There are a lot of great states to live in, but Georgia is top of the list. Best of all, it is affordable to get a mobile home in Georgia.
Securing Financing for Buying a Mobile Home in Georgia
Before you can buy a mobile home, you’ll need to secure financing. There are several lenders that can help finance your mobile home. Many offer different loan options, from FHA-backed loans to conventional loans, to help you purchase a home.
At Home Nation, we understand the challenge of secure lending for your mobile home. That’s why we offer several affordable financing options to help people find housing to fit their family’s needs. We have several loans, including conventional, to help you finance your mobile home in Georgia. Fill out our form to find out if you’re eligible.
What is the Minimum Credit Score You Need to Buy a Mobile Home in Georgia?
Most mobile home loans will want a minimum credit score of 580 to 620 when buying a mobile home. If you are a first-time homebuyer, it may require a higher score. Putting down a larger down payment can offset a lower credit score.
When is the Most Ideal Time to Buy a Mobile Home in Georgia?
In Georgia, the best time to buy a mobile home is in the early spring. April has 20% more homes on the market than at other times of the year, so pricing is more competitive and in the buyer’s favor.
November is the worst time to buy because inventory is limited, and pricing tends to spike during this month. To offset these price spikes, lenders will offer more favorable interest rates for loans during December. The better rate will usually incentive buyers in bad market conditions.
So you may want to research to determine if it is better to get a lower financing rate than the overall price. At Home Nation, we offer an extensive inventory of high-quality Georgia mobile homes that are new and pre-owned at competitive pricing.
Are Mobile Homes Allowed on My Georgia Property?
Yes, you can have a mobile home on your Georgia property, but Georgia has a few rules you need to know. Most counties require a building permit for your mobile home, and the home must comply with the HUD code. Some counties only allow single-wide mobile homes on agricultural land.
Because each county can vary on its mobile home restrictions, it’s critical to research and learn your county rules before you buy a mobile home. Most counties may require septic permits, proof of water service, and driveway permits before you can apply for a building permit for the mobile home to be on your land.
The county will also need to conduct an inspection of the mobile home to verify that it meets HUD codes and regulations for safety and habitable conditions. Once you’ve obtained all permits and completed the inspections, you should receive a permit to place the home on your land.
Want to buy a high-quality mobile home in Georgia? Contact us to learn more about our new or pre-owned mobile homes.
Statistics for Mobile Homes in Georgia
According to Zillow, the average for decent land in the Peach State is about $2,500 per acre. This would be land with some clearing and space for a mobile home while being surrounded by beautiful trees and the Peach State's lush scenery.
We went to one of the top resources for statistics regarding mobile home living, Mobile Home Village. According to their reports, here are some facts about mobile home living in Georgia:
Average annualized price of a pre-owned home: $49,300
Average annualized model year of a pre-owned home: 2008
Average annualized pre-owned home size in square feet: 1270
Average year a community was developed: 1992
Number of all-age communities: 391
Things to Know When Buying a Mobile Home in Georgia
Purchasing Your Mobile Home
The first step when looking to buy a mobile home is to contact the right dealer. The right dealer will help you with your budget, planning, and costs of purchasing a mobile home in Georgia.
Once you have a budget, you can plan where you want to live and if that is in a community or buying the land you wish to put the mobile home on. However, some counties and cities have zoning restrictions, and some localities even prohibit mobile homes. If you are considering the community route, you will want to make sure they do not have any restrictions.
These are significant steps in the mobile home owning process, but Home Nation makes it easy for you by taking the hassle out of it. We call this the "Loan, Home, Budget, & Build" process, and it guarantees you the best price anywhere for a factory-built home installed on your lot.
Setting Up Your Mobile Home in Georgia
The dealer typically has a staff team that handles all the necessary paperwork and requirements for transporting and installing a new mobile home.
A permit is required by the Fire Marshal for each new or pre-owned manufactured home installed in Georgia. This permit is purchased from the Insurance and Safety Fire Commissioner’s Office and cost $60 for each manufactured or mobile home installed.
Upon installation, each mobile home must have one of these permits attached to the manufactured home and be available for any inspector upon request.
Obtaining A Title for Your Mobile Home
All mobile homes in Georgia are titled through the Georgia DMV (Department of Motor Vehicles). For the title to be approved, the following items are required:
Completed Form MV-1 Tag and Title Application.
If it is a double-wide or triple-wide mobile home:
There is a separate title or manufacturer's certificate of origin issued for each unit. Suppose the manufacturer elects to issue only one statement of origin reflecting the 'A' and the 'B' side of the identification number. In that case, only one certificate of title will be issued.
The original valid title or manufacturer's certificate of origin properly assigned to the owner using their full legal representation for each unit of the home when more than one manufacturer's title or statement of origin has been issued for the home.
Fees – Contact the County Tag Office for accepted payment methods. The costs are as follows:
There is an $18 title application fee when the vehicle requires a title. The application is made within 30 days of the date purchased, or the ownership is transferred.
Suppose the purchase date, transfer date on the title, or manufacturer's state of origin is altered. In that case, a penalty fee of $10 will be due.
If a title is not applied for within 30 days of the purchase date, there will be a title penalty fee of $10.
Any penalty fees due for late application for title or late registration renewal.
Turning Your Mobile Home into Real Property
In Georgia, a mobile home (or manufactured home) is classified as personal property in the eyes of the law. For this reason, you would need to have your property changed to real property, which is defined as "fixed property, principally land and buildings."
To transfer your mobile home to a permanent location, you will need to have your property classified as real property. There is a fee of $18, and will need to have the title and the following information:
The full legal name and address of the owner of the mobile home. The owner must also be the debtor on the security interest or lean perfected against the certificate of title.
The address and name of the person who a certified copy of the Certificate of Permanent Location will be sent to by the Clerk of Superior Court when the document has been filed in the office.
The mailing address and full legal names of the holders of any unsatisfied security interests or liens against the home.
The legal description of the land and full legal names of the owner of the land where the home is affixed, including the deed book number, page number, and the county in which the document is recorded.
Once the required documents and form (for Mobile – Manufactured Home Certificate of Permanent Location) have been approved, the county tag office will forward the information. The original title to the DMV and the old title will be canceled.
Mobile Home Living in Georgia
When it comes to living in Georgia, a manufactured home is an excellent option for those who would like to save when compared to setting up a traditional home.
Home Nation takes pride in always being transparent and gives you the power to oversee your own project. We are a family-run business that takes the headache out of the home-buying process.
For a hassle-free experience, give us a call today at 1-877-50-HOMES or check out our inventory to find your dream home.