Sand Mountain Mobile Homes LLC - Home Buying Process

1) Homes with Sand Mountain Mobile Home LLC

The American dream is for everyone in America to own their own home. There are many things to consider in the beginning as to

Where are we going to live?

Home we are looking to purchase?

Where are we going to get our financing?

Sand Mountain wants to offer you the best homes by both Champion Homes & Cavco Homes. These homes both offer there own unique styles, quality and most of all great value. To help our customers make the biggest decision of their lives we have put together all the important information needed to make the best informed decision.

2 | BUYING a Home

Sand Mountain Mobile Home LLC offers three types of financing when buying your home. We offer Convectional, FHA and Specialty Loans. Chattel loans which are just home with no land are also available.

Below are links to loan all the loan programs.

Financing a mobile or modular home is different from a traditional mortgage — and we're here to help you understand your options.

Financing Options We Offer/Work With:

Chattel loans (for mobile homes not attached to land)
Land-home financing packages
FHA/VA loan options (if applicable)
In-house financing (Case by Case... Up to Management

What You'll Need:

Proof of income (W2, Sef-Employment)
Credit check (we work with a range of credit situations)
[Down payment amount/range]

Not sure where to start? [Contact us] for a no-pressure conversation about what financing might work for you.

Disclaimer: Financing options and terms vary by lender and buyer qualifications. Contact us for current rates and terms.

https://www.21stmortgage.com/web/payment-estimator.nsf/q1.html

With a conventional mortgage, the home is financed and purchased as real property just like a conventional site built home, which means that the home and the land are bought and/or financed together. There will be a deed with a conventional loan. These home loans are offered at competitive rates, so it pays to shop around for the best deal. Land/home packages can often qualify for this kind of financing.

Similar to a car loan, chattel mortgages are personal property loans. They are used when only the home is financed. Unlike a conventional mortgage, there will be a title instead of a deed. If you are buying a home that will be on leased property, a chattel mortgage may be the only financing available. This type of financing is common in planned communities, where the home buyer leases the lot.

3 | LOCATING Land for your home

Sand Mountain Mobile Home, LLC partners with the best local realtors & home sellers in your market. We and they will help you find the perfect location and parcel of land for your new home. Whether you’re buying or leasing land, you’ll need to consider the size of the lot, zoning & permits needed and if the neighborhood has amenities to offer. Now that you found your home and location the real work begins

4 | PREPARING For Move-in

Once you've located the ideal piece of property for your new home, it's time to prepare the site and plan your move-in.

Site Preparation

We use Sand Mountain Excavation for all site preperation, driveway acess, Septic installs, and basements.

Placement of the home on the property - Will the site accommodate the home size selected?
Access to the site - Homes are delivered on heavy, oversized trucks, so road access is important.
Zoning, permits, development fees - Are there any regulations that would keep you from installing your home?
Utility location - Is there access to gas, electricity, water, sewer or space for a septic system, and all other utilities you need?
Preparing the site - The land needs to be cleared, graded, and made ready to accommodate your new home.

Installation

Once your home is delivered, Sand Mountain Excavation will connect your utilities, and arrange for any required inspections. The correct installation of your home is critical. Here's where working with a reputable home professional and experienced contractors really pays off. The final steps will vary by home model and the location where the home is installed. Unlike a site-built home, installation typically only takes a few weeks rather than months.

As part of the process, coordination with our vendors will be scheduled to install accessories such as awnings, porches, and other out buildings.

Cleaning

When the installation work is done, your home will be thoroughly vacuumed, dusted, and any construction debris removed.

Home Inspection

Once you have closed the funding on your new home, it's time for final inspection. This is your opportunity to make sure that everything has been done right. Get organized and use a punch checklist so you cover everything.

While you're conducting your own detailed inspection, Sand Mountain will do its own inspection before we leave.

Alabama requires a final inspection. which will be done by Alabama Manufactured Commission. You benefit from these inspections and they ensure all local codes are met, which can prevent expensive problems down the road.