I'm moving over here :) Castle looking house
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9 years ago
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I'm Finally Moving to a house with a Yard!!!!!!!!!!!!!!!!
Comments (13)Hi Jay, I don't know what town houses run in your neck of the woods but we had to get out of the city because we were looking at 1000 bucks a month + utilities. In the town we are moving to we will pay 800 bucks a month + utilities. There is about 200 bucks difference in living costs between the 2 cities.that means more palms and tropicals in the long run..lol. Actually it means I will be able to afford diapers and wet wipes..LMAO jeff jeff...See MoreI'm back.... and we're moving!!
Comments (19)Yep David and dlynn, I'm looking forward to the cooler weather!! Since it's in the valley, the winters are generally pretty mild though this year was a record breaker for snow. The good thing about being retired and not having kids at home.... we can just watch the snow fall and not be worried about work, school etc!! In Louisiana today it will be 101... 102 tomorrow... and the humidity!!! We just got back from VA and while they thought it was hot it felt like spring to us!! Here's a picture of our new land and the homesite with DH Joe pretending to be a house. our back porch and deck will facing this view. Seems like we're out in the middle of nowhere, but we're a 5 minute drive from the center of town. We just got home from 5 days in VA where we brought up a load of "stuff" and put it in a storage pod. The estimate of 25K (!!!!) o move us to VA (not including our barn and outdoor things) got us so shocked that we decided to start combining our visits with bringing up a load of things in the horse trailer. We had the 3 horse section of the living quarters trailer full with things that we won't need even in a rental... extra garden tools, workshop things, outdoor decorations (birdfeeders/houses etc). It isn't a drop in the bucket, but it's a start! Grace...See MoreI'm Tired of Over Decorating for Christmas...Looking To You!
Comments (49)Another here who has both scaled down and clarified my decorating for the holidays. I realized a few years ago that 1) I don't even LIKE red and green(!) 2) living in subtropical Florida the entire classic theme of snowmen, reindeer, frosty whatever was completely irrelevant to our life 3) my passion in decorating and in life is to celebrate the natural beauty and grace of what *is* in this area, ie shells, driftwood, sand and the loveliness of what surrounds us. So...I went through my boxes of stuff collected almost at random through the years and tossed/gave away all of it. Then over the course of several post-holiday sale seasons I zeroed in on what I truly wanted. My colors for decorating are now silver and white-period. I had always done my tree (natural, thankyouverymuch, I had enough of those fakes growing up :), with tropical and nautical ornaments so that was already in place. But I switched from multicolored blinking lights-my husband used to call them my "eat at Joe's Diner" holiday lighting. Now it's clear lights that read white, along with only white/light colored ornaments, silver and glass balls and that is it. No tinsel, no green or red ornaments. Well, a very few special sentimental things like picture ornaments of my kids when they were young. But otherwise, silver, white and tropical tree. As for decorating, I several sparkly gift baskets with shells, one basket of pine cones with a pretty holiday bow on top, pillar candles with some white garlands, a basket spray painted white with glass ornaments heaped, a shell wreath at the front door and a hurricane candle with a garland on top of a silver runner on the dining room table. It's enough. As my daughter commented yesterday when I finished 'Mom, it looks so elegant and classy'. I also splurged this year on a bunch of half-price Bath and Body Works aromatherapy diffusers with holiday scents. So now in the evening I sit in my peaceful LR, watching my beautiful tree, surrounded by my serene and minimal decorating and inhaling the gentle scent of cinnamon, vanilla and balsam--yes I put in all those scents around the living area. And I love it! Ann...See MoreI'm looking into possibly buying a Manfactured home?
Comments (9)Hi there, Royce! I'm very glad you found this forum. The very first thing I would suggest is that you take the time to read the posts on this forum. Yep, all of them. I did just that last October when I agreed to buy a fixer-upper MH (manufactured home) from a friend of mine. It was like taking a course in Manufactured Homes 101. I've now read very extensively on most aspects of MHs, but that's because I'm a researcher by profession and a book nerd, haha! But even today, I consider this forum to be the best education I got on MHs, because the information comes from the best source--actual, real people who have bought and live in MHs. Just take whatever spare time you have and start reading. Most, if not all, of your questions have been discussed extensively on various threads. Second, let me congratulate you! It is really nice to see a young person planning for his future and being mature enough to save up some money. You are doing things the right way, and it will come back to reward you down the road! I'll attempt to answer your questions, and hopefully some of the other long-timers on this forum will jump in too. But don't let that dissuade you from reading the other threads on the forum! I'm sure things will come up that I haven't answered, and that you haven't even thought to ask. What are some of the best brands to deal with? (I really liked the look of the Patriot from Clayton, also the Malibu from Palm Harbor.) The best advice given on this forum is that it isn't the manufacturer, i.e. the company, rather it's the dealer, meaning the person who sells you the home. (I will say, however, that Clayton is a perennial thumbs down--folks on this forum, for the most part, don't have good things to say about them. I'd steer clear if I were you.) The dealer is so important because she or he is the person you are trusting to get your home set up correctly and to take care of any problems you may encounter during the warranty period. The dealer will make your life either easy or unbearable. You want someone with a good track record and a reputation for being honest and fair. Check with your local BBB, look on social media, etc., and ideally try to find someone to talk with who has purchased a home from him or her. And listen to your gut. If you hear any alarm bells going off, your gut is probably right! How affordable are these homes? A manufactured home can start with a base price of $25,999 and go up over $300,000. This is before you buy land. Price depends upon the size of the home and on what kind of upgrades you want, amongst other factors. Another option to consider is buying a used MH, or even a repo. There are some awesome deals to be had out there! You can sometimes find a home that isn't more than a few years old and is in very good condition being sold for pennies on the dollar. If you go that route, educate yourself so you know what to look for. See my thread on this forum, "I found a great resource!" Is it recommended to find your own lot or have them provide you with one? I'm not sure whom you mean by "them," but nobody is going to "provide you" with a lot. When considering the purchase of a manufactured home, there are several options for land to put it on. First, there is the mobile home park. While there are still plenty of the old "trailer parks" around that give a bad name to MHs, today's MHP (manufactured home park) is completely different. Many parks have lovely amenities like a clubhouse, swimming pool, sports courts, community gardens, and so forth. The clubhouse may sponsor various clubs and other community activities. Senior (55+) parks are very popular now, although I realize that wouldn't be for you. Naturally, the more amenities, the higher the lot rent. The park location may also help determine the rental price. In most parks, the owners of the MH pay lot rent that may include some utilities such as WSG (water, sewer, garbage). I pay $300 a month for lot rent, but our park has no amenities and is way out in the country. Some people pay $700 per month and more. A good park will have restrictions as to what kind of MH you may have, i.e. must not be more than 10 years old, must be a certain size and type (i.e. no 5th wheels, park models, etc.), and will be strict about renters keeping their yard nice and not having junk on the property. Increasingly, there are MHPs where the homeowners purchase their lot. My parents bought an MH in a park where everyone owned their own lots way back in 1973, when I was 13. Owning your own lot back then was unheard of, but more and more parks are going that way, at least here out west. I don't know anything about the situation in Florida. So you can find an MHP that you like and either rent the space or buy it. Or you can buy an MH that's already in a park you want to live in. That's often a good bet. If I were you, I would not find the cheapest thing available. Cheap rarely = a good deal. You want to be in a good neighborhood with nicely kept homes and yards. If you don't want to live in an MHP, you can find and buy your own piece of property, buy it, and set your MH on it. Make sure the land you are buying is zoned for MHs. You may have the added cost of bringing in sewer and water lines (or septic and well), but you have the advantage of owning land that may appreciate in years to come. You could possibly rent a piece of property for your MH, but I haven't heard much about that. Here in Washington, if an acre has three or more MHs on it, it is considered an MHP by state law. For a young person such as yourself, I think owning the land, whether in an MHP or somewhere else, is the way to go. That is just my personal opinion. The reason is appreciation. Both your home itself and the land will hopefully appreciate in value. It used to be the rule of thumb that MHs always go down in value, like driving a new car off the lot, but that isn't always the case anymore. christopher_h has written a lot about this topic on this forum. However, owning the land your MH is on is still much more likely to see good appreciation, even equal to site-built homes in your area. Remember that MH my parents bought in 1973? They sold it in 2007 for over $200,000. (Original purchase price in 73 was $69,000 for the home and the lot.) Of course, we can no longer say that real estate always appreciates no matter what, but if I were 25 instead of 56, I'd be looking for land. I've read the appliances they provide aren't really good quality appliances does anyone have any information on this? It depends. It depends upon the manufacturer, the dealer, what options/upgrades you want, and what you consider to be "good" or "not good" appliances. The house my parents bought way back in the day had Sears appliances. The only appliance they replaced was the dryer, and that was after 20+ years. They held up to two parents, four teenage kids, and the various refugees my parents took in on a regular basis. In many cases, you get what you get in the basic, standard package, but have the option to upgrade. Many people on this forum recommend not getting any appliances at all and then putting in what you really want once the home is set up. cathyyg, can you weigh in on this? Of course, if you buy used, you get what is already there. And how long any appliance lasts depends a lot upon how it is (or isn't) taken care of. As far as financing I know it depends on my overall financial situation but what are some of the best options available? Are these considered Mortgages or just standard high value loans? I hate to say this again, but...it depends. As far as financing, it is quite difficult, if not impossible, to get a standard bank mortgage loan if you do not own the land your MH will be on. This is because, in most states, an MH is not, in and of itself, considered to be "real estate," rather it is considered to be a "vehicle." My MH has a license plate on it and has a VIN number, haha! Yet, they seem to have no problem collecting property tax from me! Any loan they offered you would be a personal loan, like a really big car loan. But if you own the land your MH is on and meet certain other requirements (such as, it must be set on a foundation as opposed to on piers, etc.) then you can convert the title from a vehicle title to a real estate title. In that case, you can get a mortgage, assuming of course, that you meet the financial requirements such as credit score, income to debt ratio, and so forth. Although you didn't ask, I'd like to add that you will need homeowners insurance. The most popular company on this forum, from what I've read, is Foremost, because they are MH-friendly. And I'll end by saying that you get a lot more house for your money with an MH than for a site-built home. You can get more sq ft and nicer features for sometimes substantially less money. Again, I congratulate you for your wisdom in saving up to buy your first home. I actually bought my first (site built) home when I was 25, before you were born, haha! You are smart to be looking into MHs and finding a good deal. In this post-2008 economy there are no guarantees and the folks who saddle themselves with a huge mortgage they can barely pay might very well be sunk when the next real estate bubble bursts. Feel free to ask more questions! We are very happy to answer them and to give our two cent's worth. :-) And don't forget to read the forum! Have a wonderful day! Sincerely, Debbie...See MoreUser
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Xtal in Central TX, zone 8b