All about eaves, roof pitch and roof load

All about eaves, roof pitch and roof load SOURCE: http://greenottersmanufacturedhomereviews.blogspot.com/2011/12/all-about-eaves-roof-pitch-and-roof.html   EAVES The lack of eaves and a shallow (not steep) roof pitch are often design features that distinguish a manufactured home from a conventional home. An eave is the portion of the roof that overhangs the outside walls of a house. The soffit is the underside of the eave and by measuring its width you can tell how much of an overhang you have. In...

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Preventing Window Condensation

Like it or not, winter is here. With subzero conditions (especially a sudden drop in temperature) it is not uncommon to have condensation on your windows. This is mainly due to humidity levels in your home. If your home is new, it will take a heating season or two to remove excess humidity that is involved with building a home – paint, drywall, wet lumber, etc. – and your humidity will be a lot higher...

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Mobile Home Myths

Mobile Home Myth Busting The following short videos address these three important questions... Are Manufactured Homes Safe? Are Manufactured Homes Well Built? Are Manufactured Homes A Good Value? In the first video, a couple is looking at the option to buy versus rent with a growing family, and they present a question about the safety of manufactured homes. Facts are provided regarding the adherence to U.S. Housing and Urban Development (HUD) regulated federal standards, including...

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to-rent-a-mobile-home-or-to-own

Owning vs Renting

When customers approach us about buying a new home, they are often not confident in the value a new mobile home will bring you. While a house payment may seem like a lot, when compared to paying rent for the rest of your life, it's not! Rent vs Own Calculator The difference is that while renting, you are not building any kind of equity. Yes, it may be cheaper than a house payment, however, you...

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Meet Your Staff

We are a family owned and run business operating out of Northern Indiana. Since we serve customers nationwide, we occasionally never get to meet in person. This page is here to help you identify with who you're working with. [caption id="attachment_2543" align="aligncenter" width="300"] Paul Comino - Founder of Home Nation[/caption] Paul immigrated to the US when he was just 23 years old with two suitcases and $900 in his pocket. Having no family or connections, Paul...

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Typical Road Damage

When you transport something as large as a mobile or modular home, road damage is simply a fact of life. As your home travels down the road, the movement of the truck will inevitably cause cracks to appear throughout the drywall in your house. Do not panic! This is completely normal. When a contractor comes with some putty and paint to cover these cracks, that's called "finishing" the home. This cost is usually included in...

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What is an FHA Mortgage?

To understand some of the oddities of FHA it’s important to understand that FHA does not lend money. That’s the lender’s job. The Federal Housing Administration (FHA) is a branch of the Department of Housing and Urban Development that provides a form of foreclosure insurance to the lender. This insurance compensates the lender for losses suffered in the event of a foreclosure or loan default. This means that there are two players involved in an FHA loan...

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How to Budget for your new home

Over the years we have seen many customers exhaust all of their funds to purchase new homes. Then the time to move comes and they end up having to borrow money to move from relatives or credit cards.  I’ve also heard months later that other expenses ended up going up more than the customer planned and that ended up straining their already fragile budget.  Most times these costs are not one big thing but a...

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How does Credit Scoring work?

Credit Scoring is a means of evaluating an individual’s credit using a very sophisticated scoring process. It was developed as part of a project involving two companies, TRW (now called Experian) and Fair, Isaac and Company (FICO). Their goal was to establish a system that would predict delinquency rates on loans. It’s important to understand that a credit score is designed to predict the likelihood of an individual falling 90 days delinquent on any account within...

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Documents needed for a Loan

Documents Needed for All Loan Applications Copy of completed loan application Valid Social Security Number or Tax Identification Number Copy of most recent pay stub or income statements (cover 30 days) Copy of your last 2 years W-2’s & 1099’s if applicable Copy of your most recent completed federal tax returns, for the past two consecutive years, with all schedules (business returns if applicable) (most recent 2 months checking and saving) Copy of your most...

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All about Home Appraisals

A mortgage is a loan that uses real property (a house or condominium) as collateral. An appraisal is the document used by lenders to evaluate the collateral of a loan and educate the lender about the property. Appraisers are responsible for informing the lender about the structure of the home, the neighborhood, home prices in the area and what the subject property is worth compared to other similar homes in the area. An appraisal can...

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Closing Costs on a Loan

Closing costs are those charges assessed by the lender, title company, municipality, or real estate company at the time of closing to pay for the services needed to close the loan. These charges, while quoted by the lender, are not all assessed or determined by the lender. A competent lender should be very familiar with those charges a borrower should expect to encounter at closing. One of the biggest drawbacks to utilizing an out of state or web-based lender is...

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Cost of a Prepaid Loan

One group of costs that you will need to come up with at your loan closing is termed “prepaids”. Prepaids are those items that are considered part of the loan’s recurring costs. There are four prepaids that you will find at most closings. The first is the prepaid interest... in which you make an interest only payment for the days remaining in the month of closing. Most mortgage payments are due on the first day of the month for...

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The Home Nation Story

Hi. My name is Paul, founder of Home Nation. I was born the eldest of six to a son of a Greek immigrant to Australia.  I came here in 1984 from there with just two suitcases and $900 in my pocket.  One suitcase was full of study books. (Today those same books are mostly on my smart phone) I came to visit a church and study the Bible for a season.  During that time, I...

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Factory Direct vs Stick Built

Here is how we save you money! This is a building cost calculator for residential homes that is fairly accurate. We suggest you use it to understand costs for a typical site built (stick built) home. It quickly becomes obvious how much you will save with a Modular or Mobile Home. (this is just for the home, no driveways, wells, septic, etc.) Online Cost Calculator There are a few things you'll want to keep in mind......

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Quoted Transport vs Actual Transport

Here is a great example of why we cannot give you exact quotes on the transportation of your mobile home, only estimates. As you can see, what was originally to be an 80 mile trip doubled into a 160 mile trip due to construction and delays. If this home was a double wide, you would especially be feeling the effect of this. Our consulting package takes care of all of this for you. We will...

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Zone Maps

Different mobile home manufacturers have different standards for their homes. For example, the majoriy of manufacturers will not build homes to withstand a Zone 3 Wind Zone Rating. Because of this, it is important that you use these maps to make sure your home complies with local wind, heat, and snow load zones. [caption id="attachment_101" align="aligncenter" width="640"] Wind Zone Map[/caption] [caption id="attachment_103" align="aligncenter" width="400"] Snowload Zone Map[/caption] [caption id="attachment_102" align="aligncenter" width="400"] Thermal Zone Map[/caption]  

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Home Installation

Modular Home being set with a crane on a half basement. The following are examples of common foundations for various single wides, double wides, and modular homes. There are several types of foundations, including but not limited to... Crawl Space Piers Runners Cement Slab Basement Your foundation is essential to the proper balance and longevity of your mobile home. A well built foundation can prevent moisture build up, flex in the home, and sagging. Costs...

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Mobile vs Modular

While the terms “modular home” and “manufactured home” refer to two very different things, they are sometimes used interchangeably. Perhaps some of this confusion stems from the fact that modular homes are, in fact, manufactured (“manufactured” might be an unfortunate label.) Also, traditional “site-built” homes are not necessarily better than modular homes, despite the stigma associated with their assembly-line origin. There have been cases where Realtors and builders of manufactured homes have misrepresented manufactured homes...

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Step by Step

Thank you for looking at our beautiful selection of homes. Purchasing a new mobile or modular home used to be a long, drawn out process, however, we make it simple. Our homes are built to the highest standards in the industry and we GUARANTEE the best prices! The process is simple, here is what to expect. 1. CHOOSE YOUR HOME Select a print from the hundreds we have available in every configuration. Once you know what...

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