Five More Tips for Financing a Mobile Home

1.       Don’t let a lender  tell you “credit life” insurance is required.  (This is the insurance that pays off your loan if die or become disabled.)  It’s not required, and you may already have enough life and short term disability insurance anyway.

2.       Finance your loan for as short a time as possible, it will save you a TON of money in interest. 

3.       Interest on mobile home loans is tax deductible for those who itemize.  It’s your primary dwelling so you get a tax break, the same as real estate.

4.       Make your payments on time!  This sounds simple, but it really will improve your credit score and give you more options when you’re ready to upgrade to a larger, newer manufactured home.

5.       Before applying online with a national lender, first visit your local bank.  The bank or credit union where you have your checking account and auto loan may give you favorable terms on a mobile home loan, too!

Best advice: work with a reputable manufactured home seller like Hames Mobile Homes.  View our extensive selection of new and used mobile homes online and explore our financing options through our in-house loan company Circle Finance LLC (NMLS#366020).  

 

 

  • "One of my biggest dreams for my family was to own my own home and have a yard for my kids to just let loose and be kids."

    - Tara Tudeen

  • "Summit View is a great place to live."

    - Emory and Frankie Sample

  • "We are very happy and comfortable in our new home."

    - Doug and Julie Morgan

  • "Summit View is indeed all we could want for a home community."

    - Bill and Kitty Johnson

  • "We are so very thankful that we were able to move into a wonderful park."

    - Greg, Brenda and Jade Rawson

  • "How fortunate we are to live in such a kind and caring community."

    - Elizabeth Etten

  • "There are a lot of companies that promise a wonderful service department, but Hames has proven it to me."

    - Lisa J. Potts

  • "I am pleased with my selection."

    - Deborah Schmitz

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    - Clarice Fuller

  • "We will continue to refer Hames to all of our friends and acquaintances we happen to come across!"

    - Lisa J. Potts

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    - Leann Cannon

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    - Ron and Jan Schuster

  • "We love our home and are proud of Grand View.

    "

    - Bob and Cindy Merkel

  • "Neighbors are friendly and so helpful."

    - Mary Craff and Kenny Silker

  • "We would be honored to recommend Hames to anyone."

    - Terrance and Patricia Himes

  • "I have like living in the village because of the spacious lots."

    - Genevieve Angersola

  • "The staff was always there to answer questions or find answers for us."

    - Jim Blad

  • "Cleanliness of the homes "

    - Mary Craff and Kenny Silker

  • "Hames tireless efforts to provide an option"

    - Clarice Fuller

  • "Their friendliness is always welcomed "

    - Jack and Lois Livingston

  • "We look forward to our daughter growing up in this wonderful community

    "

    - Ronnie and Lizz Kascel

  • "They went that one extra step to make sure the home was ready for immediate occupation."

    - Terrance and Patricia Himes

  • "Grand View is a clean, well-kept and safe community"

    - John and Doris Zahn

  • "We have received high quality and friendly service from Hames' sales and service departments."

    - Dave and Irene Falkner

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    - Sherron and Dewayne Watkins

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    - Kim Hulshizer

  • "I love living at West Park, the Managers are wonderful, always kind and congenial."

    - LaDonna Engle

  • "The community manager is always available and willing to help in emergencies."

    - Agnes Whitlow

  • "We have been so very pleased with Hames and the services we received."

    - Charles, Barb, Justin and Shaelyn Sandersfeld

  • "We are also very happy with the purchase and setting up of our home."

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    - Mary E. King

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    - Vearl and Dolores Benskin

  • "What impressed us most was the prompt service "

    - Vearl and Dolores Benskin

  • "Managers are caring and do enforce the easy-to-live-with rules, which creates trouble-free living."

    - Sherron and Dewayne Watkins

  • "We looked inside and my heart told me this is the one, and we got to buy it."

    - Sandra and Robert Ohlhauser

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    - Evan and Norma Watkinson

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    - Deanna Dement

  • "One of the best decisions we made in our life was to buy a new mobile home from Hames."

    - Mary Croff and Kenny Selker

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    - Wendy Oge

  • "Enjoy all the friendly neighbors

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    - Janet Kline

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    - Mary E. King

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    - Emory and Frankie Sample

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    - Clarence and Marjorie Salisbury

  • "Thanks to Hames for making it all possible for us!"

    - Chris and Mikki Balmer

  • "Hope I can stay the rest of my life"

    - Betty Aegerter

  • "I have liked living in the village because of the spacious lots. "

    - Genevieve Angersola

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    - Josh Ballard

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    - Dave and Mary Jayne

  • "Thanks to Hames for their patience, courtesy, advice and efforts."

    - Jack and Lois Livingston

  • "We were indeed impressed with our dealings with the Hames staff."

    - Clarence and Marjorie Salisbury

  • "Loving our home"

    - Rick and Teri Cronbaugh

  • "We have a beautiful home that we will be sure to enjoy in the years to come."

    - Matt Lick and Jessica Church

  • "This is the first home that I have ever owned and I am so proud."

    - William P Manos

  • "Hames is truly a "family " company"

    - Steve and Deb Tyer