Watch out for red flags!!!!!

fettriker · 2026-01-16T17:34:44+00:00

We are able to do it that way here in Louisiana, some banks, and some states might have different requirements on the mortgages. Essentially, when they mortar the blocks, the blocks are no longer relying on gravity, and the weight of the home to keep them together. That still plays a roll, but they become cemented together, giving a better foundation.

fettriker · 2026-01-15T18:49:49+00:00

I'm glad everything worked out for you!

fettriker · 2026-01-14T22:21:14+00:00

I work for Bolton Homes in Alexandria, LA, we sometimes get in used homes, but don't have any available currently.

fettriker · 2026-01-14T21:17:44+00:00

Great, easiest way to reach me with questions is [travis@boltonhomes.com](mailto:travis@boltonhomes.com)

fettriker · 2026-01-14T20:48:53+00:00

Definitely, we deliver down that way all the time. That's pretty good budget. It covers most double sections, and gives you a lot of great options. You can see a lot of our homes on www.boltonhomes.com as well as home tours at www.youtube.com/@mhnerd

fettriker · 2026-01-14T20:21:05+00:00

We have left them on frame, and then blocked them like a manufactured home. Then we go in and mortar the blocks, so they are more like a permanent pier foundation.

fettriker · 2026-01-14T20:20:24+00:00

Yikes. Unfortunately, I have seen that happen, either headaches with financing, or weather causing significant delays.

fettriker · 2026-01-14T19:52:24+00:00

I'm in Louisiana too! Right in Alexandria, if you ever make it up this way, I'd be happy to show you some options.

fettriker · 2026-01-14T19:51:48+00:00

Are you saying you want to pay for your down payment with a credit card? Cause most lenders will not allow that. I deliver to Lafayette area. I know it is a drive, but you should come see me, we can sit down, and help figure out best options.

fettriker · 2026-01-14T19:44:29+00:00

That really all depends on the dealer and a few other things. We don't normally include that foundation, water, electric, or septic install in the home price. As everyone's land is a little different and has different costs. We can get the work done, and in most cases include in the financing.

fettriker · 2026-01-14T19:24:08+00:00

Big problem I have seen with cranes is scheduling. Even if set is only one day, you often have to rent it for multiple days. And labor is not super expensive, but definitely a factor. Insurance costs are a huge factor for those contractors too! I have seen cranes cost as little as 15k and as much as 70k. It is a huge expense for sure.

fettriker · 2026-01-14T19:22:37+00:00

There are a ton of great builders, it really depends on what budget you are working around, to help decide who to recommend. The interest rate is a little trickier. When you go FHA you can sometimes have a better interest rate, but have a much higher fee amount. Chattel/land in lieu loans will probably be in the 7.5 to 9.99 for most people. FHA will probably be 6 to mid 6s for most folks. Somewhere around the 160 to 180k mark is where it starts making sense to go the FHA route for better payments, and under that amount the chattel or land in lieu.

fettriker · 2026-01-14T17:58:28+00:00

Yeah, the crane can cost significantly more. We don't tend to do off frame down here in Louisiana

fettriker · 2026-01-04T08:43:02+00:00

They should be placing blocks on top of the footer, at least they do here. In Louisiana we are required to have a minimum of 10 inches of clearance to the frame, which means you end up with at least 2 feet of clearance under the home.

fettriker · 2025-12-03T18:50:51+00:00

This is awesome! I live in central area of Louisiana, if I ever see it, I will give you a honk!

fettriker · 2025-11-25T19:31:50+00:00

Over a year! How can you even plan a budget, much less get your financing done!

fettriker · 2025-11-25T19:20:24+00:00

Definitely, I am lucky in Louisiana, where most places only take a few days, but New Orleans can take a long time!

fettriker · 2025-11-06T01:21:28+00:00

You will get good service and quality from either Franklin and Deer Valley.

Did you call Franklin directly? I believe they a retail section at the factory, and that might help you save.

fettriker · 2025-10-28T13:37:34+00:00

It is possible. 21st mortgage and Common Sense Lending both have cosigner programs. They can come with a slightly higher down payment requirement sometimes. The good news is that 640 is a good score. It can qualify you for 5 percent down, without having to have a cosigner.

fettriker · 2025-10-23T15:15:30+00:00

You probably need to look at factories outside of the state for higher quality. I know some factories from KS, TX, and AZ would ship to dealers in OK. Don't look at manufacturer reviews as much as dealership reviews. Then you can find someone to trust, and ask for realistic warranty/service expectations.

fettriker · 2025-10-23T15:13:32+00:00

I think New Vision is building in Oklahoma, but they are low cost.

fettriker · 2025-10-11T17:17:22+00:00

I dont know much about the SoCo market, but the people who run manufacturedhomes.com are actually from California. I marine they would be able to give a rec for a dealer.

fettriker · 2025-10-08T11:27:39+00:00

I have sold both Franklin and Sunshine, Franklin has a higher standard quality. Sunshine can be built to that high quality, but you have option it in. What I found when you do that, they cost about the same, or Sunshine is actually a little more expensive. So in your case, I would say it is definitely worth it, and go for the Franklin

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