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    <title>Manufactured Home Owners Forum</title>
    <link>http://www.mobilehome.com/phorum5/list.php?1</link>
    <description><![CDATA[The central location on the web for the owners of manufactured homes to share their experiences.


]]></description>
    <language>EN</language>
    <pubDate>Mon, 02 Aug 2010 09:55:21 -0400</pubDate>
    <lastBuildDate>Mon, 02 Aug 2010 09:55:21 -0400</lastBuildDate>
    <category>Manufactured Home Owners Forum</category>
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    <item>
      <title>Re: Particle board floors Buckling</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80581,80593#msg-80593</link>
      <author>David Oxhandler</author>
      <description><![CDATA[We are in Central Florida, one of the most humid places in the East. If you had a big accumulation of water it is likely that you DO have a waterline leak.  The volume of water from condensation is generally not enough to cause an accumulation as you described.    

While the leak may not have been visible from the spot you opened the belly it is possible that the leak is under another area and that the water is traveling to a low point.  It is possible that the leak is dripping onto the duct work and following it to a low point.

If you are on a central water system close all the water faucets in and outside your home. Be sure that none of your toilets are running.  Then find your water meter.  If the meter show water running thru it you can be sure you have a leak.

If you are on a private water system, again shut all outlets and sit by your tank for a while.  If you hear the pump turn on while all faucets are closed, again you know you have a waterline leak.

One of the best tools to have in your plumbing repair kit is a cheap $10 stethoscope, available from most pharmacies. This is the tool your doctor uses to listen to heart or lungs, it works great for hearing where the leak is too. With just a bit of patience, you can narrow down the location of a leak to within a foot or less.

If you don’t have much experience in plumbing repair check out the book that covers all facets of manufactured home repair The Manual for Manufactured Home Repair &amp; Upgrade   Available in print or  e-book version for instant download.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80581,80593#msg-80593</guid>
      <pubDate>Mon, 02 Aug 2010 09:55:21 -0400</pubDate>
    </item>
    <item>
      <title>Re: Particle board floors Buckling</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80581,80589#msg-80589</link>
      <author>trmimo</author>
      <description><![CDATA[the cold thermostat is likely at least part of the problem.  When you set the thermostat below the outside dew point, you will get condensation. Setting the thermostat too low in  a hot, humid climate causes severe damage to any home, even without particleboard floors.  You may also have a leaking duct which will make this worse.  The holes you made will make the problem worse and need to be patched, and the wet insulation needs to be replaced.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80581,80589#msg-80589</guid>
      <pubDate>Sun, 01 Aug 2010 05:32:45 -0400</pubDate>
    </item>
    <item>
      <title>Particle board floors Buckling</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80581,80581#msg-80581</link>
      <author>mikem</author>
      <description><![CDATA[We purchased Redman home already set up on a lot a year and a half ago. Starting this summer my floors are buckling in various spots throughout the house. I have been underneath the house many times to chec for water leaks and only this past week noticed the insulation sagging and full of water. I cut holes to allow water to drain and after it drained out , no more water dripping so it kind of ruled out water leak. But I did notice no insulation on duct work and the metal duct is covered with condensation. I believe this is where the water is coming from. Has anyone else had this problem? We live in East Texas so it is very humid. Shouldn't this duct be wrapped with insulation? I feel this is a manufacture flaw. My wife does like the house very cool wich is why it probably didn't do it to the previous owner. Wanting a house to be 70 to 75 degrees should be ok without ruining floors. Anyone had any similar problems?]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80581,80581#msg-80581</guid>
      <pubDate>Sat, 31 Jul 2010 10:29:14 -0400</pubDate>
    </item>
    <item>
      <title>Re: heating and cooling</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80547,80549#msg-80549</link>
      <author>David Oxhandler</author>
      <description><![CDATA[Some MH builders do install AC as an option.  Most will equip the home with the duct system.  When you purchase the home your dealer will offer separate air system installation.  The advantage to the dealer add-on is that you air system will come from a local business that will administer the warrantee and generally offer faster service if you have any problems.

Talk to your Clayton retailer. Clayton has a good customer care reputation.  They will take good care of you]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80547,80549#msg-80549</guid>
      <pubDate>Sun, 25 Jul 2010 17:24:22 -0400</pubDate>
    </item>
    <item>
      <title>heating and cooling</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80547,80547#msg-80547</link>
      <author>pippen</author>
      <description><![CDATA[I am looking to purchase a new Clayton dw home. In home specifications I am seeing electric furnace listed. What if I want a heat pump for cooling and heating? Is this something Clayton can do for me? 

Do the homes not come with air conditioning of any sort?

I live in NC, and AC is a must. 


Thank you!]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80547,80547#msg-80547</guid>
      <pubDate>Sun, 25 Jul 2010 16:58:35 -0400</pubDate>
    </item>
    <item>
      <title>Re: Solitaire Homes</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,6003,80535#msg-80535</link>
      <author>mckat</author>
      <description><![CDATA[I own a double-wide solitaire now and love it.  They do offer upgrades.  I have upgraded carpet and it is so plush and I got what is called a wrap, which is an extra covering of plywood under the exterior siding.  It has added insulation.  One reason Solitaire doesn't have a lot of upgrades is because many things in their home are standard.  A lot of things come standard in a Solitaire that are upgrades in a Palm harbor home.  Solitaire offers much more for less than Palm harbor.  I just went shopping yesterday at both dealers looking for a home for my son and the Palm harbors have the seams and vinyl wall covering, which looks cheaper.  We were looking at single wides.  You have to pay much more money to get tape and texture on a Palm harbor and it comes standard on a Solitaire.  Solitaire also has 2 X 6 studs.  It is just such a well built home and you get inside of one and it doesn't even look like a mobile home.  The appliances are better grade and a side by side frig comes standard on the solitaire, where it doesn't on a Palm harbor.  I shopped about 10 years ago for a manufactured home and again, the Palm harbor just doesn't compare to the solitaire for what you get for your money.  I don't think you can go wrong buying a solitaire home.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,6003,80535#msg-80535</guid>
      <pubDate>Fri, 23 Jul 2010 10:16:29 -0400</pubDate>
    </item>
    <item>
      <title>Re: Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80497#msg-80497</link>
      <author>David Oxhandler</author>
      <description><![CDATA[Skyline has a wonderful reputation for both quality and customer satisfaction.  Some buyers are only interested in the lowest price they can find.  Others want all the options.  Skylights, fireplace, jumbo tubs energy features, etc.  

Compare apples and apples.  Price out the same size home with the exact same features from both builders to get as true picture.  Even if the Skyline was a bit more, unless price is your only goal, I would go with the Skyline.

Fleetwood recently declared bankruptcy.  Prior to that event their customer service was not the best. Search the internet and you will see for yourself. The reorganized company has no real track record.  Do you really want to invest in a new organization with no idea of how they honor their warranty commitments?  

On the other hand Skyline is a stable well run outfit.  They are one of the few builders to come thru the latest economic storm whole.  They have been an industry leader in customer satisfaction for over thirty years.

Your choice....]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80497#msg-80497</guid>
      <pubDate>Fri, 11 Jun 2010 15:50:00 -0400</pubDate>
    </item>
    <item>
      <title>Re: Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80496#msg-80496</link>
      <author>Spectramac</author>
      <description><![CDATA[We looked over the flyers for Fleetwood and Skyline and the &quot;energy star&quot; optional features you had to pay extra for on the Fleetwoods are standard on the Skylines. Makes you wonder what they are trying to pull, huh?]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80496#msg-80496</guid>
      <pubDate>Fri, 11 Jun 2010 14:45:24 -0400</pubDate>
    </item>
    <item>
      <title>Re: Massachusetts Mobile Home Inspector</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80485,80495#msg-80495</link>
      <author>Davevalley</author>
      <description><![CDATA[I'd be more than happy to inspect any Massachusetts mobile home that you plan on purchasing. I've crawled through many mobile home crawl spaces and I can tell you everything about any mobile home you have questions about.


My website is at http://www.masscertifiedhomeinspections.com

978-683-4984]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80485,80495#msg-80495</guid>
      <pubDate>Wed, 02 Jun 2010 05:58:21 -0400</pubDate>
    </item>
    <item>
      <title>Re: lawn issues with neighbors</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80476,80490#msg-80490</link>
      <author>mhbratt</author>
      <description><![CDATA[Cetlund,
Did you not read what I wrote? Or are you just assuming I didn't do my homework? I did all my homework, and I was given a copy of the rules like everyone else. But what does that have to do with my grass issue? The problem is since then the new manager has no clue what she is doing, but apparently has some residents that she lets get away with whatever they want. As faras manufactured homes go there isn't much choice but parks, and this does happen to be one the nicest all around. I'm talking about Bermuda grass that has started to overtake my lawn anyway. And as for land do you know what a small lot zoned for mobile homes would cost between Washington DC &amp; Baltimore??? A lot and certainly more than I could afford. 
Jennifer]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80476,80490#msg-80490</guid>
      <pubDate>Tue, 01 Jun 2010 12:26:56 -0400</pubDate>
    </item>
    <item>
      <title>Re: lawn issues with neighbors</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80476,80489#msg-80489</link>
      <author>Celtlund</author>
      <description><![CDATA[Another good reason to NOT live in a park. And if you must, you should do your homework thoroughly before moving into one.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80476,80489#msg-80489</guid>
      <pubDate>Sun, 30 May 2010 12:01:11 -0400</pubDate>
    </item>
    <item>
      <title>Re: lawn issues with neighbors</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80476,80488#msg-80488</link>
      <author>mhbratt</author>
      <description><![CDATA[Oh there are rules, lots of them. Unfortunately we have a manager who has no clue what she is doing and applies the rules selectively. It's not enough to just have rules they must be enforced across the board.

 I'd say better than 90% of the residents do maintain there lawns and homes wonderfully, I just happen to live in between two who just don't care. We have annual inspections and this year they will start June 1st, and I'm sure this year like previous years those few who have violations that they have yet to remedy will just get written up again.

 The biggest violation is the one pet rule, under 13&quot; and up to 35#, no rottweilers, pit bulls or other dogs known to bite. The day I moved in I discovered Mr. Bermuda Grass had a huge pit bull and when I called the manager and the salesman that sold me the home, both of them lied straight to my face and said they weren't aware and they would take care of it right away. A few days later I  met my neighbor and we had a nice chat we agreed that I wouldn't continue to make a big deal about it if he kept the dog in and/or under control at all times. Then he told me he had the dog since he was a pup and he was then 8 years old and management has always known about the dog. They are really nice people to live next too except for the bermuda grass issue. And the dog died a few months ago. It was sad even for me, as I am generally an animal lover, but for 8 years management was clearly aware that they were violating the rules. 

I can hardly wait to see what violations they will come up with for me. LOL 

Thanks a lot for responding.

Jennifer]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80476,80488#msg-80488</guid>
      <pubDate>Sat, 29 May 2010 18:15:17 -0400</pubDate>
    </item>
    <item>
      <title>Re: Legacy Housing Ltd.</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80469,80487#msg-80487</link>
      <author>David Oxhandler</author>
      <description><![CDATA[Click thru  to MobileHomeOwners.org where you will find a listing of the mobile home owners associations for each state.  Call the association nearest you.  The will be the most knowledgeable on the remedies available under your local or state law.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80469,80487#msg-80487</guid>
      <pubDate>Fri, 28 May 2010 15:29:48 -0400</pubDate>
    </item>
    <item>
      <title>Re: lawn issues with neighbors</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80476,80486#msg-80486</link>
      <author>David Oxhandler</author>
      <description><![CDATA[Just keep doing what you are doing.  Your problem is not unique to manufactured homes or parks.  Anyplace you live where there are neighbors you may find yourself along side the good the bad or the ugly.  

The only way to assure that your neighbors will manage and maintained their home and gardens is to move into a community or subdivision where there are reasonable deed restrictions or park rules that suite the life style features that you value.

It is critical to learn the parks rule and regulations, virtues and pitfalls  prior to making the commitment to live there.  We call this Due Diligence and it is an important part of buying any home that many people overlook in favor of location, price or a home that particularly suites their special needs.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80476,80486#msg-80486</guid>
      <pubDate>Fri, 28 May 2010 15:22:15 -0400</pubDate>
    </item>
    <item>
      <title>Massachusetts Mobile Home Inspector</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80485,80485#msg-80485</link>
      <author>Diner</author>
      <description><![CDATA[I am looking for a mobile home inspector in Massachusetts with a good reputation. I would also be interested in knowing who has had good and bad experiance in Massachusetts.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80485,80485#msg-80485</guid>
      <pubDate>Fri, 28 May 2010 15:09:03 -0400</pubDate>
    </item>
    <item>
      <title>lawn issues with neighbors</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80476,80476#msg-80476</link>
      <author>mhbratt</author>
      <description><![CDATA[When I bought my home almost 3 years ago the yard was dry dirt, clay and crabgrass. It was horrible. But with a lot of soil amendments and weed control within a year or so I had and still have a gorgeous lush green lawn, that is virtually weed free. I should mention that I live in Maryland so my lawn is a combination of cool grasses. One neighbor on one side of me does nothing but mow his yard which is weeds and bermuda grass. Up until several months ago everything was fine, but then I discovered that his bermuda grass (which is a weed as far as I'm concerned) has now infiltrated the side of my yard that abuts his up to my driveway which is about 15'. It's really starting to take over that section how can I get rid of his bermuda grass in my lawn? The park prohibits any type of dividers. I used to just pull it up when the soil was wet and have gotten pieces as long as 5' long. There is so much there now pulling it up is not an option. So am I just going to have to suffer and give up my gorgeous lawn for his Bermuda weeds?

The neighbor on the other side is sort of the same situation except she has no grass that I can tell, mostly just big sections of dirt and all kinds of weeds. Often I'm out there pulling weeds that have crept from here yard to mine, but I certainly can't do anything to her yard. 

When you have a tenant like me that pays lot rent early every month and has made a bad situation a beautiful one that gets lots of compliments, what I am supposed to do. It's hard work and expensive to keep a nice lawn nice and now I feel like just throwing up my hands and giving in. At some point my lawn will not exist as it does, it will look like theirs? And forget management, they don't care what if anything you have growing in your yard as long as it's kept cut, and refuse to help in this situation by advising Mr. Bermuda that it is a warm grass not meant to grow in Maryland and neither are his weeds, and to Ms. Weeds do something about your weeds. Both are adversely affecting your neighbors lovely lawn.

Any words of wisdom? 
Thanks
Jen]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80476,80476#msg-80476</guid>
      <pubDate>Tue, 25 May 2010 15:55:38 -0400</pubDate>
    </item>
    <item>
      <title>Legacy Housing Ltd.</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80469,80469#msg-80469</link>
      <author>cehenry</author>
      <description><![CDATA[I bought a new Legacy double wide in late 2008 to replace the one destroyed by hurricane Ike. Almost immediately, i began discovering structural problems. It started with humps in the floors, and has progressed to bowed walls, siding cracks, and now black mold growing in the walls where the cracks let in rain water.Legacy has been ordered by TDHCA several times to fix these issues and even been fined for failure to comply. They have made a couple of half hearted attempts that have failed but do not seem to be interested in truly resolving the problems. TDHCA does not appear to be able (or willing) to enforce its rulings. I can't speak for anyone else, but no matter what happens from here on in, Legacy will never sell me anything else.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80469,80469#msg-80469</guid>
      <pubDate>Fri, 21 May 2010 09:46:30 -0400</pubDate>
    </item>
    <item>
      <title>Re: Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80461#msg-80461</link>
      <author>bbarasa</author>
      <description><![CDATA[These books were published early in 2006, which means they were written at least 5 years ago. In addition to basic info on negotiating with dealers and all,  I am mainly interested in energy efficient construction practices/options. These have changed fast in the building trades, and I would assume in MH production. Is there a good resource for more current info on that by brand? It would probably have to be online to keep up with improvements. The few dealers I've spoken with say they have energystar packages available, but that is not very specific.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80461#msg-80461</guid>
      <pubDate>Tue, 18 May 2010 22:41:42 -0400</pubDate>
    </item>
    <item>
      <title>Re: Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80432#msg-80432</link>
      <author>Celtlund</author>
      <description><![CDATA[I agree with Murray and David about the books. I studied them and am glad I did. We finally purchased a Southern Energy home that was built in Alabama. The Southern Estate homes are ok but not as well built as the Southern Energy homes. The Southern of Texas are entry level homes and not as well built as the other two.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80432#msg-80432</guid>
      <pubDate>Sat, 01 May 2010 10:50:59 -0400</pubDate>
    </item>
    <item>
      <title>Re: Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80429#msg-80429</link>
      <author>David Oxhandler</author>
      <description><![CDATA[The books store has a Special 2 Book Offer from John Grissim  Capture both best selling Manufactured Home Shopper's Guides and Save $15.90!...]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80429#msg-80429</guid>
      <pubDate>Fri, 30 Apr 2010 09:13:52 -0400</pubDate>
    </item>
    <item>
      <title>Re: Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80427#msg-80427</link>
      <author>rmurray</author>
      <description><![CDATA[You are missing a trip to the bookstore here. You should consider purchasing the 2 books by Grissim. They ARE the definitive research info on the industry. Also you might want to search these forums with the search function above for the brands you mentioned. Be sure to look at posts for at least the last year. You will find a few good threads on Skyline..]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80427#msg-80427</guid>
      <pubDate>Fri, 30 Apr 2010 02:47:17 -0400</pubDate>
    </item>
    <item>
      <title>Best new brands</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80426,80426#msg-80426</link>
      <author>Spectramac</author>
      <description><![CDATA[So who are the best builders now. So far we've looked at Clayton, Palm Harbor, Fleetwood, and I've liked Marlette for a while. The Palm Harbor guy has a deal on a new Skyline design that we are thinking about pulling the trigger on. Just curious what we're missing?]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80426,80426#msg-80426</guid>
      <pubDate>Fri, 30 Apr 2010 01:41:45 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80423#msg-80423</link>
      <author>Spectramac</author>
      <description><![CDATA[We drove around and looked at new ones over the weekend. We talked with people at Palm Harbor and Fleetwood. The PH guy has a deal going on a new design Skyline through the end of the month. It's the front runner right now.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80423#msg-80423</guid>
      <pubDate>Mon, 26 Apr 2010 12:21:00 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80421#msg-80421</link>
      <author>Spectramac</author>
      <description><![CDATA[So now I'm thinking, build my shop, upgrade things INSIDE the house and bank the remainder for a few months for a down payment on a new mobile. Think the dealer can come up with a legal way out for us?]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80421#msg-80421</guid>
      <pubDate>Fri, 23 Apr 2010 21:10:27 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80418#msg-80418</link>
      <author>Spectramac</author>
      <description><![CDATA[Funny thing you should ask. After 2 months of jumping through hoops to get it, we were happy they finally approved us. Then after signing we felt even worse as we realized there was no legal way to do what we had planned to do. We knew what we were signing, but after spending so much time and money to get there we couldn't really tell them no. It's a long story, but I would definately tell people to steer clear of Wells Fargo with a mobile home. Looks like I get my shop but the wife has to wait for her bigger house.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80418#msg-80418</guid>
      <pubDate>Thu, 22 Apr 2010 15:19:18 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80416#msg-80416</link>
      <author>David Oxhandler</author>
      <description><![CDATA[Mac -

1 - How did you feel the day that the lender granted you the FHA refi?  

2 - Did you read thru the loan agreement and understand what you were signing?

You are not in prison just under an obligation... that you clearly signed your name and agreed to.  All you need to do to be free of the obligation is to pay back the money you took under the terms that the lender had a lien on the home. 

As we have suggested over and over on these forums - Never sign anything that you have not fully read and fully understand.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80416#msg-80416</guid>
      <pubDate>Thu, 22 Apr 2010 11:37:12 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80415#msg-80415</link>
      <author>Spectramac</author>
      <description><![CDATA[We tried to do a conventional loan first, but they wouldn't do it with a single wide on the property. Almost feels like I'm in prison already...]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80415#msg-80415</guid>
      <pubDate>Thu, 22 Apr 2010 09:56:09 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80413#msg-80413</link>
      <author>rmurray</author>
      <description><![CDATA[Just remember it was NOT the bank being uncooperative about the dreaded &quot;2nd move rule&quot; The rule is a FHA regulation the bank MUST abide by. Just remember as long as the mortgage is open the bank will HAVE to abide by them strictly. The FHA is a government agency whose employees will spare no expense to defend and protect the governments rules. In the future as long as the mortgage is still outstanding the mortgage company or bank will HAVE to strictly conform to the FHA rules. It is NOT a matter of choice or logic for them. Of course you could have avoided all this by using a conventional mortgage company but you probably would have had to have a MUCH larger down payment. In the future you may be able to get your mortgage company to refi your mortgage as a conventional mortgage. This is particularly possible if you are making substantial improvements on the property adding increased value. Mussing with the FHA while they are involved is like playing with fire while holding an open container of gasoline in your hand. Good Luck]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80413#msg-80413</guid>
      <pubDate>Thu, 22 Apr 2010 02:09:42 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80412#msg-80412</link>
      <author>Spectramac</author>
      <description><![CDATA[Well that at least sounds a little positive. I don't have a problem doing that IF they will work with me. So far they have been unwilling to do anything with the newer home we were looking at because of the dreaded '2nd move' issue. That's why we had to do it the way we did. I've heard so many opinions on this the last few days it makes me dizzy. Everything from 'just do it, they'll never check on you' to 'federal prison'. Right now I'd welcome a little cooperation from the bank.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80412#msg-80412</guid>
      <pubDate>Thu, 22 Apr 2010 00:39:49 -0400</pubDate>
    </item>
    <item>
      <title>Re: Can I replace my single wide after an FHA re-fi?</title>
      <link>http://www.mobilehome.com/phorum5/read.php?1,80404,80407#msg-80407</link>
      <author>David Oxhandler</author>
      <description><![CDATA[There is nothing odd about it.  Your home belongs to you BUT you borrowed money against it.  The lender has a legal and economic interest in that home that you can not deny.  'till you repay that money they have rights that protect their interest in that home.  

You can put a different home on the property but you must get the approval of your lender and work out the details with them. In most cases the lender will not have any reason to deny switching out homes if you do the paper work and pay the costs to transfer their lien  to the newer home.    This is especially true if the value of the newer home is greater than the old.]]></description>
      <category>Manufactured Home Owners Forum</category>
      <guid isPermaLink="true">http://www.mobilehome.com/phorum5/read.php?1,80404,80407#msg-80407</guid>
      <pubDate>Wed, 21 Apr 2010 15:26:25 -0400</pubDate>
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