How to Buy a New Mobile Home in North Carolina
Mobile or manufactured homes are constructed in a factory and moved to the building site or mobile home park. A wide variety of sizes and floor plans are available, and often they are priced lower than site-built homes. New mobile homes are usually purchased from a local North Carolina retail center or mobile home dealer. Each of the 100 counties in North Carolina has different ordinances and regulations regarding the construction, purchase and installation of mobile homes.
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Dealer
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Contact the Better Business Bureau or consumer agencies in the local North Carolina area to search for a reputable mobile home dealer. For a specific brand of mobile home, contact the manufacturer and obtain a list of North Carolina dealers selling the product.
Design
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Determine your desired size and features of your new mobile home. Mobile homes are usually sold with one to three bathrooms and one to five bedrooms. They are available in single wide, double wide or larger models in sizes up to 2,400 square feet. New mobile homes are custom ordered from a dealer or purchased from a mobile home sales lot. Contact the North Carolina county or city to find the building regulations for the area where your home will be located.
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Financing
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Discuss the purchase of your North Carolina mobile home with the mobile home dealer, and research the financing options available to you. Financing a mobile home often differs from financing a site-built home, and lenders may have size and design requirements. In North Carolina, most manufactured homes are sold and financed as personal property. When a mobile home is placed on a permanent foundation in North Carolina, the house and land is sold as real estate. Obtain financing or an approval for financing.
Sales Contract
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Work with your dealer to develop a thorough sales contract. The contract must follow North Carolina regulations and contain information such as the description of the home, the total cash price and how complaints are handled. In North Carolina, a mobile home may not be occupied until a Certificate of Occupancy is issued by the county where it will be located. To obtain this certificate, file a mobile home application and site plan with the county where your new mobile home will be located. You will then receive a permit for the installation of the home. After you install your home according to your North Carolina area's regulations, you will receive the Certificate of Occupancy.
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References
- Federal Trade Commission: How to Buy a Manufactured Home
- Spinal Cord Injury information Network: Affordable and Accessible Housing Options
- U.S. Department of Housing and Urban Development: Manufactured (Mobile) Homes
- Buying and Selling Mobile Homes (Manufactured Homes)
- Wake County North Carolina: Manufactured Housing Guide
- Photo Credit mobiles home 5 image by Marc Rigaud from Fotolia.com
