Most home buyers first decide on the floor plan of their choice. A contract is then written for the home with any necessary subject-to clauses such as finding appropriate property, financing or permitting approval. A good-faith deposit is made and the securing of financing and permitting follows. During this process the options and décor choices for the home are selected and an order is written. This shows the specific floor plan, the standard and optional features as well as interior and exterior décor selections. The floor plan is marked to indicate locations of telephone, cable, and extra electrical outlets or lights.
When the contract subject-to clauses are met they are released and the final contracts are written showing any changes or corrections to the original. This may include additional features that have been selected, an on-site garage or porch, as well as financing details. In most cases there is a separate contract for the home and the site preparation. At this time any additional down payment required is paid.
Oak Creek Homes can assist in the selection of a home site. Our in-house Real Estate service will assist with finding the lot, acreage or park location (leased land) that suits your lifestyle and your budget.
A site inspection allows a Professional contractor to meet with you to get a clear understanding of how you envision your home on your chosen location. The on-site amenities you want to add such as decks, sidewalks, garages etc. are talked about. Local code issues can be discussed and any necessary easements or wetlands issues can be addressed.
Once the permit is issued, the home is ordered and the contractor beings the site preparation work. While the foundation and utility work progresses the home is being constructed and readied for shipment. When the site is ready the home is transported and assembled, insuring minimal weather exposure.
Professional contractors make sure your home is secure and meets or surpasses all local building regulations. The exterior and interior finishing of the home usually takes place while the site contractor completes the utility connections and the skirting and backfilling is done. Professional technicians test electrical, plumbing and mechanical systems and checks doors and windows for proper adjustment. The interior trim is finished and the home is cleaned.
When the work on the home and the site are complete the building permit final inspection takes place. At this time an occupancy permit for the project is issued. In many cases this is a sign-off on the permit rather than an actual document. The homeowner walk-thru then takes place and if necessary repairs are scheduled. Proper operation of the appliances and home systems are explained as well as the 10-year home warranty. This final inspection may take place just prior to closing or just after the final closing.
The financing documents are usually signed at the time of closing. This is typically done with an escrow agent at a Title Company but may be handled by the financing institution at their local office. The mortgage funds are reconciled and the final draws on the loan are made to pay off any remaining balances due on the home, the property and the site preparation. Once this closing has taken place your home is ready for occupancy and the keys to your new home are presented.
One of the major advantages of manufactured homes is the shorter length of the project from start to finish. Many steps in the process can be done simultaneously rather than waiting for one step to complete before another can begin. In a site-built home this process slows the project down while one sub-contractor after another does work on the home. A manufactured home provides a faster and more economical home package while maintaining the quality of the project; thus providing a home ownership opportunity for millions of families.