Nowadays, you can find several lenders who offer manufactured home loans with land. Come see us for details on how you can pay for land and your home in one loan. At Racin Homes we can combine the purchase of your new home with the land to place it. In one stop, you can obtain quality housing for your family needs, land to set home, and competitive financing to make your dream a reality. All circumstances are carefully analyzed by our staff, including inspections of all real estate that is to be used as collateral, and then a loan package is presented to each customer for their inspection and approval.



By placing your mobile home in land you own, you will protect your investment from the possible depreciation and you will be able to pretty much make improvements to your property without getting authorizations from associations or boards.

Other Advantages of Owning a Lot:

• Greater availability of financing and refinancing options from a larger pool of lenders;
• Ease of obtaining home appraisals, which are generally required when refinancing;
• The possibility to get your property listed for sale by real estate agents or brokers, which may help you sell your home sooner – this is specifically important in the states that prohibit personal property to be listed for sale;
• Relatively steady market value, tax benefits and consumer protection laws.

Keep in mind that all manufactured housing is not considered real estate, which is required to qualify for a traditional home loan. If the mobile home you are considering buying is at least 400 square feet, on an approved foundation and taxed as real property, you can apply for conventional or government-backed mortgages.


Talk to Steve & Clint about owning your land since if the price of the mobile home goes down there is a good chace the land will go up.

Some Examples of Home & Land solutions