Buy a Mobile Home in Oklahoma (and Live Your Best Life in the Sooner State)

If you’re considering purchasing a mobile home in Oklahoma, it’s essential to understand the numerous aspects of the process. Mobile homes offer an affordable alternative to traditional single-family homes, providing a range of options from single to double wides. As you begin your search, you’ll need to look at various factors, including pricing, location, and available financing options.

As with any significant investment, it’s essential to arm yourself with the knowledge and resources to make an informed decision. This includes understanding mobile home pricing, land options for placement, and potential financing opportunities such as VA loans for eligible individuals. Additionally, working with professional housing consultants in Oklahoma can help guide you throughout the process.

Key Takeaways

• Mobile homes in Oklahoma offer affordability and versatility for potential homeowners.
• Pricing, land options, and financing are essential factors to consider when buying a mobile home.
• Professional housing consultants can provide invaluable assistance and guidance during the purchase process.

Finding Mobile Homes for Sale in Oklahoma

When looking for a mobile home in Oklahoma, there are various options to consider. Here are a few key resources for finding the perfect mobile home.

REO Mobile Homes

REO (Real Estate Owned) mobile homes are properties that have been foreclosed and repossessed by banks or lenders. These homes can often be found at lower prices compared to other mobile homes on the market. Oklahoma has a wide range of REO mobile homes available, so keep an eye on listings in cities like Oklahoma City, Tulsa, and Norman, just to name a few.

Clayton Homes

Clayton Homes is a well-known manufacturer of mobile homes with a reputation for quality and affordability. They offer a variety of models to choose from in various locations throughout Oklahoma, such as Choctaw, Ardmore, Blanchard, Colcord, and Guthrie. Be sure to check out their inventory to find the perfect fit for your needs.

Used Mobile Homes for Sale

If you’re looking for a more budget-friendly option, consider searching for used mobile homes for sale. They can be found in cities like Lawton, Muskogee, Osage, Shawnee, Vian, Wagoner, and Ada. Websites such as MHVillage and homes.com can help you find used mobile homes in these areas.

Remember to do your research, explore your options, and be confident in your decision-making process when finding the perfect mobile home to suit your needs in Oklahoma.

Understanding Pricing

When considering buying a mobile home in Oklahoma, it’s important to understand the factors that impact pricing. In this section, we will discuss the prices of used and new mobile homes to give you an idea of what to expect.

Price of Used Mobile Homes

Used mobile homes in Oklahoma can be an affordable option for buyers. The average price of a pre-owned home is around $67,798. The model year and size of the home are both important factors that can impact the price. Generally, the older the mobile home, the lower the price. A larger home with more bedrooms and bathrooms will typically be more expensive than a smaller one. It’s essential to carefully evaluate the condition and features of a used mobile home to ensure you’re getting a good value for your money.

Price of New Mobile Homes

If you’re interested in purchasing a new mobile home, you can expect to pay more than for a used one. According to the U.S. Census Bureau, the average cost of a new manufactured home in the South, which includes Oklahoma, is around $126,000. The price can vary depending on the size and model of the home, as well as any additional features or upgrades. For example, a double-wide home will typically be more costly than a single-wide.

When considering the price of a mobile home, it’s important to factor in additional expenses, such as land acquisition, utility hookups, and transportation fees if you’re planning to move the home. Taking the time to research and understand pricing can help you make an informed decision and find the best mobile home to suit your needs and budget.

Buying Land for Your Mobile Home

Purchasing land for your mobile home in Oklahoma can be a great investment. With the right information and resources, you can find the perfect piece of land in your preferred location. In this section, we will specifically cover land purchasing options in three popular cities: Norman, Tulsa, and Oklahoma City.

Norman Land Purchase

Norman, known for its lively college-town atmosphere, offers a variety of options when it comes to buying land for your mobile home. When searching for properties, consider your desired location, size, and budget. Be sure to check for available mobile homes for sale with land in the area and consult with local real estate agents to better understand the market.

Tulsa Land Purchase

Tulsa, a thriving city with a rich history and vibrant arts scene, is another excellent location to consider when buying land for your mobile home. To find suitable land in Tulsa, browse real estate listings and consult with local experts. Keep in mind factors such as proximity to schools, shopping centers, and transportation options as these can significantly impact your mobile home experience.

Oklahoma City Land Purchase

Oklahoma City, the state’s capital, offers a wide range of land purchasing options for your mobile home. When searching for land in Oklahoma City, focus on your preferred neighborhood and budget. You can find mobile homes for sale with land in Oklahoma City through various property listings, or reach out to local real estate agents for professional assistance.

Remember to investigate zoning regulations, available utilities, and any potential restrictions before making a purchase. This due diligence will help ensure you make an informed decision when selecting land for your mobile home in Oklahoma.

VA Loans for Mobile Homes

If you’re considering buying a mobile home in Oklahoma, one financing option to explore is a VA loan. As an active service member, military veteran, or eligible family member, this type of loan, backed by the United States Department of Veterans Affairs, can provide you with various benefits to ease your path to homeownership.

Before diving into the process, it’s essential to understand that VA loans are for manufactured homes built on or after June 15, 1976, and not for mobile homes built before that date. So, make sure the home you’re interested in meets this requirement. Also, it must adhere to the VA’s minimum property requirements for safety, sanitation, and structural integrity.

There are several advantages to using a VA loan for purchasing your mobile home in Oklahoma. First, you may be able to secure a loan with no down payment, which can ease the financial burden of entering the housing market. Additionally, VA loans often have lower interest rates compared to conventional loans, making your monthly payments more affordable.

It’s important to note that you’ll need to find a lender who offers VA loans for manufactured homes. Some lenders, such as Guaranteed Rate and Rocket Mortgage, can help you navigate the application process and determine your eligibility for a VA loan. Keep in mind that you might need to provide additional documentation, such as proof of military service and a Certificate of Eligibility (COE).

When searching for the perfect mobile home, don’t forget to factor in additional costs, such as insurance, property taxes, maintenance, and utility expenses. This will help you gain a clear understanding of your overall financial commitment and ensure that you make a well-informed decision.

In conclusion, a VA loan can be an excellent option for financing a mobile home in Oklahoma if you’re an eligible borrower. By understanding the process, requirements, and benefits offered by VA loans, you can confidently pursue your dream of owning a mobile home in Oklahoma.

Professional Housing Consultants in Oklahoma

When you decide to buy a mobile home in Oklahoma, working with a reputable housing consultant can make the entire process much more manageable. They are knowledgeable about available mobile homes, financing options, and potential locations.

These professional housing consultants can assist you in determining what type of mobile home best fits your needs and budget. Oklahoma City has several options, like Titan Factory Direct, Oak Creek Homes, and Heritage Housing, all ready to serve you in finding your dream mobile home.

While working with a professional housing consultant, make sure to discuss your financing options. They may have connections with various lenders and banks, helping you secure the best loan terms for your mobile home purchase.

Not only can these consultants help you choose your mobile home, but they can also provide guidance on the placement of your new residence, whether in an established community or on the property you own. Keep the communication lines open with your consultant during the entire process to ensure a smooth transaction.

Getting Informed

When you’re considering buying a mobile home in Oklahoma, it’s essential to gather all the necessary information to make an informed decision. This section provides a list of useful resources to help guide your search.

Online Resources

There are various online platforms that offer valuable insights into buying a mobile home in Oklahoma. Websites such as Mobile Home Living provide essential information and tips on what to consider when buying a mobile home in the state.

For legal information regarding mobile home ownership in Oklahoma, Legal Aid Services of Oklahoma offers a comprehensive guide on purchasing manufactured homes, financing options, and other related topics.

An additional resource is Mobile Home Investing, which focuses on the mobile home title transfer process in Oklahoma. This website provides step-by-step guidelines on how to smoothly transfer the ownership of a mobile home from one person to another.

Local Resources

Besides online resources, it’s crucial to leverage local sources of information during your mobile home buying process. Reach out to local mobile home dealers who can offer insights into available homes, location preferences, and pricing options. Many dealers, such as Hench’s, offer a wide variety of single and double-wide mobile homes in Oklahoma and can provide information on financing and delivery options.

Additionally, consider contacting the Oklahoma Tax Commission to understand the specific laws and regulations regarding mobile home ownership in the state. The Oklahoma Tax Commission website offers detailed information on taxes, classification of mobile homes as real or personal property, and other essential topics.

By utilizing these online and local resources, you’ll be better equipped with the knowledge and understanding needed for purchasing a mobile home in Oklahoma. Remember to always research and consult with professionals to ensure you make the best decision for your housing needs.

Frequently Asked Questions

Q: What is the Cost of a Modular Home in Oklahoma?

The cost of a modular home in Oklahoma can vary greatly depending on the size, features, and location of the home. On average, you can expect to pay anywhere from $50,000 to over $200,000 for a new modular home. Be sure to research different manufacturers and dealers to find the best option for your needs and budget.

Q: What are the Taxes on Mobile Homes in Oklahoma?

In Oklahoma, mobile homes are subject to property taxes, whether they are located on owned or leased land. The tax rate varies based on the location and assessed value of the home. To get a more accurate estimate of the property taxes for a specific mobile home, you can use the Oklahoma Tax Commission’s property tax estimator.

Q: Where Can I Find Used Mobile Homes for Sale in Oklahoma?

Used mobile homes can be found through a variety of sources, such as online classifieds, local newspapers, and specialized websites like Mobile Home Living. You can also check with local real estate agents and mobile home dealers for listings of available used mobile homes in Oklahoma.

Q: What are the Land Packages Available for Mobile Homes in Oklahoma?

Land packages for mobile homes in Oklahoma typically include a plot of land along with the purchase of a new or used mobile home. These packages vary widely in terms of price, location, and available amenities. It’s important to research different land package options and work with a knowledgeable real estate agent to find the best fit for your needs.

Q: How Much Does it Cost to Move a Mobile Home Within Oklahoma?

The cost of moving a mobile home in Oklahoma can range from $1,000 to $5,000 or more, depending on factors like the home’s size, distance of the move, and additional setup and preparation costs. Before moving a mobile home, be sure to get multiple quotes from professional mobile home movers and check their references.

Q: Are Mobile Homes Considered Real Property in Oklahoma?

In Oklahoma, mobile homes can be considered real property if they are permanently affixed to a foundation and the owner holds title to both the mobile home and the land on which it is located. When a mobile home is considered real property, it can be financed and taxed similarly to a traditional site-built home.