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HUD Financing Manufactured (Mobile) Homes 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 Financing Manufactured (Mobile) Homes Information by State Esta página en español Print version Email this to a friend Under the Title I program, approved lenders make loans from their own funds to eligible borrowers to finance the purchase of a manufactured home and/or lot, and FHA insures the lender against loss if the borrower defaults. Credit is granted based upon the applicant's credit history and ability to repay the loan in regular monthly installments. Title I manufactured home loans are not Government loans or grants, and are not low interest rate loans. The interest rate is fixed and is generally based upon the prevailing market rate in the area at the time the loan is made. FHA does not lend money. Purpose of the Loan A Title I loan may be used for the purchase or refinancing of a manufactured home, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence of the borrowers. Maximum Loan Amount manufactured home only - $48,600 manufactured home lot - $16,200 manufactured home & lot - $64,800 The dollar limits for lot loans and combination loans may be increased up to 85 percent in designated high-cost areas. For further information on high-cost area limits, contact the local HUD field office. Maximum Loan Term 20 years for a loan on a manufactured home or on a single-section manufactured home and lot. 15 years for a manufactured home lot loan. 25 years for a loan on a multi-section manufactured home and lot. Manufactured homes are usually purchased through dealers or retailers that sell the homes. The names of lenders in your area which specialize in financing manufactured homes can be obtained from local retailers. These retailers are listed in the yellow pages of your telephone directory. They have the required application forms. FHA neither loans money nor gives grants to purchase homes. Also, manufactured homes must comply with the National Manufactured Home Construction and Safety Standards. The approved FHA lender can explain the mortgage credit and income eligibility requirements to qualify for a loan. Consumer Protection HUD provides two types of consumer protection. The borrower must sign a HUD Placement Certificate agreeing that the home has been installed and set-up to their satisfaction by the retailer before the lender can give the loan proceeds to the retailer. After moving in, the borrower can call HUD at (800) 927-2891 to get assistance about the problems with construction of the home. Eligible Borrowers Must: Have sufficient funds on hand to make the minimum required downpayment of 5 percent. Be able to demonstrate that they have adequate income to make the payments on the loan and meet their other expenses. Intend to use the manufactured home as their principal residence. Have a suitable site on which to place the manufactured home. The home may be placed on a rental site in manufactured home park, or on an individual homesite owned or leased by the borrowers. An Eligible Manufactured Home Must: Meet the National Manufactured Home Construction and Safety Standards. Carry a one-year manufacturer's warranty if it is a new manufactured home. Be installed on a homesite that meets established local standards for site suitability and has adequate water supply and sewage disposal facilities available. The proceeds of a Title I manufactured home loan may not be used to finance furniture (for example, beds, chairs, sofas, lamps, rugs, etc.). However, built-in appliances and equipment and wall-to-wall carpeting are eligible for financing. Equal Opportunity in Housing The Fair Housing Act prohibits discrimination in housing and related transactions--including mortgages and home improvement loans. Lenders may not deny funds or offer less favorable terms and conditions in lending on the basis of the borrower's race, color, religion, sex, national origin, familial status (i.e., the presence or number of children in a household) or disability. In addition, lending decisions may not be based on the race, color, sex, religion, national origin, familial status or disabilities of persons associated with the borrower or with the area surrounding the property. If you believe you have been the victim of discrimination in mortgage lending on one of the prohibited bases, you may file a fair housing complaint by contacting a local fair housing advocacy group, the Office of Human Rights for your state or local government, or by calling the national Fair Housing Hotline at (800) 669-9777 or TTY: (800) 927-9275. Content updated November 27, 2001 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 RV Trader RV InsiderRV Trader Online Contents Home Search Browse Place An Ad · modify your ad · renew your ad Find a Dealer Buyer's Guide Subscribe Help My RV Trader RV Insider Resources Financial Services NADA RV Values Insurance Products for the RV Lifestyle RV Transport Warranties RV Donation Generators RV Lots and Properties for Sale Campgrounds/Resorts RV Rentals Loan Calculator RV Links Escrow Dealers Sign Up Now! Demo Login Password Forgot your password? Click here . Region List Regions: Look below to see the region in which each state falls. If you would like to search using one of the below regions, close or minimize this window to return to the search. 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Thursday May 13, 2004 (New Carlisle, IN.) –The Good Sam VIP RV Safety Rally is a three-day RV Safety program designed to enhance RVers knowledge and experience behind the wheel of an RV. RVers with all levels of experience are participating in this program, from first timers to seasoned veterans. This year’s event is being held at the Bosch Automotive Proving Grounds. The Bosch Automotive Proving Grounds (BAPG) operates as an independent vehicle testing and development service supplier to all vehicle and component manufacturers. BAPG is located on 675 acres in New Carlisle, Indiana (90 miles east of the Chicago, Illinois area). BAPG serves a wide variety of customers involved as manufacturers and component suppliers in the passenger car, light truck, heavy truck, trailer, military vehicle, recreational vehicle, motorcoach and transit bus industries. Although a special license is not needed to drive or tow the vast majority of RVs, this program has been sold out for months because of its total approach to RVing and the overall attention to the differences in driving an RV: vehicle size, height, weight and more. A few generations ago, most Americans took only one weeklong vacation a year. Today, people yearn to get away on shorter trips more often — and at all times of the year. An RV makes that possible, allowing you to strike out on the road whenever you want and go nearly anywhere you want. With so many destinations, events and adventures — and models ranging from van campers to fifth-wheel travel trailers — from which to choose, RV travelers are always on the move, making memories every mile of the way. If you're an experienced car driver, you already have the skills necessary to drive a motorized RV. The automatic transmission, power brakes and steering you're accustomed to are standard features on most RVs. “Just as with any skill, it is good to test them with a qualified teacher,” said Kathy Wenzel, Good Sam VIP Safety Rally organizer. “This Rally is a good place to do that both in the classroom and on the road.” “There are many things we all take for granted when we get behind the wheel of a motorized vehicle,” said Wenzel. “Consumers spend several hours a week driving and most don’t take any type of refresher or training course once they have their license. We’re pleased to see the terrific response we get to our RV Safe Driving Programs. It tells us that drivers want to be as safe as they can with their RVs.” “Some of what we teach seems like common sense,” said Wenzel. “But you would be surprised at how many drivers forget to do the most simple things.” “You do not need a special license to drive or tow the vast majority of RVs,” continued Wenzel. “ GoRVing.com , the RV industry’s consumer website, has several tips for driving an RV. This is a good resource for the American RV traveler.” Whether you drive a motorized RV or tow an RV, you should always: * Before leaving, sit in the driver's seat and adjust all mirrors for optimal road views. * Account for your vehicle size when turning. The front and rear wheels will track paths much farther apart than those of a car. * Allow more time to brake, change lanes, and merge onto a busy highway because big vehicles take more time to accelerate and slow down than small ones. Drivers towing a folding camping trailer, travel trailer or fifth wheel travel trailer also should: * Match the proper tow vehicle to your RV. Most full and mid-size family cars can pull a trailer; so can today's popular vans, SUVs, and light-duty trucks. Check maximum weight it can pull. * Use the right trailer hitch, and make sure it is hitched correctly. * Connect brakes and signal lights. Make sure that the trailer's brakes, turn signals, and taillights are synchronized with the towing vehicle. * Back up with care. By placing your hand at the bottom of the steering wheel, the trailer will move in the direction you turn your hand. (For example, to move the trailer to the right, move your hand to the right.) Once the trailer is moving in the proper direction, avoid any sharp movements of the steering wheel. * It's also wise to have someone stand outside the vehicle to make sure the driver avoids any obstacles not seen in the mirrors. If another person is not available, the driver should inspect the area behind the vehicle. Doing so can prevent surprises and accidents. * Whether you're driving a motorhome or a tow vehicle, make sure you and every passenger wears a seat belt. According to the National Safety Belt Coalition, this is the single most effective thing you can do to prevent serious injury and death in a traffic accident. The first two days of the course consists of four 4-hour class sections. Good Sam VIP Safety instructors who are highly skilled and trained teach the RV Safety Classroom Program . The classroom provides in-depth instruction and ample discussion time. The RV Safety Review is a portion of the course that includes a free weigh-in of participants rig, classroom discussion of weight distribution, tire pressure, and other safety information specific to getting the rig ready for the road. Instructors teach this portion of the course from the Recreation Vehicle Safety Education Foundation (RVSEF). The RV Hands on Driving Course is the most popular part of the course. The participants will spend time behind the wheel of an RV. Hart City RV from Elkhart, Indiana will be providing RVs and Good Sam VIP Safety Instructors and GM Safety Instructors teach this section of the course. The Auto Hands on Driving Course has participants practice off-road recovery, skids, and turns in vehicles provided by GM. GM Safety Instructors teach this section of the course which extends training to everyday automobile scenarios. It creates a total driving experience for Rally participants. The third day of the course will consist of safety related seminars. In addition participants will be given an opportunity to register for additional private RV Hands on Driving time. “Everyone should take a course like this,” said Pat Scarlett from Woodside, California, at last year’s Rally. “It is awesome. Each instructor was extremely knowledgeable and friendly. They encouraged questions while staying on course in order to cover all materials of their segment.” The Good Sam VIP RV Safety Rally is named for the money saving RV and auto insurance benefit designed for Good Sam members. The event is scheduled for May 15 through May 17, 2004. The Rally will be held at the Bosch Automotive Proving Grounds in New Carlisle, Indiana. The RV Safety Rally is sponsored by Good Sam VIP Insurance, the Good Sam Club, General Motors, the Recreation Vehicle Safety Education Foundation and Hart City RV. About Good Sam Club (GSC) The Good Sam Club, www.goodsamclub.com , is the world’s largest RV owner’s organization with nearly one million member families. Founded in 1966, the Club offers its members a wide variety of services, including the Continued Service Plan, Emergency Road Service, RV financing and insurance, as well as member discounts to parks, campgrounds and RV events. Good Sam Club members also receive a subscription to Highways , the Club’s popular RV travel magazine. Additionally, the Club represents more than 2,000 local RV chapters designed to bring RVers together from similar geographic regions for group camping excursions. Extremely committed to its RV members as well as to the environment, the Club is a founder of the annual National Cleanup Day program and an advocate of public land access, Adopt-A-Highway programs and Adopt-A-Park programs, to name a few. The Good Sam Club is headquartered in Ventura, California. About GMAC Insurance Personal Lines With more than $1.4 billion in revenues, 2,700 employees and customers in 48 states, GMAC Insurance Personal Lines is one of the largest underwriter's of personal lines insurance in the United States. A.M. Best, an independent insurance rating agency, rates GMAC Insurance companies “Excellent” for financial strength and claims paying ability. GMAC Insurance Personal Lines offers a full spectrum of consumer and specialty automotive insurance products directly to customers and through a strong network of more than 12,000 independent agents. Founded in 1919, GMAC Insurance is a wholly owned subsidiary of General Motors Corporation. Additional information is available at www.gmacinsurance.com . Contact: Kathy Wenzel, Marketing Manager, Good Sam VIP Insurance 800-765-1912 ext. 166 kwenzel@affinitygroup.com Julie Calzone, CEO/Calzone & Associates 337.235.2924 ext. 3, jcalzone@calzone.com Advertisement About Us Advertise With Us Affiliate Programs Contact Us Press Releases Privacy Policy Site Map Terms Advertisement Advertisement Home | About RV.net | Advertise With Us | Terms | Site Map | Contact Us | PRIVACY POLICY | YOUR PRIVACY RIGHTS | ©2006 RV.net RV dealerships. RV EuropeRecreational Vehicles Rentals and Sales in the Yahoo! Directory Search: the Web | the Directory | this category Recreational Vehicles > Rentals and Sales Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Automotive > Recreational Vehicles > Rentals and Sales CATEGORIES Airstreams (3) SPONSOR LISTINGS ( What's this? ) USA RV Rentals - offering nationwide RV and motorhome rentals and camper hire. Martinsburg RV - offers new and used recreational vehicles and travel trailers for sale with parts, accessories, and service available. SITE LISTINGS By Popularity | Alphabetical ( What's This? ) Sites 1 - 40 of 184 Cruise America RV Rental and Sales - Offers online RV reservations for locations throughout North America, searchable inventory of used fleet motorhomes for sale, and motorcycle rentals. El Monte RV Center - Includes graphics, photos, and information on Recreational Vehicle Rentals, campgrounds, seasons, rates, occaisional contests, giveaways, and specials. PPL Motor Homes - Offers motor homes, travel trailers, mini motor homes, and 5th wheels. Specializing in consignment sales, insurance, parts and service, and accessories. Beaudry RV Center - Motorhomes, 5th wheels, and trailers, new and pre-owned. Giant RV - Dealer for Fleetwood, National RV, Winnebago, Safari, Pace Arrow, Vectra, Jamboree, Nu-Wa, Skyline, and Weekend Warrior. 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Great American RV - Serving the Puget Sound area. North Trail RV Center - offering new and used recreational vehicles. Guaranty RV Centers Motorhome Rentals World Wide - Vehicles available in New Zealand, Australia, South Africa, and Europe. Tom Raper RVs - rentals, sales, parts, and service. American Dream RVs - Offering rentals, full service charters and home-based RV business opportunities. American RV Rentals Rental Adventures - Motor home rentals and referral services for RVs. Also offers a lease agreement program to RV owners. Miley RV & Truck Rental - New and preowned RVs, accessories and motorhome and truck rentals. RV parts and accessories available for online ordering. Iowa Boys, LLC - Selling and renting used trailers and RVs for on camera use in Southern California. Barber Brothers Dealership Group - Sells Pontiac, Chevrolet, Oldsmobile, Coachmen RV, Mitsubishi, Subaru, Suzuki, Dodge, Chrysler, Plymouth, Jeep, Eagle and all makes in used cars. Texas Trader - Used recreational vehicle consignment dealer. Hitcharama RV Sales & Rentals - Recreational vehicle sales and rental dealership, featuring Coachmen, Skyline, Fleetwood, Winnebago, Starcraft, and Canterbury. Online parts ordering. Motor Sportsland Happy Travel Camper Rental - Rental and sales of camper vans for travel within North America. Results Page: 1 2 3 4 5 Next Recreational Vehicles > Rentals and Sales Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Automotive > Recreational Vehicles > Rentals and Sales Search: the Web | the Directory | this category |
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