpful Links to access these sites and more.
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Where can I put my home?
If placing your home in a community, you will own the home but rent the land underneath. These communities may offer lifestyle amenities and location preferences that suit your needs. A big advantage of moving your new home to a manufactured home community is that the site work is already done. But make sure to check the terms of any lease and the community’s rules and regulations before you sign on the dotted line.
When do I move in?
Once the site is ready, a specialized trucking company will transport your home to the installation site where the home installer can put on the finishing touches. If you purchased a multi-section home, the installer will “marry” the sections. Once your home is placed, utilities are turned on, and everything passes final inspection, it’s time to move in!
Is there assistance for replacing my older manufactured home?
Knowing the Myths from the Facts
Manufactured homes are not safe.
Myth
Today’s manufactured homes are built to federal standards requiring smoke detectors, escape windows, and incombustible materials around furnaces and kitchen appliances. Many site-built homes do not contain these safety features.
Fact
Manufactured homes are built with inferior materials and construction quality is poor.
Myth
We build with the same materials as found in site-built homes, but your home will be constructed in a controlled factory environment where materials are not vulnerable to weather conditions and employees are uniquely skilled for each aspect of the process.
Fact
Manufactured homes don’t appreciate in value.
Myth
Independent appraisal studies confirm that manufactured homes appreciate in value the same as other forms of housing with key factors including condition and location of the home.
Fact
Manufactured homes lack “curb appeal” and are unwanted additions to neighborhoods.
Myth
Today’s manufactured homes are dramatically different in appearance from the “mobile homes” and “trailers” sold two decades ago. We offer a variety of exterior designs that are fully compatible with any neighborhood architectural style.
Fact
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