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).  

 

 

  • "It's always been a pleasant place to live..."

    - Denny Burrier

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

    - Chris and Mikki Balmer

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

    - Greg, Brenda and Jade Rawson

  • "Hames made me feel like an important customer and I LOVE my new home!"

    - Wendy Oge

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

    - Genevieve Angersola

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

    - Betty Aegerter

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

    - Sherron and Dewayne Watkins

  • "We have safe places for kids to play"

    - Mary E. King

  • "This is the best business I have ever worked with"

    - Josh Ballard

  • "We are happy to be living in Grand View. Its such a nice quite place to live."

    - Ron and Jan Schuster

  • "Hames is truly a "family " company"

    - Steve and Deb Tyer

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

    - Bill and Kitty Johnson

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

    - William P Manos

  • "We moved to West Park Village in 1995, and have really enjoyed living here."

    - Dave and Mary Jayne

  • "Hames treated us fair and square and we were more than satisfied with the deal they offered us."

    - Vearl and Dolores Benskin

  • "I like living in Summit View Village because it is very much like a small town."

    - Mary E. King

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

    - Jim Blad

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

    - Mary Croff and Kenny Selker

  • "Neighbors are friendly and so helpful."

    - Mary Craff and Kenny Silker

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

    - Lisa J. Potts

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

    - Lisa J. Potts

  • "It was very pleasant conducting business with a professional company and individual."

    - Deanna Dement

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

    - Terrance and Patricia Himes

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

    - Emory and Frankie Sample

  • "I am pleased to live in West Branch Mobile Home Village."

    - Evan and Norma Watkinson

  • "Hames has such a great staff! They put so much time in helping us."

    - Kim Hulshizer

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

    - Bob and Jean Wild

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

    - Elizabeth Etten

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

    - Charles, Barb, Justin and Shaelyn Sandersfeld

  • "We are very grateful to the Hames family for making our life happier in our golden years."

    - Emory and Frankie Sample

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

    - Terrance and Patricia Himes

  • "Cleanliness of the homes "

    - Mary Craff and Kenny Silker

  • "All in all, we have never dealt with more considerate people than those in the Hames Iowa City office."

    - Clarence and Marjorie Salisbury

  • "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

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

    - John and Doris Zahn

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

    - Doug and Julie Morgan

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

    - Genevieve Angersola

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

    - Sandra and Robert Ohlhauser

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

    - LaDonna Engle

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

    "

    - Ronnie and Lizz Kascel

  • "Their friendliness is always welcomed "

    - Jack and Lois Livingston

  • "Hames tireless efforts to provide an option"

    - Clarice Fuller

  • "We feel so safe in very pleasant surroundings."

    - Sherron and Dewayne Watkins

  • "Enjoy all the friendly neighbors

    "

    - Janet Kline

  • "I am pleased with my selection."

    - Deborah Schmitz

  • "We owe a great deal to the spirit of the Hames family and their ideals and vision for the future of families desiring home ownership."

    - Clarice Fuller

  • "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

  • "What impressed us most was the prompt service "

    - Vearl and Dolores Benskin

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

    - Agnes Whitlow

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

    - Dave and Irene Falkner

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

    "

    - Bob and Cindy Merkel

  • "I'll recommend "Hames" very highly whenever the opportunity arises!"

    - Leann Cannon