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The Pros and Cons of Buying a Manufactured Home

Buying a manufactured home can be a very affordable alternative to the purchase of a traditional home. There are things to be aware of, though, before you dive in. There are significant differences that come into play that can have long-term ramifications.

As this article explains there are three major areas of concern. The first is that you will have a lot of trouble finding a mortgage company for any mobile home that was built in 1976 or earlier. The reason why is that these manufactured homes do not have a “HUD tag”. These tags, developed by the Department of Housing and Urban Development (HUD), are a certification that the home meets safety standards for being occupied. Homes built before “HUD tags” went into effect, in 1976, are not compliant. They also cannot be made compliant through updates or modifications.

Before 1976, when the HUD rules went into effect, manufactured homes often had huge safety problems such as in the wiring and where electrical devices were placed. This led to home fires as a serious concern. One example is that ovens and stovetops were often right next to sleeping areas which would set blankets on fire.

The second issue is that the manufactured home must be permanently installed and taxed as real estate in order to qualify for a mortgage. Homes that are not on a foundation, and so are mobile, are taxed as personal property rather than real estate. No lender wants to loan money on a manufactured home only to discover that the mortgagee moved it to some undesirable place such as a rural location far from a fire department.

The third thing to be aware of is that manufactured homes are more like vehicles rather than homes in regard to their value. They depreciate over time while a conventional home tends to go up in value. When you buy a mobile home, you are basically guaranteed to lose money on it.

If you still want to know how to buy a manufactured home after seeing the negatives than this article is a good resource for the positives about buying a manufactured home. The big benefit is that they are quite a bit more affordable than a regular home and fill in the gap many areas face when it comes to affordable housing.

Manufactured homes have a bad reputation from how they were built and what they looked like in the past. Nowadays you might not even know that a home is a manufactured one as it has a foundation, porch, garage, and a pitched roof. They’re much more comfortable than in the past, much safer, and can be energy efficient.

A recent trend is tiny homes which are extremely small, efficient homes designed for a single person or couple. They are very inexpensive compared to any other type of home and can be placed on very small lots. As long as the homes are placed on a foundation than mortgage lenders won’t have any issue offering a loan on one of these.…

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Peat cutting is a way of life.

When you live on a windswept Scottish island like that of Lewis and Harris or Shetland you use whatever you can to keep warm. The use of Peat and Peat cutting is still used today even though it has a definite environmental and biological implication. Given that the alternative for residents is to freeze or eat cold food their argument is that the amount they take is nominal. Peat is cut from the land and stored to dry. Once it is dry it is then burnt. Traditionally this was on an open fire in a stone and wood Blackhouse. The smoke from the peat, whist very pungent, would coat the inside of the roof with a sticky residue that acted as a waterproof sealant. In modern times it is not uncommon to see peat being cut and used in open and closed fires in Highland and Island homes. The arrival of coal, oil burners and natural gas has mainly replaced this but with such a readily available fuel source at hand it’s not unusual to see the locals take advantage. It has been a natural fuel source for many years and is often used in open fires alongside central heating systems. It is important to keep any system up and running and if you are looking for a Gloucester Boiler Service then Click here for more information.

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Water is forced out of peat due to pressure. This makes it attractive as it can be cut from the earth and the thin grass layer removed so that a thick square wedge of peat remains. This can then be dried out and used for fuel. It was seen as a gift from the Gods to the people of the Highlands and Islands due to the sparseness of timber. Using the Isles of Lewis as an example, Trees, even hardy Evergreen Firs, struggle in the environment. The soil’s peatiness itself does not lend itself to growth and this combined with the strong sea salt laden winds from the Atlantic to the West and the Minch to the East make growing them near impossible. Much of Lewis is rocky but they can be little protection from the wind due to its exposure.

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Peat is a necessity but it can cause problems. The smoke in the enclosed Blackhouse is thought to promote breathing problems and in times of drought a peatland fire is wild and uncontrollable. It is also very difficult to build upon as the water underneath the peat shifts constantly. One of the most incredible engineering examples of overcoming this is the West Highland Railway line across Rannoch Moor. This Victorian undertaking has the tracks floating on a natural bed of tree roots and an earth an ash mixture.…

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Top Three Ways to Increase Your Home Value

There are various reasons to renovate your current home, but one of the most famous is to make a significant amount of money when it comes to selling it. Most home improvement and renovation professionals agree that these simple activities can significantly increase the value of your home. You can find out what you can do to increase the value of your home and find the local we buy houses company in Las Vegas pros to help you get started with the process. Here are the best tips that can help you increase the value of your home. 

High-End Appliances 

With the right equipment or appliances, you can easily make your kitchen space feel more finished and luxurious. New kitchen appliances boost the functionality of your current kitchen by an excellent deal. Also, they do not require any construction. Many kitchen remodeling experts recommend going for improvements and upgrades such as new refrigerators, ranges, cooktops and other useful devices with the stainless steel finishes. When upgrading your kitchen appliances, most professionals recommend that you should replace all of them at once to help keep the look and design cohesive as opposed to improving them slowly over time. Therefore, you should not overlook any of your kitchen appliances including your dishwasher. 

Increase Your Light and Space 

Dark and cramped rooms are not perfect when it comes to real estate and home renovations. One thing that you can do to increase both the appeal and value of your property is to open up your home to create more of a flow to enhance natural light. You can consider knocking down some of your walls to increase or brighten up your home space. Using an open floor plan can also make your home feel much larger, and it is excellent for entertaining. 

For example, you might have been thinking of renovating your home for years, but you are worried about the expenses. It is time to look for renovation experts to help you estimate the amount of money you can spend on your home renovation. Also, installing a vaulted ceiling is another excellent way of creating an illusion of more space in your home. Simple things such as skylights can flood your home with natural light. There are many ways of brightening up your current home with natural light, and they all have a range of prices. 

Energy-Efficient Insulation 

If your home does not have basic insulation, and it has old doors and windows that allow in plenty of cold and hot air, most home inspectors working with buyers are more likely to include this in the report. Houses that have not been renovated with energy efficiency in mind can cost more to maintain and live in. Improving your home to save more energy does not have to cost a significant amount of money and can make your house appealing to most buyers. You can seal the cracks around your house to save more money on energy bills and make it beautiful to attract potential buyers.

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Why Location Matters When You’re Purchasing a Home

So, you just got preapproved and you’re ready to hit the real estate market. You’re looking online and you’re also driving around when something really nice catches your eye. You’d love to have this property, but it’s a little far from the job. There is another property that you like but the neighborhood has a high crime rate. A new home search can be both fun and stressful. One important aspect that we may be willing to overlook is the location of the home if we are really attracted to the real estate itself. Location matters because of safety, peace, and convenience.


The house that’s located in the high crime neighborhood may not be the best move. Neighborhood safety matters because you don’t want your home broken into. A burglar has the potential to harm both you and those you love. If you’re not home, you still run the risk of coming home to missing valuables. That’s not a good way to start out life at your new property. Everyone sees a new person or family moving in and even the least nosy person is curious about it. Some people are not just curious, they want what we are bringing inside. Save yourself a headache and pay attention to the location of your property for your own safety. To help you pick a location that fits what you’re looking for you should search for something like la jolla real estate.


If you’ve ever lived near train tracks or a highway, you should be very familiar with how amazing peace is. Some people get used to the noise while others avoid it all together. You may not want to live next to a fire station or a school with bells ringing all day long. You also may not want to be next to a stadium shining lights in your home late at night or the noise from the crowd. You may also dislike the traffic entertainment venues bring. Theme parks or community parks both have the potential to be disturbing when you need your peace the most. Take note of what is in the surrounding area of the home you like and see if the location offers any peace.


So, you’ve gone the limit to get the peace and safety you want but now your home is way too far from the nearest anything. Nothing but peace and quiet for several acres and now you’re driving into town to get the smallest items. You’re used to the city so it may take you a while to adapt to purchasing a month’s worth of groceries and only going out on an as-needed basis. You want a home that is safe, peaceful and close enough to a store, or hospital or any other humanity. Walking distance isn’t totally necessary, but you do want something to at least be minimal driving distance.

Location matters to us. It doesn’t matter if we want to talk about it or not. What’s important is that you as the purchase listen to your inner self. Are you buying something that you’ll regret within the first week? A place that you will always feel the need to get away from? That’s not what a home is about. It should be a place that you come to for relaxation. A home can only be the happiest place if you’ve done ample research on your purchase beforehand. Whenever you’re looking for a place, consider the location for safety, peace, and convenience.…

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Consider Buying a Home that Gives You a Water View

There are certain features that a home can offer that can take the place and make it into something more than a spot where you can sleep at night. There are certain features that you can get from a home that can change the way that you live out your daily life, making you more excited to greet each day. When you live in a home with a great view, you enjoy sitting outside and having coffee each morning. When you live in a home with a great view, you feel like you are on vacation all of the time. You should think about all that a home with a water view can offer to you, and you should look into some of the homes in your area that might work out well for your family.

Look into a Home with a Water View to Relax More:

If you want to spend more time relaxing and just enjoying being at home, you should look into some of the homes in your area that offer a view of the water. If you would like to feel as if you are at an oasis when you are at home, you should look into purchasing a home that gives you a water view. You can find many water view homes south carolina that feel like vacation homes more than everyday houses.

Look into a Home with a Water View to Impress Friends and Family:

If you are looking for a house that you can purchase that will make your friends and family be in awe of where you are living, you should consider a home on the water. Your friends and family will not want to leave after they visit you at your water view home. You can show others how well you are doing by purchasing a home that impresses them with its beautiful views.

Look for an Affordable Home with a Water View:

Make sure that you do not go overboard when searching for a water view home. Look for a place that gives you a nice view but do not spend more on that place than you can afford to spend. Think about what you are willing to pay to get a beautiful home in a scenic setting and then find something that fits your budget.

Look for an Impressive Home with a Water View:

Make sure that the home that you purchase is truly amazing. If you are going to buy something on the water, you might as well go all out and purchase something that is impressive. Look for something with a style that fits with its setting.

You Can Purchase an Excellent Home with a Water View:

You can find a home on the water that will keep your family comfortable and happy. You can find a home on the water that will make you excited to face each day. You do not have to settle for a boring home with views that are less than pleasant; you can find an impressive home with breathtaking views.…

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Getting Help with Paying Your Mortgage

The mortgage on a house is one of the most significant financial obligations that a person has. With a mortgage, you are paying for your house on a monthly basis. Fortunately for most people, they are able to pay their mortgage without any issues. However, there are some people who get into financial problems and are therefore unable to make their mortgage payments on a consistent basis. As a result, they face a considerable amount of financial hardship.

When looking to cope with this hardship and get caught up on their mortgage, a homeowner will benefit by getting help from a home loan assistant. Whenever a homeowner is looking to get assistance with their home loan, they can take advantage of a number of programs that can help them. These include refinancing, loan modifications and home equity financing as well. There are also a number of government programs that can help you with your mortgage payments as well according to this site. So, there are plenty of solutions for people who are looking to get back on track with their mortgage payments.


A homeowner who faces difficulty paying their mortgage will either want to stay in their home or sell it. Anyone who is looking to stay in their home will want to consider refinancing their mortgage. In this situation, they will look to get a lower interest rate so that their payments are lower. With lower payments, homeowners will be in better position to more easily afford their mortgage. A reduction in the interest rate can be the difference between being able to pay the mortgage and being on the verge of foreclosure. Therefore, refinancing a mortgage is one of the first things that any homeowner should consider when looking to get caught up on their mortgage payments.


Another common solution for those who are looking to keep their homes is a loan modification. This is a type of financing arrangement where a homeowner will completely restructure their entire mortgage. A loan modification is ideal for those who are facing considerable hardship and are looking to get more affordable payments. In this situation, a lender will determine the value of the home, its equity and your current financial situation. After going over these things, they will then issue you a new loan that will provide you with more affordable payments. Both conventional banks and the FHA offer this option for homeowners looking to address their mortgage payment issues.


There are some homeowners who are no longer looking to stay in their homes. As a result, they are looking for a way to get out of their mortgage and move on. The ideal option to look into is a short sale. This is where a homeowner sells their home and intends to give all of the proceeds back to the lender. A short sale will usually result in a loss, but the homeowner walks away without having a foreclosure. As a result, they will still be able to preserve their credit rating and get housing that is more affordable for them.

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What to Do When Looking to Buy or Sell A Home

When you are looking to buy or sell a home, there are various websites where you can either find listings or put listings up. Websites like REOZOM give people the opportunity to do this. There are also websites that show listings. The internet makes it easier than ever to look up homes across the country and across the world without leaving one’s own home.

Look At Local Real Estate Catalogs

It helps to look at local real estate catalogs when thinking about buying or selling a home. Taking two seconds to take a free real estate listing circular at your local supermarket pays off dividends when it comes to knowing about the real estate market in your area.

Look At Statistics

When thinking about buying a home, you should looks at the economic and social statistics of the areas that you are looking to buy in. For example, what is the percentage of people in each economic group? What percentage of the children in the local schools qualify for food stamps? What are the religions and cultures that people identify with? What percentage of people is in each age group? All of these things tell you about the general conditions of an area and whether it is the right place for your needs. If you are seeking out an area with a lot of young people and families, it might help to live in that area with more percentages of younger people. If you are more comfortable living around people of certain ethnic, racial or religious persuasions, then you should move to areas with those demographics. If there are high rates of poverty, consider the social quirks that might come with poverty and/or wealth.

Do Research On News Stories

To get an understanding of the area that you are looking to buy in, you should read news publications from that area. The stories and the types of things that are frequently written about hint at what the area is all about and its vibe. Look at the pictures of the area and its people that are published along with those articles.

Read Up On Local Laws

It is no secret that different locales have different laws. This is why you have to do your research before you move to a given area. Based upon your needs, a given area could be perfect, horrible or somewhere in between. Some common things that differ, based on locale, are drinking laws, contraception and family planning laws, traffic laws and drug laws. Before you decide to move someplace and recreationally roll up a joint, look into the laws so that you know that you are not doing something illegal. The same goes for whether you expect bars to be open until 2:00 am or 4:00 am (though in the places where bars are open until 4:00 am many bartenders decide to close earlier if there is not much business). There may be some very important facts that you need to know about taxes, debt or benefits.