If you’re a mobile home owner in New Hampshire, there are several things you should know to protect your investment and ensure a comfortable living experience.
Whether you’re buying a mobile home in New Hampshire or already own one, it’s important to be aware of the state’s laws and regulations regarding mobile homes and manufactured housing parks.
One of the first things you should know is that mobile homes and manufactured homes are not the same as traditional site-built homes.
According to MHVillage, “manufactured homes are built to a federal code, while site-built homes are built to state and local codes.” This means that there may be different regulations and requirements for mobile homes and manufactured housing parks than for traditional real estate.
Additionally, it’s important to be aware of any defects or issues with your mobile home.
According to New Hampshire Legal Aid, mobile homeowners have “homestead rights” that protect up to $100,000 worth of equity (or $200,000 for a married couple) from most creditors.
However, if there are defects or other issues with your mobile home, it could affect its value and your equity.
Buying a Mobile Home in New Hampshire
If you are considering buying a mobile home in New Hampshire, there are several things you should know before making a purchase.
Buying a mobile home is a big investment, so it’s important to do your research and make sure you are making an informed decision.
In this section, we will discuss where you can buy mobile homes in New Hampshire and what you should keep in mind when making a purchase.
Where Can You Buy Mobile Homes in New Hampshire?
There are several options for buying a mobile home in New Hampshire. You can purchase a new or used mobile home from a dealer or private seller, or you can buy a manufactured home from a builder.
Some of the most popular options for buying mobile homes in New Hampshire include:
| Option | Description |
|---|---|
| Mobile Home Dealers | There are several mobile home dealers in New Hampshire that offer a wide selection of new and used mobile homes. These dealers can help you find the perfect home for your needs and budget. |
| Private Sellers | You can also buy a mobile home from a private seller. This option may be less expensive than buying from a dealer, but it’s important to do your due diligence and make sure you are buying a home that is in good condition. |
| Manufactured Home Builders | If you want a brand new mobile home, you can work with a manufactured home builder to design and build a home that meets your specific needs and preferences. |
No matter where you decide to buy your mobile home, it’s important to do your research and make sure you are working with a reputable seller.
You should also make sure that the home you are buying meets all of the necessary safety and quality standards.
Taxes and Fees
As a mobile home owner in New Hampshire, you may be wondering about the taxes and fees associated with owning a mobile home. Here are some things you should know:
Do You Have To Pay Sales Tax On A Mobile Home In New Hampshire?
If you purchase a new or used mobile home in New Hampshire, you will need to pay a 6.25% sales tax.
However, if you purchase a used mobile home from an individual, you will not need to pay sales tax.
Do You Have To Pay Property Tax On A Mobile Home In New Hampshire?
Yes, you will need to pay property tax on your mobile home in New Hampshire. The tax is based on the assessed value of your home and is paid annually to your town or city.
The tax rate varies depending on your location and can range from $10 to $25 per $1,000 of assessed value.
It is important to note that if you own the land your mobile home is on, you will need to pay property tax on both the land and the home.
If you rent the land, you will only need to pay property tax on the mobile home.
How Much Does It Cost To Transfer A Mobile Home Title In New Hampshire?
If you are buying or selling a mobile home in New Hampshire, you will need to transfer the title. The cost to transfer a mobile home title in New Hampshire is $25.
You will need to complete a Title Application (Form TDMV 23A) and bring it to your local DMV office along with the current title and payment.
It is important to make sure that the title is properly transferred to avoid any legal issues down the road. If you have any questions about the title transfer process, you can contact your local DMV office for assistance.
| Mobile Home Ownership Fees in New Hampshire | Cost |
|---|---|
| Mobile home sales tax | 6.25% |
| Property tax on mobile home | Varies ($10-$25 per $1,000 of assessed value) |
| Transfer of mobile home title | $25 |
Remodeling and Repairing
If you’re a mobile home owner in New Hampshire, you may be wondering about remodeling and repairing your home. Here are some things you should know:
Do You Need A Permit To Remodel A Mobile Home In New Hampshire?
The answer is: it depends. According to the New Hampshire Department of Safety, if you’re making structural changes to your mobile home, you’ll need a permit.
This includes adding a room, changing the roofline, or moving walls.
However, if you’re just doing cosmetic changes, like painting or replacing flooring, you won’t need a permit.
It’s always a good idea to check with your local building department to make sure you’re following the rules.
Where Can You Buy Mobile Home Parts In New Hampshire?
If you’re looking for mobile home parts in New Hampshire, there are a few options. One is to check with your mobile home manufacturer or dealer.
They may have the parts you need, or they can point you in the right direction. Another option is to check with a local hardware store or home improvement store.
They may have parts that will work for your mobile home. Finally, you can also check online retailers like Mobile Home Parts Store or Amazon.
Where Can You Find Mobile Home Contractors In New Hampshire?
If you need help with remodeling or repairing your mobile home, you’ll want to find a contractor who specializes in mobile homes.
One option is to check with your mobile home manufacturer or dealer. They may have a list of contractors they recommend.
Another option is to check with the New Hampshire Manufactured Housing Association. They have a directory of contractors who specialize in mobile homes.
Finally, you can also check online directories like HomeAdvisor or Angie’s List.
Moving a Mobile Home
Moving a mobile home can be a daunting task, but it doesn’t have to be. Whether you’re moving across the state or just a few miles away, there are a few things you should know before you start the process.
Who Are The Mobile Home Movers In New Hampshire?
When it comes to moving your mobile home in New Hampshire, you have a few options. First, you can hire a professional mobile home mover.
These companies specialize in moving mobile homes and have the equipment and expertise needed to get the job done safely and efficiently.
Another option is to hire a general moving company. While these companies may not specialize in mobile home moving, they can still get the job done. Just be sure to choose a company with experience moving mobile homes and check their references to ensure they are reputable.
If you’re on a tight budget, you may also consider moving the home yourself. However, keep in mind that this can be a risky and complicated process, and you will need to obtain the proper permits and equipment.
Permits and Regulations
Before you can move your mobile home, you will need to obtain the proper permits and follow all regulations set forth by the state of New Hampshire.
This includes obtaining a permit from the New Hampshire Department of Safety, Division of Motor Vehicles, and complying with all local zoning and building codes.
It’s important to note that moving a mobile home can be a complex process, and you may need to hire a professional to help you navigate the regulations and obtain the necessary permits.
Costs
The cost of moving a mobile home in New Hampshire can vary widely depending on a number of factors, including the size of the home, the distance being moved, and the level of service you require.
Generally, you can expect to pay anywhere from $3,000 to $10,000 or more for a professional mobile home mover.
Other costs to consider include obtaining permits, disconnecting and reconnecting utilities, and any repairs or modifications that may be required to the home before or after the move.
| Costs to Consider When Moving a Mobile Home | Estimated Cost |
|---|---|
| Professional mobile home mover | $3,000 – $10,000+ |
| Permits and fees | $500 – $1,500 |
| Disconnecting and reconnecting utilities | $500 – $1,000 |
| Repairs and modifications | $1,000 – $5,000+ |
It’s important to get quotes from several different companies and compare costs and services before making a decision.
Moving a mobile home can be a complex and expensive process, but with the right planning and preparation, it can also be a smooth and stress-free experience.
Whether you choose to hire a professional or do it yourself, be sure to do your research and follow all regulations to ensure a successful move.
Mobile Home Insurance In New Hampshire
As a mobile home owner in New Hampshire, it’s important to have insurance coverage to protect your home and personal belongings.
In this section, we’ll discuss where you can get mobile home insurance in New Hampshire and what coverage options are available to you.
Where Can You Get Mobile Home Insurance In New Hampshire?
There are several insurance companies that offer mobile home insurance in New Hampshire. One option is Match an Agent, where independent agents shop around to find you the best coverage.
Another option is Eaton & Berube Insurance, which provides coverage for your home and property, including your mobile home itself, an attached deck and/or patio, garage or storage shed, your clothing, cooking appliances, entertainment equipment, and your other personal possessions.
When looking for mobile home insurance in New Hampshire, it’s important to consider the coverage options available to you.
Some insurance policies may only cover your mobile home itself, while others may provide coverage for your personal belongings and liability protection in case someone is injured on your property.
| Types of Coverage | Description |
|---|---|
| Mobile Home Coverage | Covers damage to your mobile home from fire, wind, hail, lightning, and other covered perils. |
| Personal Property Coverage | Covers your personal belongings, such as furniture, appliances, and clothing, from theft, fire, and other covered perils. |
| Liability Coverage | Provides protection if someone is injured on your property or if you accidentally damage someone else’s property. |
When choosing a mobile home insurance policy in New Hampshire, it’s important to consider your specific needs and budget.
Make sure to compare quotes from multiple insurance providers to find the best coverage options for you.
Mobile Home Financing In New Hampshire
Financing a mobile home in New Hampshire is similar to financing a traditional home, but there are some differences to be aware of.
In this section, we’ll cover the basics of mobile home financing in New Hampshire.
Are There Mobile Home Lenders In New Hampshire?
Yes, there are lenders in New Hampshire that specialize in mobile home financing. These lenders understand the unique challenges of mobile home financing and can help you find the right loan for your needs.
Some of the lenders that offer mobile home financing in New Hampshire include:
| Lender Name | Website |
|---|---|
| New Hampshire Community Loan Fund | https://communityloanfund.org/focus/home-loans/ |
| Fairway Mortgage – New Hampshire | https://www.nhmortgages.com/mortgage-loans/financing-a-manufactured-home/ |
| New Hampshire Housing | https://www.nhhfa.org/new-hampshire-housing-launches-mortgage-loan-program-for-manufactured-homes-in-resident-owned-communities/ |
Can You Finance A Mobile Home In New Hampshire?
Yes, you can finance a mobile home in New Hampshire. There are a few different options available to you, including:
- Traditional mortgage loans
- FHA loans
- VA loans
- Home equity loans
Each of these options has its own pros and cons, so it’s important to do your research and find the right loan for your needs.
It’s also important to note that financing a mobile home may be more difficult than financing a traditional home.
Because mobile homes are often considered personal property rather than real estate, they may not qualify for traditional mortgage loans.
However, there are lenders that specialize in mobile home financing and can help you find the right loan for your needs.
Land Preparation and Removal
If you are a mobile home owner in New Hampshire, you need to know about land preparation and removal. This section will cover the costs of preparing land for a mobile home and removing a mobile home in New Hampshire.
How Much Does It Cost To Prepare Land For A Mobile Home In New Hampshire?
The cost of preparing land for a mobile home in New Hampshire varies depending on several factors. According to Clayton Homes, typical site preparation for a new manufactured home includes:
| Site Preparation Task | Estimated Cost |
|---|---|
| Soil Testing | $500 – $1,000 |
| Site Clearing and Grading | $2,000 – $6,000 |
| Foundation | $5,000 – $15,000 |
| Utilities Hookup | $2,000 – $5,000 |
Keep in mind that these are just estimates and the actual cost may vary depending on the specific requirements of your site.
How Much Does It Cost To Remove A Mobile Home In New Hampshire?
If you need to remove a mobile home in New Hampshire, there are several options available, including demolition, deconstruction, relocation, donation, and selling.
According to Hometown Demolition Contractors, the cost of removing a mobile home in New Hampshire varies depending on the method you choose:
| Removal Method | Estimated Cost |
|---|---|
| Demolition | $3,000 – $10,000 |
| Deconstruction | $1,000 – $5,000 |
| Relocation | $5,000 – $15,000 |
| Donation | $0 – $2,000 |
| Selling | $1,000 – $5,000 |
Again, these are just estimates and the actual cost may vary depending on the specific requirements of your site and the method you choose.
Furniture and Appliances
As a mobile home owner in New Hampshire, you want to make sure that your home is comfortable and functional.
One way to achieve this is by having the right furniture and appliances. Here are some tips to help you find what you need:
Where Can You Get Furniture For Mobile Homes In New Hampshire?
There are several places where you can find furniture for your mobile home in New Hampshire:
| Store Name | Website |
|---|---|
| American Freight | www.americanfreight.com |
| Bob’s Discount Furniture | www.mybobs.com |
| Goodwill | goodwillnne.org |
These stores offer a variety of furniture options at different price points. You can also check online marketplaces like Craigslist or Facebook Marketplace for used furniture.
Where Can You Get Appliances For Mobile Homes In New Hampshire?
When it comes to appliances for your mobile home in New Hampshire, you have several options:
| Store Name | Website |
|---|---|
| Best Buy | stores.bestbuy.com |
| Home Depot | www.homedepot.com |
| Lowe’s | www.lowes.com |
These stores offer a wide range of appliances, from refrigerators to ovens to washing machines. You can also check out local appliance stores in your area.
When shopping for furniture and appliances for your mobile home, make sure to measure your space beforehand to ensure that everything will fit properly. You may also want to consider getting furniture and appliances that are specifically designed for mobile homes, as they are often more compact and efficient.
New Hampshire Mobile Home Parks
If you own a mobile home in New Hampshire, you may be living in a mobile home park. Here are some things you should know about mobile home parks in the state:
Where Are Mobile Home Parks In New Hampshire?
There are currently 370 mobile home communities in New Hampshire with homes or available lots listed on MHVillage.
You can find mobile home parks in both rural and urban areas of the state.
Are There Mobile Home Parks That Allow Felons In New Hampshire?
Mobile home park owners in New Hampshire have the right to screen potential tenants for criminal history, but they cannot discriminate against individuals with a criminal record.
If you are a felon, you may still be able to find a mobile home park that will accept you as a tenant.
Are There Pet-Friendly Mobile Home Parks In New Hampshire?
Yes, there are pet-friendly mobile home parks in New Hampshire. However, each park may have its own rules and restrictions regarding pets. Be sure to check with the park owner or manager before bringing a pet into the park.
How Much Can A Mobile Home Park Raise Rent In New Hampshire?
Mobile home park owners in New Hampshire are required to give tenants at least 60 days notice before raising rent.
There is no limit on how much a park owner can raise rent, but the increase must be reasonable and not discriminatory.
If you feel that your rent increase is unreasonable, you can file a complaint with the NH Consumer Protection & Antitrust Bureau.
Can A Mobile Home Park Take Your Mobile Home In New Hampshire?
Mobile home park owners in New Hampshire cannot take your mobile home unless you violate park rules or fail to pay rent.
If you own your mobile home and rent the lot it sits on, the park owner cannot force you to sell your home or move it off the lot. However, they can evict you for violating park rules or failing to pay rent.
Who Regulates Mobile Home Parks In New Hampshire?
The Board of Manufactured Housing Laws and Rules regulates mobile home parks in New Hampshire. Park owners must comply with all building, housing, zoning, and health codes.
If you have a problem with a mobile home park, you can contact the NH Consumer Protection & Antitrust Bureau for assistance.
Legal Issues
As a mobile home owner in New Hampshire, it is important to be aware of the legal issues that may affect you. Here are some common questions and answers to help you navigate these issues:
Where Can You File A Complaint If There Are Problems With Your Mobile Home In New Hampshire?
If you are experiencing problems with your mobile home, you can file a complaint with the New Hampshire Attorney General’s Consumer Protection Bureau. They can help you with issues related to your landlord, repairs, and other concerns.
Do Mobile Homes Have To Be Registered In New Hampshire?
Yes, all mobile homes in New Hampshire must be registered with the state.
To register your mobile home, you will need to provide proof of ownership and pay a registration fee. Failure to register your mobile home can result in fines and penalties.
How Do You Detitle A Mobile Home In New Hampshire?
To detitle a mobile home in New Hampshire, you will need to complete a Manufactured Housing Detitling Application and submit it to the New Hampshire Division of Motor Vehicles.
Once your application is approved, your mobile home will be considered real property and will no longer require a title.
Does The New Hampshire Building Code Apply To Mobile Homes?
Yes, mobile homes in New Hampshire are subject to the same building codes as traditional homes.
This means that they must meet certain safety and construction standards to ensure the health and safety of their occupants.
Do You Need Planning Permission To Put A Mobile Home On Private Land In New Hampshire?
Yes, you will need to obtain planning permission before placing a mobile home on private land in New Hampshire. This is to ensure that the home meets all zoning and building requirements for the area.
How Can You Find Out If Land In New Hampshire Is Zoned For Mobile Home?
You can find out if land in New Hampshire is zoned for mobile homes by contacting the local zoning board or planning department.
They can provide you with information about the zoning laws and regulations in your area, as well as any restrictions on mobile homes.
Conclusion
Congratulations on becoming a mobile home owner in New Hampshire! You are now part of a community that values affordable and comfortable living.
As you settle into your new home, remember to keep in mind the regulations and laws that apply to mobile home ownership in the state. Be aware of your rights as a homeowner, and make sure to protect yourself from any potential scams or unfair practices.
Take advantage of the resources available to you, such as the New Hampshire Attorney General’s Consumer Sourcebook and the state’s legal aid services. These can provide you with valuable information and support should you ever need it.
Remember that owning a mobile home is not just about the property itself, but also about the community you live in. Take the time to get to know your neighbors and participate in community events. This can help you build strong relationships and create a sense of belonging.
With these tips and resources, you are well on your way to enjoying a fulfilling and secure life as a mobile home owner in New Hampshire. Best of luck to you!
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