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Many prospective homebuyers want to buy a mobile home and land together simultaneously. You may have come across us when shopping for mobile homes on land for sale. Fortunately, buying a mobile home with land is simple once you understand how such deals are structured. It may seem like two transactions. However, bundling the home and land together under a single loan or mortgage is possible.
The key is planning.
If you are looking for mobile homes and land for sale, you most likely still need to begin the search by identifying each independently:
Unless you’re buying an existing home and the land where it’s already sited, you should begin your search with these two buckets in mind. As you get farther down the path, there are ways to bring the entities together, legally and financially.
There are many ways to search for land for a manufactured home. First, you know where you want to live, at least approximately. Maybe you hinge your decision on a school district, distance from work, or simply a part of the city or county that makes you feel at home.
You can browse available land on the San Antonio MLS.
This will give you an idea about what is available and where you may want to live. Alternatively, you could hire a realtor to search for land as well. Even just driving through the neighborhood the old-fashioned way can be helpful; keep an eye out for “land for sale” signs.
Finally, if you have already begun your home search with us, we would be happy to help you find land. We also have some existing mobile homes that can be purchased with the land through our land/home packages.
Once you have acquired your land, it’s time to place your mobile home. We will help you with many considerations when placing your mobile home. For example, you may have to dig a well for water.
These are all questions that need to be asked and answered in preparation for putting a mobile or manufactured home on land. Each question mark comes with an untold investment in time and money.
The most common way to bundle land and home finance together is with a land-home loan. This allows you to get a conventional home loan for an existing manufactured home and the land it sits on. If you’re going with the new manufactured home, you might consider a construction-to-perm loan. This manufactured home loan creates a series of draws off the loan to pay for the home to be built, transported, and set up. Once the home is placed and inspected, the loan converts to a permanent mortgage. Check out our Financing Options page to learn more.
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