Land and Home Package - Tennessee

Middle Tennessee Land Home Package:

Charlie Taylor Housing, LLC offers professional consultation and installation of mobile and modular land and home packages for the following middle Tennessee counties:  Sumner, Macon, Trousdale, Wilson, Davidson, Rutherford, Williamson, Cheatham and Robertson.

What is a middle Tennessee mobile or modular home and land package?

It is where a manufactured home is installed on a piece of property that the customer owns, is paying for, or will be purchasing with the home.  If there are necessary land improvements they are generally added to the deal and it all is treated as one transaction.

Is there Land Home Financing?

Yes, there are specific mortgage products that involve a home land loan. Generally speaking the loan is set up very similar to a construction loan and involves a series of draws to pay for the land, the home, and any necessary improvements.  Mobile or Modular Land Home financing is a relatively new product that is not yet offered at some banks.  Some local banks are figuring out ways to make a manufactured home land loan to work for the customer, the dealer and themselves.  Modular or Mobile land home financing is the way of the furture.

We have a national lender that offers land home financing for those who have good established credit.  There are several different loan options depending on a persons
unique circumstances.  The general minimum (beacon) credit score that is acceptable is 620.  If you don't understand what a beacon score is feel free to give us a quick call and we will help you understand your credit better.

For those seeking a land home package with less than a 620 beacon score, we have a good mortgage broker who can often help.  If you are in the middle of a bankruptcy, have unpaid judgements against you, are presently overdue on your bills, or have recent repossessions you need to clean those items up and wait a while before applying for a home mortgage.

Manufactured-Modular-Mobile Home Subdivisions

Subdivisions specifically for factory built homes have been very beneficial for land home packages.  You have the ability to choose an attractive lot that you own. You also generally have light restrictions which are designed to keep the area clean.

Charlie Taylor Housing has an invested interest in a subdivision only about 5 minutes from our lot.  Being nestled amoung farmland and expensive site built houses provides the factory built homes in this subdivision an excellent resale value.

"Location - Location - Location" rules in the area of Modular Home Subdivisions as with any type of real estate.  Choose a neighborhood that you fell most comfortable
with.

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