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Old 12-24-2013, 05:35 PM
 
Location: I'm not lost, I'm exploring!
3,401 posts, read 13,368,636 times
Reputation: 5774

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Hey all.

I've been blindly googling, and not getting anywhere. I figured I would give you guys a try. I'm looking into a loan. The loan will go towards a pre-fabricated tiny home that they will deliver and set up on my lot. I have the lister, the property details, and a major question.

I don't get any further than that, because either I'm not asking the right question, or I don't know how to phrase what I'm looking for. But a pre-fab home follows the same rules that a modular home, or trailer would. It has to sit on a lot. They make community lots, with water and electric hookups? And you pay a monthly land tax, or some such? What if I didn't want to be on a lot? Some people talk about campgrounds, too?
Is there a specific forum, or sub forum that has people doing this too, that can come out of the woodwork for a moment?

Any help would be greatly appreciated in debunking this bit. I'm by myself in this adventure, and could use it!
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Old 12-24-2013, 05:42 PM
 
Location: Los Angeles>Little Rock>Houston>Little Rock
6,489 posts, read 8,808,426 times
Reputation: 17514
I don't have any advice to offer, but those tiny homes sure are cute. Good luck!
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Old 12-25-2013, 07:15 AM
 
Location: Columbia SC
14,246 posts, read 14,720,946 times
Reputation: 22174
Mary

A home needs electric, water, sewage. Unless you buy land and run those utilities in then you would need to rent a spot that has them installed. Typically this spot rental would be in a mobile home park assuming they will allow your type home in. Some camp grounds have year round spaces you can rent.

You are renting the space your home sits on. You do not own the land. I do not know how the utilities (electric, water, sewage) are paid for.

I say start looking at mobile home parks and/or campgrounds before making any purchases.

Hope this helps.
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Old 12-25-2013, 07:27 AM
 
28,455 posts, read 85,332,804 times
Reputation: 18728
Start here -- How to Find Small Home Loans of Under $50K: Try These Websites

For larger modular home this is good info -- Financing Modular Housing - MBSAwiki
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Old 12-25-2013, 11:33 AM
 
5,048 posts, read 9,614,434 times
Reputation: 4181
The people you're buying the tiny home from are no help?

Sometimes it's in the wording on google search. I just tried financing the tiny home. "The" may be a good thing as it indicates an actual thing, not just small home.

I have often looked at tiny homes but haven't put one up. Anyway, here are a few ideas to start:

http://www.tumbleweedhouses.com/pages/financing

http://tinyhousetalk.com/introducing-tiny-house-loans/

http://seattletinyhomes.com/faqs/
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Old 12-25-2013, 03:33 PM
 
Location: Amelia Island/Rhode Island
5,130 posts, read 6,123,485 times
Reputation: 6311
Had a freind who had one of these "park models" in an RV park.......never took it off the wheels. They are really neat.....I could see myself in one by myself. I have seen these in Truckee, Ca and here in Florida in parks setup for them.

Park Models, Park Model Trailers, Park Homes for Sale $21,900
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