Acceptable Credit Scores When purchasing a Manufactured Homes

[@ronmcyrus4879]

My goodness thank you for being such an open book I just recently had a conversation with someone about this this morning because someone would ask me about my process with getting a new home there’s no secrets about how much I pay for something that alone should be for someone else because at the end the day if somebody wants something they’re going to go get it if they can afford it they can buy it if not then oh well I know people that are very secretive about stuff like this and I really appreciate the info

[@HomesNThingsbyChristie]

Thank you !

[@hapshabyahyisrael9810]

Thank you so much. I just listened to this video in detail. So I discovered somethings I had questions about. I am divorced and on a fixed income, repairing my credit and working on a home based business. So in about a year and a half I should be ready to purchase. Credit score is 620 and climbing. Keep it coming!

[@DaQueen57]

TFS. Great answers. When I bought my first home. I actually went thru my bank which is another option. Glad you are feeling better Diva😊💖

[@amyville29]

Your lucky in Tennessee most banks won't touch a Mobile Home loan

[@DaQueen57]

@@amyville29 Oh my. That's sad. Money they missing out on. Look how many sale. Now they are better built and better laws to follow. Maybe they change some day😁

[@veromiami]

Please do the monthly payment works detailed video. That would be very helpful

[@AngelGomez-dv6wq]

Good video. My dad purchased a two bedroom, one bath american general 30 years ago and it has held up well. I bought a brick home 14 years ago to be my forever home...i never understood people that buy homes to live in them for a short period of time.

[@pbenson56fran]

Neither do I understand a short time in a home. But people do what they do.

[@lisaallen5487]

Your answer to that last question is spot on! We looked at many homes and narrowed our choices down to two. Both beautiful homes but we got a feeling that I can't really describe every time we walked into the one we ultimately chose. We walked through both several times for two months just to be sure before we committed to buying. Like you said, go with your gut!

[@honibear6478]

MHD you have been a great help to me. What I’m referring to is all of your home tours and now with the “meat & potatoes” of purchasing a manufactured home. I’ve purchased a site built home that was brand new and I was the 1st owner before, but this is a little different since I don’t own land. Thank you for your help.

[@maryjanewolfe5285]

Deer Valley is a very good home Clayton is next An then Live Oak But as long as you take care of the home it will last.

[@scholasticbookfair.]

Deer valley is so expensive 😭

[@maryjanewolfe5285]

@@scholasticbookfair. You is so right before buying Deer Valley buy a house.

[@mnoell35]

@@scholasticbookfair. true,but they have some of the best features/floor plans out there.

[@scholasticbookfair.]

@@mnoell35 Meh, Hamilton is one of my favs and at a fraction of the cost.

[@bippityboppityboo2u]

To the person asking about builders, I loooove deer valley , very good quality..in my area they are very expensive though. Clayton is next followed by live oak

[@hapshabyahyisrael9810]

Also, can you speak on maintenance of the home and yearly inspection that need to be done. I saw that some where on line.

[@vickilind5805]

Thank you for all your information you gave us. Thank you for caring for all of us like you do. May God bless you each and every moment of each day.

[@LittleWillie1000]

We will be looking at another VA loan. Presently we are living in Arizona and plan to move home to Georgia in a few months.

[@suebee4380]

an interesting way the ability to pay is determined is credit to debit ratio and pay off those credit cards folks even a little bit and that will help you to afford the home your looking for. The Diva has probably covered this but it was very important in my situation.

[@ThriftyTs]

I love your videos, it feels like I'm sitting and talking with an aunt ♥

[@wilmashelton8147]

I watched one of your videos and have been hooked. Love watching☺

[@depaulaross4196]

When do you put down your down payment? Is it at the beginning or at the end of everything? Can you talk about the process for adding your land into your loan, meaning does the amount you get approved for, does that include your land, home, and anything else that needs to be done?

[@HomesNThingsbyChristie]

Great question. You out the down payment down at closing. It’s the last step before the home is delivered. I talk about it in two videos that I will paste here however I think I could go into more detail in a future video. Check them out and let me know if you have additional questions kzbin.info/www/bejne/f2O8naiYaN-Vepo and kzbin.info/www/bejne/bYTKiGaXpKZ9epo

[@carolcarol5118]

Do you pay sales tax on manufactured home when you purchase?

[@AfrikQ10]

I really like these houses. They are affordable. I would purchase one if I could. Thanks for the information.

[@pbenson56fran]

Me too

[@brittanyhague5410]

Great video!!!

[@kimspadaccini3087]

Please please do a video on the break down on escrow

[@dgiles3064]

So love your channel! Great info as always.

[@chitowntexan]

You're the bomb!!! Thank u for all the information u provide 🤗

[@casmitacompton1723]

You inspired me all the time. Thanks for teaching us

[@HomesNThingsbyChristie]

Awww thanks so much!

[@ericabray1239]

Thank you so much for this video its makes me more excited about purchasing my home ☺☺☺🙌🏾🙌🏾🙌🏾

[@HomesNThingsbyChristie]

Your very welcome. Thank you!

[@65poppadaddy]

Great video I have a question. I buy less desirable manufactured homes live in them update them and sell them so where can I get financing for my deals?

[@veromiami]

Please can you do a video in more detail about mortgage options

[@Splenda2021]

Thank you

[@jeromeingramjr6972]

Thank you!

[@debbiesimeon4855]

Thank You So Much For Your Help, Will Be Trying To Buy A Home, Your Information Really Helped, Thank You So Much!!!! Be Blessed!!!

[@gilbertmercado462]

Liked your presentation so I subscribed to see other videos on this subject. Thank you.

[@joycephillips1332]

Your info was so helpful, my husband and are in the market to buy a home from Clayton home soon

[@HomesNThingsbyChristie]

I’m glad I could help. Stay tuned. Lots more coming

[@letakeokuk5446]

I’m late to your channel. Do they approve if you’re on a fixed income like SSDI? You are to be applauded with your wealth of information. Thank you in advance. 🙏🏾🙏🏾

[@glcoldlady4654]

Thank you for this video it helped me alot, I have so much to think about but I'll try not to let it worry me to much. Love all your videos and I've learned alot keep them coming I look forward to seeing you again 👵💋👍GLC

[@Livingwithangela116]

Great video!! Thanks for sharing

[@Sazonman]

🗣$1,111.51...😲😲😲I thought it would be much cheaper than what my wife and I pay for our current mortgage + property taxes, we pay $475 per month for a 3.5 bedroom...then again owning properties in Georgia has gotten expensive after 2008...it use to be very cheap to live thier.

[@HomesNThingsbyChristie]

Our credit played a part. My husband has no credit and I have bad credit 🤪

[@heydanniewoods5899]

@@HomesNThingsbyChristie really so how did u get approved

[@dreesdesign3951]

Mobile Home Diva 😂😂

[@awesomealexanders690]

Thank you for the great information.

[@graceandmercy2214]

Thank you for the information!

[@MyNicknash]

Thanks for the info 💗

[@doreenroberts3237]

Awesome video down to earth me and my husband are in our 60s retired low dti he has a 640 plus score me I have just under 600 but i have to clear up a few things we keep getting the doors shur on we do not know who we can go to to get a loan we are not wanting to spend over a 100k Do you think there is someone to help us purchase any suggestions we live in CA but want to get back to WA should we look at homes in parks or look at manufactured/mod compaines?

[@reesysorganicworld1989]

Blessings Sis, I appreciate this channel - and you/your husband. Can you share a printable check list for buying the mobile home with land? Including all of these things. Or can you recommend a website that has a thorough checklist so I don't forget anything? Shalom and Blessings. May The Most High our Heavenly Father continue to bless you and your husband for sharing information and wise counsel for others. Much respect Reesy

[@dpdiva7216]

Hello , I enjoy watching your videos, and I applaud you so for the information. Question: Can someone who is retired purchase a Manufactured Home? Or who can I ask?

[@HomesNThingsbyChristie]

Yes I don’t see why not. You still have verifiable income. I would contact a manufactured home dealer in your area to find out if you could get qualified 👍🏽❤️

[@alexcortez7928]

Do you have a video for those looking into renting a space in a park. I am referring mainly to rent control laws or tenet rights or being priced out of the park after 10-15 years of increases.

[@tammyaferrell2925]

Can you tell me if there are other companies with land and home packages besides clayton

[@brunieperez8290]

I loved this video. It was very informative.

[@HomesNThingsbyChristie]

Thank you 🙏🏽

[@JesusGarcia-en3pj]

Is it possible to finance the land and mobile home from ine company/bank? Like with out doing a lot of back and forth for example company A) will finance the home but company B) still has to approve the loan for the land and in that process you still have to go to work, pay bills and eat. Can it be done all at one place? How does it work? Is there still land that companies buy up to divide it for smaller acreages?

[@eddiegomez7566]

I’m not sure if you can answer this question but really like to hear your answer. Can you use a 1 acre property as collateral ?

[@tafferloncunningham5443]

Good information!

[@daniellejohnson5198]

Your video helped me alot.

[@Anti-democratChick]

The payment monthly is not bad.

[@MsChris-sr8qc]

Very valuable advice. Thank you so much for sharing. 💟

[@HomesNThingsbyChristie]

Thanks so much for watching ❤️

[@ClarksCreations1]

That helps a lot. Thank you so much!!

[@HomesNThingsbyChristie]

Thank you so much

[@bluediamond3932]

Thank you for this info

[@Shaykre19]

Omg, soooooo helpful!!! 🙏🏽 thank you!!

[@kimspadaccini3087]

Also can you please do a video on the delv and set up fee for Clayton

[@HomesNThingsbyChristie]

That was included in the price of our home. I’ve talked about it in several videos. There isn’t a separate cost for this with Clayton hones

[@kimspadaccini3087]

@@HomesNThingsbyChristie omg !! Thank you so much for writing me back ! I love your videos you have inspired me so much .. I am in the middle of purchasing a Clayton home we found the land Clayton went out and priced it, now they are sending to the loan officers, I filled out an application to tide water and cascade, do you remember what the other ones were ???

[@kimspadaccini3087]

@@HomesNThingsbyChristie how much was your delivery and set up cost ?? I re watch your videos over and over you are so helpful in this process of it was not for you o would not have found my dream home !!! Thank you for your videos! And we love you so much

[@cindyguerrero3802]

Do you own the land ? And also I thought I heard you say in another video your in a mobile home community if correct do you have HOA on top of your mortgage. Enjoy your new home.

[@sparklesinblue5120]

I keep experiencing discrimination..is there any help for me..ive been aproved twice..and the lot owners tell me i cant buy on their lot

[@neshiaj5951]

Nice video Which percent did you have to put down?

[@HomesNThingsbyChristie]

We put down 10% of course that is based on your credit score

[@trisht6488]

Yay thank so much for answering my questions i wish we were next door neighbors cuz i have so many questions 😆

[@HomesNThingsbyChristie]

Keep them coming. I love the conversation 😂

[@trisht6488]

@@HomesNThingsbyChristie haha awesome add me on ig my user name is the1nonlytrish id love to kno w a 650 credit score and 15k down do u think we would get a good interest rate w a fha loan also what didnt u like about Vanderbilt? If u dont mind me asking

[@bigmike4720]

What if you use your land as down payment to how that work

[@HomesNThingsbyChristie]

Yes you can use your land as down payment ! They love when you already have land!

[@bigmike4720]

Thank you

[@amybare5069]

I have a question that might be a dumb question to other people but I need to know. If we get approved for a $100,000 loan and the home we want is $140,000, do they accept the $100,000 for that home or can we only get a home for $100,000 or less?

[@HomesNThingsbyChristie]

You can only get a home for 100,000 or less. However the dealer may be able to reduce the price to something you can afford. Keep in mind the 100,000 is for the home, set up and delivery etc so you have to factor all that in also. Anything over the 100,000 you would have to pay out of pocket

[@amybare5069]

Thank you for the answer. I'm new at this and I'm trying to navigate it and understand the best I can. It's much harder than I imagined.

[@mindplacesradio1548]

Please do more mobile home tours. We do not see as much content anymore

[@lovely31bluprint]

WHAT ARE YOUR SUGGESTIONS FOR PEOPLE WHO RECEIVING SOCIAL SECURITY BENEFITS?

[@aarrone99]

Yesss..please respond

[@durtydurty829]

You can qualify with Social Security!! I was just told by several mortgage companies

[@oclaothug69]

Can you just pay cash if you have no credit at all?

[@HomesNThingsbyChristie]

You sure can

[@oclaothug69]

@@HomesNThingsbyChristie thank you for your reply

[@mercedes-benzforever7052]

Hello in buying a manufactured home do you you have to provide your income tax returns like a regular home purchase. Thank you M Rivera

[@HomesNThingsbyChristie]

I had to provide copies of our W2s. Not the actual returns

[@pammiesue7931]

Did you put yours on land? If so how much was hooking up utilities?

[@HomesNThingsbyChristie]

Yes we put ours on land, and we didn't have a charge to add utilities to the land as there were sewer, and water already there, we paid 150 deposit for lights and the 200 for cable, but nothing for adding it into the property. Only to turn it on.

[@Gabriellabonanno]

Let's say great credit score, on job many years , but salary has dropped due to life changes...how does that play into being approved?

[@HomesNThingsbyChristie]

That honestly would be a question for a lender. They love a good credit score but want you to be able to pay for the home. I see it going one of two ways. 1. You get approved but for less than you thought or 2. Your pleasantly surprised at the approval! Either way you should be fine !

[@Imjusthereleavemealone]

So you pay 1,100 and 900 a month?

[@veromiami]

How much annual income you need to get approve for a $100,000 loan?? Please

[@HomesNThingsbyChristie]

That depends on your credit score and some other factors that the lender will need to know. Your credit score and income will determine your percentage rate. Also the length of the loan factors in as well

[@lamegame0987]

How much did your home and land cost?

[@HomesNThingsbyChristie]

Heather M Great question. I break down the costs of our home in this video kzbin.info/www/bejne/f2O8naiYaN-Vepo

[@lamegame0987]

@@HomesNThingsbyChristie thank you. I figured it was mentioned some where but hadn't made it to that video yet

[@scarface11385]

Do you pay city tax for your mobile home ?

[@HomesNThingsbyChristie]

All taxes are included in the mortgage. I will have to pull out my papers to see. I did get a tax statement , but the lender had already paid it

[@DavidDavid-nv3cs]

You forgot to mention debit to income ratio 😆

[@curtishar.8908]

Good info!