Basics of Buying a Manufactured Home

Loan Application

If you’re not paying cash for your manufactured home (formerly called mobile homes or trailers) begin with a loan application to know which Hames home you can afford. You’ll be asked about your income, down payment, and other expenses. Apply online at www.hameshomes.com/financing or make an appointment with Curtis or Clint at (319) 377-4863 to apply in person. From there, Hames will help connect you with a lender who fits your needs.

Community Application

Hames communities are desirable places to live because they’re safe. Background checks are completed for all adults applying to live in Grand View Village and Summit View Village. There’s NO application fee.

Select Your Home

It’s time to look at model homes! Hames knowledgeable sales staff will show you available homes that match your needs and budget.

If the perfect Hames home is not available now, a special order from the manufacturer might be the answer.

Underwriter Review and Approval

Once you have chosen a manufactured or mobile home, the banker will finalize the loan. Lenders have different requirements, so additional information may be requested before the final loan approval is granted.

Closing and Community Sign-In

During closing, the final loan and titling documents are signed. The next step is to meet with the manager where your manufactured home is located — either Grand View Village or Summit View Village. The Community Manager will explain neighborhood guidelines and answer your questions.

Final Walk Through/New Homeowner Orientation

Hames sales staff will inspect the home with you and point out important equipment. They will provide maintenance recommendations like how often to change the furnace filter and when to check heat tape. You’ll be shown the location of the data plate in your home, which is an informative summary unique to each manufactured home.

You don’t have to be an expert at purchasing a manufactured home. Hames — The Homes People are the area’s specialists on beautiful manufactured homes in desirable neighborhoods. View the large selection of new and used, singlewide and doublewide manufactured homes at HamesHomes.com, or in person at 5410 Wabash St. SW, Cedar Rapids, 7 days a week