Financing and Site Work

There are only a few first steps necessary to prepare you for the purchase and installation of your new dream home. First, you need to locate a lot. You can do this in several ways. If you are purchasing a manufactured home, you can rent an existing vacant lot, or if you wish to own your own lot, you can work with a licensed agent to purchase a land lot. The next step is to line up the financing you need. Once you are approved for financing, you can purchase the home. The site you choose must be zoned for installation of a manufactured or single family home and designated by zoning as residential. Each locality has additional zoning laws that discuss setbacks, garages, and other improvements such as installation of fencing. You also want to make sure that the lot you purchase is not on a designated New York State DEC wetland. Finally, you want to inquire as to whether the lot has water, sewer, gas electric, and internet cable connections available at the road front. Even if the lot you pick does not have electric, water, sewer or gas, you can contract to install a propane generator and solar, dig a well for water supply, install a septic system to manage black and brown water discharge, and have a propane tank and connection made by a propane delivery company. Below is a list of your Affiliates and Associates that can assist you in completing this site work.

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Professionals We Have Worked With in The Past

Our Affiliates and Associates are professionals that we have worked with in the past that can assist with purchase, planning, and site work. You want to hire a professional that is a craftsman in their profession and adequately insured. Below is just a list of potential contractors that we have worked with in the past. There are numerous other qualified professionals you can work with. The choice is yours, just make sure they have liability, workers compensation and disability insurance.

Financing

Some customers have savings sufficient to pay cash for their home purchase. For those that need financing, you will need to apply and get pre-approved for a construction loan. We suggest three companies on a regular basis that offer construction loans for the purchase of your manufactured or modular home. We have worked with dozens of lenders in the area. The lender must offer a "construction" loan for modular homes or a "chattel" loan for manufactured homes.

21st Mortgage Corporation

https://www.americu.org/personal/mortgages/#mortgage-executives

MHD Empire Service Corporation

Offering manufactured home loans and their low interest loan rates are designed to your specific home financing needs. Their friendly staff and convenient online application take out all the guesswork in applying for a loan and they have access to quality lenders and rates that help save you both time and money when going through the loan process.

Real Estate

Generally, you will need to locate land for purchase, and an attorney to handle the closing on your land. Athari & Associates, LLC is a full service law firm and handles Dave's Quality Homes legal needs. In addition, the principal of Athari & Associates, LLC, Mr. Athari, is a licensed New York State Broker. If you need to locate land for purchase, or for an attorney to handle the closing on your land, Mr. Athari can help you choose and represent you in the purchase of your lot, obtain a title policy, and guide you through any potential regulatory requirements. Mr. Athari is a member of the Mohawk Valley Association of Realtors (MVAR) and Multiple Listing Service (MLS).

Tree Service and lot clearing

Once you purchase your lot, you need to clear it for the installation of services, a foundation, roads, and finally the installation of the home. We have worked with Greater Heights Tree Care and they are fully insured with liability, workers compensation and disability insurance and they are ready to handle all your tree removal and lot site clearing needs.

Municipal Water Sewer and Septic

Once your lot is clear, you need to confirm whether you have water, sewer, gas and electric connections to your home site. We have worked with Bob Lynn and Son Septic Sewer and Drain Services and they are fully insured with liability, workers compensation and disability insurance and can handle all your water, sewer, and septic needs.

Well Drilling

Once your lot is clear, if you do not have municipal water available at the road, you will need to drill a well. We have worked with Amber Water Pros and they are fully insured with liability, workers compensation and disability insurance and they are ready to handle all your well drilling needs.

Gas and Electric

Gas and electric is dependent on your local power company and if you do not have gas available at the road, you can contract with any of a number of propane companies to have them install a tank and deliver propane to your home.

Foundations and Basements

The final step once your lot is clear, is the installation of a foundation. We have worked with Montroy Development, LLC and SBC Excavation and Concrete and these providers are fully insured with liability, workers compensation and disability insurance and they are ready to handle all your foundation and masonry needs.

These are just a few of the contractors we work with and we can work with the contractor of your choice as long as they have proper liability insurance, workers compensation coverage and disability insurance. Give us a call, or use the contact us page. We will gladly take you through the process and there are no fees or charges for our consultation with our experienced staff. Whether you are building your dream home, thinking about building on a waterfront lot, or if you are a manufactured housing park owner or subdivision developer, we can meet your needs and provide you with a great experience throughout your home buying experience.