Mobile Home Insurance

Manufactured Home Lot and Combination Loan Insurance - HUD Housing About Housing Contact us Keywords Single Family Audience groups Buying a home Events & training FHA insured loans Common questions Housing counseling HUD homes/ REO Owning a home Reference guide Regulatory programs Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Manufactured Home Lot and Combination Loan Insurance Information by State Print version Email this to a friend Summary: This program insures mortgage loans made by private lenders to buyers of manufactured homes and the lots on which to place them. Purpose: HUD has been providing mortgage insurance on manufactured homes under Title I since 1969. By protecting mortgage lenders against the risk of default, HUD's participation has encouraged them to finance manufactured homes, which had traditionally been financed as personal property through comparatively high-interest, short-term consumer installment loans. The program thereby increases the availability of affordable financing and mortgages for buyers of manufactured homes and allows the buyers to finance purchase of their home at a term and interest rate comparable with the commercial loans typically used to finance manufactured homes. Type of Assistance: Title I programs offer coinsurance--HUD insures private lenders against losses of up to 90 percent of the value of a single loan, while the lender retains responsibility for the remaining 10 percent. In addition, the insurance coverage is limited to 10 percent of the lender's Title I portfolio. The buyer must agree to make a downpayment and interest rate payments determined by the lender. Title I insurance may be used for loans of up to $64,800 for a manufactured home and lot and $16,200 for a lot only. The lot must be appraised by a HUD-approved lender. The dollar limits for combination and lot loans may be increased up to 85 percent in designated high-cost areas. The maximum loan term is 20 years for a single-module home and lot, 25 years for a multiple module home and lot, and 15 years for a lot only. Eligible Grantees: Private lending institutions are eligible for insurance on loans made under the program. Eligible Customers: All buyers of manufactured homes who plan to use the homes as their principal residence are eligible for the program. Eligible Activities: Application: Buyers of manufactured homes may apply for insurance through a HUD-approved lender or through a lender's approved Retailer. CLICK HERE to find a nearby HUD-approved Title I lender . Technical Guidance: The program is authorized under Title I, Section 2 of the National Housing Act (12 U.S.C. 1703). Program regulations are in 24 CFR Part 201. These regulations, as well as applicable handbooks and notices, are available electronically through HUDCLIPS . The program is administered by the Office of Housing, Federal Housing Administration. Contact the Home Improvement Branch at (202) 708-2121 for more information. For More Information: For more information, refer to "Financing Manufactured Homes, HUD-265-H(10), available from the HUD Customer Service Center, 1-800-767-7468. Information can also be found at the HUD-approved Title I lender page or you can contact a HUD-approved housing counseling agency . To learn more about manufactured housing options and opportunities, try HUD's Manufactured Housing web page or the Manufactured Housing Institute website. Content updated May 22, 2002 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Recreation Vehicle

Recreation Vehicle Insurance from Aon Recreation Insurance -- Home | Contact Us | Privacy Policy | Site Map   About Us Request a Quote Insurance Coverage RV Seminars & Rallies Newsletters & Articles Customer Service Why do you need a special RV insurance policy? The differences between a standard auto policy and a special RV insurance policy are startling. If you don't have a specialty-RV insurance policy, you'll find that you probably have somemajor gaps in coverage. Aon Recreation Insurance—the nation's leading RV-specialty insurance agency since 1966—has an impressive panel of insurance companies to offer you. Request Your Insurance Quotes -- -- Shop for RV, Auto, Boat & Other Coverages at the Same Time Registration State: Select Alabama Alaska Arkansas Arizona California Colorado Connecticut Delaware District of Columbia Georgia Florida Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Total licensed drivers in household: Select 1 2 3 4 5 Recreation Safety RV Insurance & Safety Articles: Pre-Trip Checklist 34 Fire Facts That Could Save Your Life Proper Load Distribution & Weight Safety(GVWR) Other articles: Boats/PWC Snowmobiles Insurance Motorcycles/ATV Medical Emergencies View Articles by Topic Safety Courses & Rallies Aon Recreation Insurance offers courses on RV safe driving and fire safety, and seminars on RV insurance and medical emergency preparedness. Our coursesand seminars are presented at rallies across the country. View RV Rally Schedule Make RV Safe-Driving Course Reservation -- More Than Just RV Insurance To help you make the most of your outdoor adventures,we provide protection for all your recreation insurance needs. RV Boat/Personal Watercraft Auto Medical Emergency Plus Medium-Duty Truck Umbrella Liability Motorcycle/ATV Collector Car Snowmobile More Coverages Customer Service Pay Your Bill Report a Claim Request Proof of Insurance Change Your Address Email Newsletter Enter your email address to receive Aon Recreation Insurance's newsletter with safety tips, industry news and RV lifestyle information. Don't miss an issue. -- (We will not share your email address.) View Sample Issue News Alert Do you own a home or an RV and at least one auto? Find out how to protect these valuable assets with umbrella liability insurance. Read more... Insurance License Information © 2005 Aon Recreation Insurance

Mobile Home Ringtones Wallpaper

Welcome to MLB.com Mobile | Home Team Mobile Sites MLB Mobile Angels Astros Athletics Blue Jays Braves Brewers Cardinals Cubs Devil Rays Diamondbacks Dodgers Giants Indians Mariners Marlins Mets Nationals Orioles Padres Phillies Pirates Rangers Red Sox Reds Rockies Royals Tigers Twins White Sox Yankees MLB Mobile Home Ringtones Wallpaper Games What's New Mobile Help Game Day Audio : Listen LIVE to your favorite broadcasters and teams everyday Ringtones : Music, Voices, Highlights. Before your next call, add MLB sounds to the mix Wallpaper : Get current or classic logos on your phone Video : Access live Video and revisit all top plays Games : Trivia, fantasy, arcade-style fun Add the sounds of the game to your mobile phone. Click below to preview top-selling Ringtones or check out more Ringtones here . -- 2005 NLDS Burke Home Run Voice $2.49 2005 NLDS White Sox Champs Voice $2.49 Classic 1939 Lou Gehrig Farewell Voice $2.49 Classic 1985 Pete Rose 4192 Voice $2.49 Classic 1986 NLCS Mets Win Voice $2.49 Classic 1993 WS Joe Carter Home Run Voice $2.49 World Champions Voice $2.49 Gibson's 1988 World Series Miracle Homer Voice $2.49 Bucky Dent Continues The Curse Voice $2.49 The-e-e-e Yankees Win Voice $2.49 Customize your phone with a Wallpaper. click the icons and links below to preview your selection shop for wallpapers Carrier: AT&T Wireless Services Cingular Wireless Sprint PCS T-Mobile USA Not Sure Baseball is always on at WAP.MLB.COM. Get real-time scores and stats, breaking news player pages and team-by-team updates. It's the most comprehensive MLB info anywhere, made just for your mobile phone. -- Team Mobile Sites MLB Mobile Angels Astros Athletics Blue Jays Braves Brewers Cardinals Cubs Devil Rays Diamondbacks Dodgers Giants Indians Mariners Marlins Mets Nationals Orioles Padres Phillies Pirates Rangers Red Sox Reds Rockies Royals Tigers Twins White Sox Yankees

Diesel motor homes offer

Welcome to Adobe GoLive 6 Should I buy a Gas or a Diesel Motor Home? This question confronts most motor home buyers at some point in their RVing experience . By Len Souza (03/2004) Today’s motor homes all have many attractive features. Multiple slide-outs, large basement storage, attractive graphics on the outside with full body paint on most diesels and even some high end gas rigs. There is a wide array of models, floor plans and sizes to choose from. Whether you are a first time buyer or someone who is “upgrading” from a current unit, you will have a good old time sifting through the market place for that “Perfect Motor Home”! I would like to preface this discussion by stating that: No one NEEDs a motor home; they are a luxury--not a necessity. Most of us just want one! All motor homes share several common features, such as: roof or basement A/Cs, water heaters, furnaces, stoves, refrigerators, entertainment systems, slide-outs, etc. Indeed many of these devices are identical in either a gas or a diesel application. In recent years, motor homes have become much more sophisticated and luxurious. They kind of take everyone’s breath away! Along with this entire splendor have come higher prices, higher weights and more complexity of use and more difficulty in serviceability. Not everyone can afford a new gas powered motor home; even fewer can afford a high priced diesel pusher. To address this reality and expand the market, manufacturers have introduced a number of entry-level gas rigs and entry-level diesel rigs. (Diesel powered motor home sales are approaching 50 % per year; this is a real growth trend in the RV business.) The number one question that faces today’s motor home buyers is: Should I buy a gas motor home OR should I splurge a bit (or a lot) and buy a diesel pusher? In what follows I have tried to lend some objectivity to all of the subjectivity and emotion that surrounds this question. I will point out some of the relative strengths and weaknesses of either choice or decision. (My discussion will be limited to Class A motor homes with a length of 32 ft to 40 ft. Beyond these parameters my comments still apply but I choose not to discuss and compare the merits of $65,000 dollar rigs nor $400,000 and above luxo models.) Motor home engines: This is the one area that really distinguishes the two types of Class A motor homes . GAS---- There are two common gas engines used in motor homes. There is the Ford V 10, 6.8 L unit rated at 310 hp & 425 ft/lbs of torque and the very popular Chevy Vortec V8, 8.1 L unit rated at 340 hp & 455 ft/lbs of torque. The Chevy engine is coupled to an Allison 5 speed tranny while the Ford engine is coupled to their 4 speed R100D tranny. These gas engines can only deliver these hp ratings at relatively high RPMs-3, 600 to 4,200. The life expectancy for these engines, before major overhaul, is projected at approximately 125,000 miles. Diesel---- There are two major suppliers of diesel engines, Caterpillar and Cummins. The common diesel engines used in motor homes are of a wide variety. CAT makes the 3126E 7.2 L (recently re-designated as the C 7 series), with 330 hp and 860 ft/lbs of torque. They also make bigger engines in the C 12 to C14 series; these are large displacement engines and offer hp ratings in the 400 to 525 hp range with torque ratings of around 1,000 to 1,500 ft/lbs. Cummins offers several families of engines starting with the small block ISB 5.9 L 300 hp with 600 ft/lbs of torque. Next they have the ISC series 8.3 L with hp ratings of 330 hp with 950 ft/lbs of torque or 350 hp with 1,050 ft/lbs of torque. Then you have the ISL series 8.9 L with 350 to 400 hp and 1,200 ft/lbs of torque. Next comes the ISM 500 series, 450 to 500 hp, 11 L with 1,450 ft/lbs of torque. And finally they introduced the ISX twin cam family that has 15 L displacement, 525 hp and 1,650 ft/lbs of torque. This latter monster engine is only offered in very expensive coaches, which as I said earlier are excluded from this discussion. The typical diesel engine delivers it s peak horsepower at the relatively low (2,100 to 2,250) RPM range and their peak torque is produced in the 1,200 to 1,400 RPM range. The life expectancy of diesel engines, before major overhaul, is generally conceded as being well over 500,000 miles. Diesel engines all incorporate the use of Inter Cooled Turbo Chargers. The benefit here is that unlike gas engines that lose 3 % of their power for each 1,000 ft of elevation—diesel engines do not lose any of their power up to 7,000 ft of elevation. This makes them pull very strongly in mountain terrain where gas engines strain badly because of the loss of power and the much lower torque. The high torque ratings of diesel power plants give them the strength to maintain a steady pull at a speed, though decreased--- is very easy to live with. You are not crawling up steep grades by any means. Transmissions--- Gas rigs have typically used light truck, 4 speed trannies. In recent times the Workhorse chassis has used the Allison 5 speed tranny in combination with the 8.1 L engine. Some entry-level diesels also use a version of this tranny. Almost all diesel pushers today use the Allison 6 speed transmission—either the 3060 or 4060, which is gifted with a very “smart” adaptive control computer, that electronically shifts and locks up 6 close ratio gears. This sophisticated tranny is a rugged contender to handle the high torque and horsepower ratings of today’s diesel power plants. Chassis’---- Until recent times it was easy to find gas motor homes that were over loaded beyond their GVWR loaded weight ratings. The capacities have gone up form 17,000 lbs to 22,000 lbs and now even 24,000 lbs. Some gas rigs with 3 slide outs are still challenged with limited Combined Carrying Capacities (CCC), however. Some are limited to less than 1,000 lbs! In the case of diesel chassis’, there are several players. Freightliner, Spartan, Workhorse R Series and some proprietary chassis’ from Country Coach, Monaco and Foretravel. These chassis’ have GVWR s of 24,000 to over 40,000 lbs and they provide ample CCC ratings even though they are burdened with the added weight of 2, 3 or even 4 slide-outs. Diesel pushers are all much heavier than their gas counterparts because of the huge weight increases due to the much heavier engine and the tranny. The chassis’ also weigh a lot more because of the steel reinforcement needed to handle all of that torque and horsepower. A typical diesel engine weighs 3 times more than a gas engine, 1550 lbs vs. 500 lbs! The Hull or the House---- The bodies of all motor homes are very similar in construction materials and assembly techniques. They all are made with either steel or aluminum tubular or C channel member framing in the skeletal structure. The walls are mostly made with external fiberglass that is gel-coated and they have Luan interior walls that are used to “sandwich” Polystyrene foam insulation within them. The wall structures are generally “Vacuum Bonded” together to form a substrate. The roofs and floors incorporate similar construction, but utilize thick plywood or ribbon board in the floor underlayment and thinner plywood in the ceiling structure. These, of course are all covered with appropriate floor and ceiling coverings. Most diesels and some gas units have a continuous sheet fiberglass exterior roof covering. Most gas units have a vinyl rubber roof covering called “Tuff Brite”. All diesels, with the exception of the entry-level models, come with full body paint—that means no decals. Whereas gas units use decals for their external graphics décor. Capacities--- Diesels have fuel tank capacities in the 100 to 150 gallon range as opposed to the 75-gallon tanks found in the gas rigs. Diesels usually provide 15 to 20 % more capacity in the holding and H 2 O tanks. The diesel pusher usually has more under/bay storage than a gas unit for a given length; this is due to the fact that the typical diesel chassis was designed to provide more “pass through” storage. The Generator that all motor homes come equipped with is usually in the front of a diesel chassis between the side rail structures. This also frees up more storage bay space. It must be pointed out that the proliferation of multiple slide-outs rooms decreases some of the storage space in the bays of all motor homes. Braking Systems---- Gas motor homes use hydraulic disc brakes with ABS. Diesel motor homes offer air brakes w/ABS & with either drums or a combination of drum and discs--plus exhaust brakes or exhaust retarders. Diesels offer superior braking systems, especially when descending long steep grades. One diesel maker uses hydraulic disc brakes (no air). While another uses air over hydraulic disc brakes. Tires and Wheels---- Gas coaches used to come with 16-inch wheels (Ford), Chevy offered 19.5-inch wheels. Now everyone has 19.5-inch wheels and Workhorse introduced the 22-inch wheels, the same diameter that is standard on all diesels. Although the diesel tires have much larger profiles and much heavier weight ratings than those found on gas rigs. This is due to the much bigger GVWRs that are offered in diesels. Large wheels and large tires, combined with a decent suspension system, provide an improved ride and handling capability. Service Costs---- Diesels are more expensive to service and maintain than gas power trains. Gas rigs have 6 or 7-quart oil capacities while diesels have 24 to 28 quart capacities. On the other hand the change-interval mileage is 3,000 miles for gas; in diesels this mileage has been extended to 15,000 miles and beyond. The filters required for a diesel engine service are many and much more expensive. The diesels Air Brakes are source of high expense when they need service. The various fan belts on a diesel are much more expensive than the automotive belts used in a gas engine Cost of purchase---- Here is the area where the “boys and their toys” are separated. The wannabes and the folks with enough assets and or credit go their separate ways here. Gas coaches cost quite a bit less than a comparably equipped diesel. It’s hard to not end up here in an exercise of comparing apples to oranges. There are entry-level diesels with small 5.9 L engines and austere interiors that do come close to the price of the high-end gas models—in the $130,000 range. I would prefer the highline gas coach with the 8.1 L engine to these entry-level diesels. Now having said that, I would not buy a gas motor home that had a length of much over 36 feet. Anything over 36 feet is best powered by a diesel engine with a displacement of at least 7.2 to 8.3 L. Justification---- You have to ask yourself the question: Is a diesel pusher worth the extra money that it costs you versus the gas coach? To the many buyers who have purchased a diesel, the resounding answer is YES! It would appear that the RV ownership fantasy is never quite realized until you finally get to own a diesel! A newbie might wonder if they can travel all over the United States and Canada with a gas motor home. They might even wonder if its less fun in a gas rig than it is in a diesel. The answers are, in my opinion, yes you can travel anywhere that a diesel can take you and no, diesel owners don’t have more fun than anyone else. There are certain bragging rights that accompany diesel ownership and you will be more rested and generally have a more comfortable ride over a day’s 400-mile drive. The diesel owner may fly by you on the highway, but at the end of the day he will probably not arrive at the same RV Park more than 5 or 10 minutes before you do. Len Souza RVerAdvocate BACK MAIN MENU

luxury motor homes have

Motor homes for rent New Zealands Fastest Growing Rental Company -- ezy Motor homes for rent Motor homes for rent: Are you looking for motor homes for rent? At Ezy rentals we offer a wide range of motor homes for rent at very competitive prices, we have a motor home to suit everyone's budget. Ezy Rentals has a vast range of motor homes for rent, these ranges from 2-person motor homes to a 6-person motor home. The motor homes are very well equipped with facilities such as: gas cookers, fridge freezers, microwaves, showers and toilets. The clever design throughout all motor homes adds up to the best travelling comfort possible. Some of the luxury motor homes have features like DVD players / CD players / heated towel rails, safe / bed and indoor / outdoor kitchen with microwave/ Toilet / Showers. This allows our customers to travel throughout New Zealand in the comfort of their own home away from home. Our branches are located Auckland, Queenstown, Christchurch and Wellington. Please our website and chat to our staff online now through our online chat facility to find the suitable motor home, or call our free phone and book your dream holiday. Ezy rentals was established in 2001, and after almost 5 years we are one of New Zealand's fastest growing rental companies, with the time passing by we gained a lot of experience and are ready to cater all customers from any variety, so you know we can help you. At Ezy rentals we specialise in providing vehicle rentals that cater for a full range of visitors to New Zealand. This ranges from cheap car rentals suitable for backpackers up to the luxury full-size touring cars. We have 800 cars and camper vans on fleet, while all on very competitive prices. Our unlimited kilometres allows you to travel day and night without paying more, to make sure you think less about money this trip and more about enjoying yourself. We have a wide range of cars, so do not stop yourself from going on that trip you always wanted, single, couple or family we have the car that will suit your trip, wherever you go. So go on, Call us, or check our website... and start your vacation today. 1: Motor homes for rent ... motor homes for rent ... Ezy Car Rental Limited 2: Booking - Ezy - New Zealand Car Rentals New Zealands Fastest Growing Rental Company ... *PLEASE NOTE THAT THERE IS A $50.00 PICK UP FEE FOR ALL CAR RENTALS IN QUEENSTOWN ... Motor homes for rent ... 3: Ezy Hot Specials - New Zealand Car Rentals New Zealands Fastest Growing Rental Company ... Ezy Terms and conditions apply ... Only NZ$85 © 2005 Ezy Car Rentals . Sitemap ezy.co.nz English... 4: Travel Help - New Zealand Car Rentals New Zealands Fastest Growing Rental Company ... travel times and distance chart for New Zealand . ... © 2005 Ezy Car Rentals. 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Sitemap ezy.co. nz English ( NZ ) www.ezy.co. nz /terms.asp - 15k - 16 Aug 2005 - 18: Motorhome rentals New Zealand Ezy Rentals offers motorhome rentals throughout New Zealand, in both the North Island and South Island. If you are looking for a Motor home that will be big enough for your family or friends we have the ideal motorhome to suit your requirements. We have different motorhomes, ranging from a 2-person motorhome to s 6-person motor home. The motorhome facilities vary per vehicle. The basic motorhome has the following facilities shower, toilet, cooker with griller and fridge freezer. Each motorhome is designed in such a way as to optimise the space to ensure in your comfort.Ezy Rentals has a great offer that allows for unlimited kilometres, this is guaranteed. So there are no expected bills at the end of your holiday. Another fantastic offering is the facility to collect or drop off your vehicle anytime of the day or night. We are located in Auckland, Christchurch, Queenstown and Wellington; this allows you to do a one-way tour through New Zealand should you wish to.Please visit our website and talk to our friendly staff, they will be able to assist you in creating your dream holiday.