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If you are the kind of person who hates to get caught up in paperwork, forms and all that sort of thing – that’s the kind of person who hires property management companies. Now these companies will usually take care of everything for you – right from advertising for tenants to screening them, signing them up, billing them, collecting and so on. This is one part that they do very well indeed. If you’re the kind of person who just can’t take all the paperwork that go into property ownership, property management companies are exactly whom you should go with.
If you want to go with an FHA loan, which is a loan with some assistance through the government for those with poor or fair credit, you can find manufactured home loans through them. They may also want you to put one of these on your own land rather than placing it somewhere else. They may or may not include land in the total loan. That is something you will have to find out. If you are interested in this route, find the nearest FHA lender and find out if you quality and what you can qualify for. They can even help you pay a lower down payment, so don’t skip this option if you are buying.
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Most people think that when the bank writes an interest rate into the loan agreement, that it might as well be set in stone. That’s not really how it is. The banks are aware that people are not able to pay. And they are aware that if they foreclose on your home, they really wouldn’t have a very good chance of selling the house and making any money off it. In other words, they are interested in doing whatever it takes to keep you paying. Go in and talk to them about lowering the interest rate so that you can afford to keep making payments.