How to finance and build a manufactured home?

My husband and I are considering this and we have no idea where to start. Can someone share the process -- do we have to get a bank loan first, then find land ourselves, then choose the home, or what? And can anyone recommend a builder? We're looking to build in or around Levittown, PA.

Please help!

Get pre-apprioved first so as not to waste anyones time. Hamlin Mortgage specializes in manufactured houses and does business in 48 states. Fill out the free evaluation form at

www.totaldebtsolutionsllc.com

and they will have a Hamlin loan officer contact you. Good luck.

I'm assuming you mean modular. Once you find the land that you like, check with your local planning board and zoning board to insure that the covenants will allow it. Then you'll know what the next set of guidelines will be.

You may get an ida about finance from

http://homeloans.atspace.com

Land Survey...What are they for exactly?

I made an offer on a house yesterday and my Realtor said that the house is owned by a bank and as a part of what they want is a land survey done. The entire back yard is fenced in, so why do they insist on a land survey being done? What is the purpose of a land survey?

I work as a saleman for a national land surveying company in Ohio so I can tell you that a residential mortgage location survey is probably all your lender will require. If that is the case all states prices can vary. In Ohio a mortgage location survey generally costs $125. I think in Pa. the normal price is around $200 to $300. I doubt you will need anything other that this to satisfy your lender. If you end up needing a boundary survey done you could spend anywhere from $300 to $500. What state are you located? This will make a big difference in pricing. Ask you lender what type of survey they require and then call around for quotes. You will find most surveyors will be in the same price range for a mortgage location survey. The boundary survey prices will vary based on how busy each survey is. Keep in mind that not all surveyors do residential surveys.

A surveyor will establish that the land you are buying is the land you describe and, in your case, if the property extends to the boundary or beyond. After all you don't want to buy the place next door, do you?

A land survey is basically to see where the boundaries are. They are written in the deed but usually difficult to understand. I bought 16 acres and the deed states the property goes from this certain tree to a tree with two trunks and stuff like that. I have no idea where they started to say how many feet to the next marker. A surveyor will come out and be able to see exactly where your boundaries are. It could be to your benefit because the fence might not be on the property line. It also keeps neighbors from encroaching on your land. I really don't know how much surveys cost though.

A survey shows boundaries and easements on the property. A survey is required anytime you buy/sell/refinance or add a pool or make any changes to the property, i.e. additions and such.

Lenders and title insurance companies require a survey before they will get involved with the deal. And a smart buyer will too!

A land survey is required to plot out exactly what is being purchased as well as to see that any structures comply with the zoning laws and regulations for offset and setback and to ensure that you are not encroaching upon another person's property.

Encroachment can be a major issue when purchasing property. Among other things, you may discover that that fencing is on your neighbor's property, not yours. That would be an annoyance at most. But think of what you'd have to deal with if the HOUSE encroached on the neighbor's land! This HAS happened, by the way! Most of the time it's an apparently needless formality and expense, but if it reveals something significant you'll be VERY happy that it was all done by the book.

to make sure you are getting what you payed for,,exact measurements for property...to make sure you and your neighbour are free from saying i own this much and you own that much,,,if we ever get like china it'll ,matter///lol

Has anyone else ever seen a pike jump onto bank with a fish in its mouth?

I was fishing for trout a small loch last week and a baby pike jumped out of the water, caught a baby trout in it mouth then sort of danced across the water while struggling with fish in mouth and then landed on the stones i was fishing off.

Only after landing on bank, did it drop the trout.

So i put the trout back and killed the pike

(its even part of your permit to kill all coarse fish as they shouldn't be here)

It was really like something you would see in a cartoon.

Would have been a pike anglers perfect day, I hadn't even set my rod up and i had 1 and a large fry, lol

Or has anyone even seen one take a mouse or something from a tree?

Cool!

No, I've never seen anything that unique. I guess the pike was trying to get a good bite on the trout and sort of forgot or miscalculated where the bank was?

I have seen tiger muskie (cross between pike and muskie) going after perch and young bass and it's an awesome sight. While fishing over a big weed bed I once saw perch skittering high in the water over the top of the weeds. A split second later the tiger muskie would launch after them like a torpedo. A few times the tiger muskie would get the perch while it was out of the water or nearly so.

I have seen brown trout go after mice. Well, I should say I've never seen a trout take a REAL mouse, but here in the western U.S. we use mouse patterns made from spun deer hair. We work them in cattails and grass in the shallows along stream banks, just before or after sundown in the summer. You can swim them or just let them float -- surprising that big fish seem to be waiting for them. When you're fishing with a mouse pattern, if you hook a fish, it will be at least 16 inches. I was skeptical when I first heard about it -- just a fairytail told by flyshop owners so you'll buy their $2.50 mouse flies, but it works. Legend around here has it that the originator of the mouse pattern got the idea when he hooked a big trout and saw a mouse crammed into the fish's gullet. With a little practice the flies are not that hard to tie yourself.

http://www.discountflies.com/mm5/images/full_size/deer_hair_mouse.jpg

I've seen bass take frogs from the surface in VERY shallow water (mud really) and my grandpa used to swear up and down that largemouth bass would pick off small birds from the reeds in Lake Havasu, Arizona. Never saw that happen, but I believe someone back in the 1980s made lures that looked like small birds.

ive seen a pike pull a young lamb in the water when i was fishing at a local canal i coudnt beleave my eyes

Nope and if I ever saw a Pike jump out of the water and land on the bank it would probably scare me so bad I would have to go home and change my shorts. In this crazy world of man and animal I am not surprised this would happen.

I have seen a pike leap out of the water with a 5 or 6 inch rainbow struggling in it's mouth. Also, there is a lake in our community with extremely shallow water near the shores like consistently 1 foot deep and a dropoff that takes the water to maybe 10 feet. Anyways, lots of shad in the foot deep water. i've seen bass grab shad, land on the sand and flop back in.

thats crazy. One time i was fishing on a bank and a BIG lizard (4-5" and FAT)was on a low branch and a bass was sitting directly below it waiting. a bird landed on the branch an the lizard fell. the bass caught it before it hit the water.. i was amazed. there are videos on youtube of a bass eating a live chimpmunk . it wasnt even a big bass

Is there a bank in America that uses the EURO for CDs?

In the Chicago land area specifically?

Check out Everbank.com for several foreign currency CD options with FDIC insurance. There are other banks as well.

Nope. It's illegal. That's why places like London and Zurich are gaining financial leadership from the US. In many other countries, you can have an account in any currency that you and the bank can agree on, but we're stuck with outdated regulations designed to make calculations easier for the auditors. (And we all know what a lot of good that did.)

Sorry Ted, but JohnGalt is correct. Everbank rolled out foriegn currency, FDIC insured CDs last year. They are completely legal.

Through Everbank you can get a Euro CD, or a multi-currency CD.

What Happens To The Mortgages On All The Homes Destroyed In The Midwest?

I'm sure people had to have homeowner's insurance, but most had no flood insurance...sooo...If the people have lost everything and the insurance isn't going to cover their losses...then what happens to the mortgage loan that they owed? Will they go into foreclosure? Then the bank will own the land and the debris?If they do, will the banks be the next institution to fail?

The banks are left holding the bag

How many of you have had your home foreclosed or are about to and where?

Seems like people are being foreclosed on all over the country. I think it is due to adjustable rate mortgages coming to term and the job market being so poor or at least changing. Me? I got divorced then lost my job. I fought a long time to keep my home and then when I land a great job, the bank says too late.

Foreclosed Hornell, NY

subprime loans are the culprits.

This is why bankrupt helps lots of folks.....It can stop the forecloser......

Sorry for your loss. The good news is you live to fight another day! Sometimes we learn the hard lessons the best.

You may still be able to own a home. Look at buying through non-standard means, such as a lease-option purchase plan. This is a buyers market, so you can make offers contingent on the seller carrying the financing. I lot of people are in the same kind of rut you were in - so you may actually be helping someone out! Good luck and happy hunting!

Hi Colleen,

I'm really sorry for your recent hardships. There are some ways to keep you in your home and save your credit, if it isn't too late. If you want to discuss some options contact me, include a good daytime phone number.

Mike

Why did god tell Moses to take gold and silver from Egyptians in Exodus?

I was reading this and I was wondering why he told him. Is it for the bank for the Holy Land? Or for redemption for the years of bondage?

it was back pay

I think it was a reward for the Jews, for having suffered such misery, and also punishment for the Egyptians, so they would be extremely poor. In addition, the Jews were able to use some of this money to use for the counting in the desert. I can't say this part with certianty, but I also think that some of the money was used to donate to the Temple/Mishkan when it was being established.

Your second answer- The children of Israel borrowed of the Egyptians jewels of silver--When the Orientals go to their sacred festivals, they always put on their best jewels. The Israelites themselves thought they were only going three days' journey to hold a feast unto the Lord, and in these circumstances it would be easy for them to borrow what was necessary for a sacred festival. But borrow conveys a wrong meaning. The word rendered borrow signifies properly to ask, demand, require. The Israelites had been kept in great poverty, having received little or no wages. They now insisted on full remuneration for all their labor, and it was paid in light and valuable articles adapted for convenient carriage.

For the TEMPLE in the Desert.

Exodus 35 ?

All who were willing, men and women alike, came and brought gold jewelry of all kinds: brooches, earrings, rings and ornaments. They all presented their gold as a wave offering to the LORD.

Because during their exodus they built the tabernacle which recquired lots of gold and silver.

Homicide is correct.

Payment for the years of slavery.