Many people purchase mobile homes because of their affordability, flexibility, and reduced homeownership responsibilities. But if you are considering the purchase of a mobile home, there are still some issues that you will need to consider.
The most pressing issue is where you will place it. There are two main placement scenarios, each with their different responsibilities: placing your home on a leased lot in a mobile home park or placing your home on a piece of land that you own or are buying.
Placing your home on a leased lot
Mobile home communities offer many logistical advantages for their renters. The communities are usually already equipped with utilities, making placement of your home fairly simple. If you are interested in placing your home in a rental community, you should visit various communities and become familiar with their policies and procedures.
Some practical issues to consider include:
· Installation procedures and charges: Know if you, your home manufacturer, or your community will be responsible for your home’s installation. Remember that problems with installation could void your home’s warranty, so make sure that you feel confident in your home’s installer. Make sure you know all of the costs for installation and the charges for utility hook up.
· Procedures governing community life: Know who is responsible for ground and lawn maintenance; be familiar with parking rules, quiet time regulations and regulations regarding pets. Familiarizing yourself with these policies before you buy can prevent legal disputes with your landlord later on.
· Lease Agreements: Familiarize yourself with community policies on the length of a lease period and if there are any penalties or rules regarding selling your home or moving your home.
Placing your home on your own land
If you are planning to place a home on land you already own or if you are planning to buy land to place the home, you need to make sure that your home can be legally placed on the land. Many states require you to file for a permit before installing your home. This permit often requires a site plan and a legal description of the property. The legal description of the property will be used make sure that the property is legally suitable for mobile home placement. Zoning and covenant restrictions can limit mobile home placement. There may limitations on the number of dwellings per lot, for example, or mobile homes may be prohibited in certain areas.
If you are unsure about the restrictions surrounding your land, you may want to contact a real estate law attorney, or otherwise research laws regarding mobile homes in your area. An attorney though will be able to easily search land titles, contact the town tax assessor, and make sure that you avoid legal pitfalls in your mobile home placement.
Mobile homes are a good option for many people, including those who are looking for a second home option. But where you place yours still requires some forethought in order to avoid legal headaches later on. Often, an attorney specializing in real estate law can make the process as easy as buying your home can be.