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89122 : Real Estate Advice

  • All23
  • Local Info6
  • Home Buying11
  • Home Selling2
  • Market Conditions0

Activity 18
Sat Oct 7, 2017
Kathy Burgreen answered:
In your question, you stated that when buying in this mobile home park, you will get a title or deed for the land. Typically, most mobile home parks own the land - not you. However, it is possible that you will get a title or deed for the land. I just find this difficult to believe.

Answering your question, mortgage home lenders will be able to give you a loan for the land but you will need to prove in writing (a signed statement from the park itself) that you will receive a title or deed for the land only. Once lenders see this statement from the park management, you should have no problem.

As for the mobile home itself, this is personal property - not real estate. You need a "chattel mortgage" for the mobile home. Ask several banks about "chattel mortgages".
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0 votes 1 answer Share Flag
Sun Sep 24, 2017
Kathy Burgreen answered:
I assume you would be paying the monthly rent (lot fee) from your trust fund or disability check? You should be fine because you can prove it. The management / owner of any mobile park just wants to see proof of income. It makes no difference where the income is coming from. You just need to prove that you're responsible and have the finances to pay the monthly rent on time. The issue with a trust fund is you will have to convince management that you will NOT spend the money foolishly on yourself (vacations, cars, fancy clothes, etc.) If you can convince them that you will only spend it on food & basic needs, you should be fine. ... more
0 votes 1 answer Share Flag
Sun Sep 10, 2017
Cheryle Kerr asked:
Fri Sep 12, 2014
Hank Lauzon answered:
Hello Again,..

I just checked the link and it did not go directly to the search...

Type in this parcel number and it will give you the information that you are looking for

Hank Lauzon III
Signature Real Estate Group
9525 Hillwood Drive #120
Las Vegas, NV 89134

Cell 702-449-0899
Fax 702-799-9598

Web :

Never look down on anybody...unless you're helping them up.
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0 votes 2 answers Share Flag
Wed Jul 9, 2014
Hi Josie,
When shopping for a home, the best place to start is with a free City First Loan Pre-Approval. By simply clicking the link below or calling me directly, and going through a simple application process.....I can start you on the path to home ownership where you can bid with confidence. I can also place you with a seasoned Realtor to help you with your contracts so that you will be represented the way you deserve to be. Call me today, or click the link below to ask me how. I look forward to hearing from you!

Check me out at the link below and get your free approval today!

Thank you for choosing City First Mortgage Services,

Nathan T. Kessler | Sr. Mortgage Loan Originator

City First Mortgage Services
8871 W Flamingo Rd Suite 202
Las Vegas, NV 89147
(C) 702.683.3126 | (F) 702.974.0848 | (O) 702-522-6743
Company NMLS # 3117 | Branch NMLS # 819501
Individual NMLS # 377217 NV #46175
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0 votes 3 answers Share Flag
Thu Feb 6, 2014
I have a great alternative to hard money. With 20% down, depending on your FICO you would be looking at rates between 7.95%-12.25%. The cost is minimal as compared to Hard Money. Call me today for your free quote. I look forward to hearing from you.

Check me out on the National Real Estate Post and get your clients an approval today!

Thank you for choosing City First Mortgage Services,

Nathan T. Kessler | Sr. Mortgage Loan Originator
City First Mortgage Services
8871 W Flamingo Rd Suite 202
Las Vegas, NV 89147
(C) 702.683.3126 | (F) 702.974.0848 | (O) 702-522-6743
Company NMLS # 3117 | Branch NMLS # 819501
Individual NMLS # 377217 NV #46175
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0 votes 16 answers Share Flag
Mon Oct 14, 2013
David Cooper answered:
The lender that declined your app must give you your Special Real Estate FICO score. This score is only available to mortgage lenders. You are also entitled to get a FREE Credit Report based on you being declined. I wouldn't do anything until I knew exactly what was the reason

David Cooper Superior Research for a Better Buying opportunity
FREE Consultation 1.888.616.6226
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0 votes 9 answers Share Flag
Sat Sep 21, 2013
Becky Zisk answered:
Eddie, I don't understand "Why" the title company would report the original asking price. You should only be taxed on the price you paid for the property. I suggest you contact the tax assessors office and if you don't get results, file a complaint. Good luck! Becky ... more
0 votes 3 answers Share Flag
Sat Aug 31, 2013
K answered:
Fri Jun 7, 2013
Armour answered:
I would suggest you list it on a mobile home website. Most real estate websites attract buyers looking to purchase a stick built home. There are websites designed to attract only mobile/manufactured home buyers. This will greatly increase your chance of selling your home. The website I recommend is The biggest reason for this recommendation is because they have private buyers who frequently visit the site, but they also have brokers who are always willing to negotiate a quick deal. You might as well look at all your options at once. Just a suggestion. :) ... more
0 votes 2 answers Share Flag
Mon Jan 7, 2013
Ron Thomas answered:
I have always gotten, not only the FINAL HUD1, but also a preliminary HUD1, after about a week.
Didn't your Realtor ask for this, for you?

If you didn't ask for it, you probably only received the FINAL HUD1 in the big binder when you signed.

You shouldn't have to ask for it; but it is YOUR house, YOUR deal, YOUR loan, YOUR responsability to protect yourself.
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0 votes 2 answers Share Flag
Tue Oct 23, 2012
Robert Adams answered:
Was the Residential Purchase Agreement writen to include a financing contigency? If so and you did not waive that right via any counter offer or addendum then the answer is yes you should get your EMD back due to your financing contingency.

Do you currently have an agent representing you? f so they should be able to answer this very easily once reviewing your contracts.

Best Regards,
Robert Adams
The Adams Team at
Rothwell Gornt Companies
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0 votes 6 answers Share Flag
Sat Jun 2, 2012
Robert Peddicord answered:
Of course, manufactured homes CAN BE converted to “real property.” I have been involved in such a venture, (as the loan officer). The one I did cost several thousands of dollars, (~$4000 ish). But, it can be done. You want to make sure you are working with a contractor who has the experience and knows his way around the building permits. Make sure the contractor is familiar with FHA standards. Stuff like that. But, it can be done.

Give me a call if you need the lead to a good contractor, or a local lender who can loan you money on the finished project.

Good luck!

Robert K. Peddicord
Real Estate Consultant
Prudential Americana Group, REALTORS®
Direct: (702) 218-3974
E-Fax: (702) 317-3371
Email :
Web :

871 Coronado Center Dr.
Suite 100
Henderson, NV 89052
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1 vote 4 answers Share Flag
Tue Mar 29, 2011
Steven Goldman answered:
Good day Wendy,
Could you be asking about a mortgage servicing company?

In the State of Nevada the "Title" of the property is in the name of the owner of the property. Not the Mortgage Company or title Company.
The Title company hired by a Buyer looks at past recordings of ownership and liens for a clean record of Owners and lien releases. If there is a reason that the current Seller's Title in not "Clean", the "Title Company" will take steps to "Clear" the title and them record the new Owner's name as the current Owner with clear, marketable "Title" to the property.
Sometimes the "Title Company cannot "Clear" the "Title". This can be caused by a lien that is not released, a past signing issue, recording issues of past owners, and my favorite, vesting issues.
If the Title company cannot 'Clear" the issues, the Title Company will not issue Title Insurance to the new Owner (Buyer). Without title Insurance, the Buyer and the mortgage company are on their own to settle any challenges to the rightful ownership now and in the future.
Lenders will not loan funds on a property that do not have "Clean Title". That becomes an issue when selling. Once a "Title" has a cloud (also known as an imperfection) in the title, the property is not marketable as all future Buyers will also have a suspect claim to ownership.

What do we do with a clouded title? We trace back to the last clear title recorded and then attempt to solve the imperfection of the chain of ownership. Sometimes it can be cleared. Sometimes not. If not, go get another property. You will not be allowed to get title Insurance in the future until the Title is clear.

I am available to chat personally with you concerning any of the issues mentioned. Always remember to seek an attorney for legal issues.

Please contact me immediately if you know a person that cannot make their mortgage payments. I will work with them to avoid foreclosure or bankruptcy at no charge or fees to them.

Steven Goldman, CRS
Broker Salesman
Certified Short Sale Professional (CSP)
REO-BPO Certified
Realty One Group
Direct 702-242-1372
Web Site:
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0 votes 1 answer Share Flag
Thu Jan 20, 2011
Steve Matthews answered:
Hello Penny,

I hope it isn't too early to say Congratulations! But, it is good to hear that you might finally get to move in this weekend. Perhaps the housewarming will seem all the sweeter since youhad to wait so darn long to get in.

It sounds like you got hung up at step #1 below... Your lender's underwriter didn't like what she saw with the documents and required a resign.

Best wishes for you in your new home. From tomorrow on, may your home only bring you peace, comfort, and joy.
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1 vote 9 answers Share Flag
Wed Jul 29, 2009
Penster1954 answered:
I used to live in Stallion Mountain. The area is very nice and clean. However the surrounding area is, in my humble opinion, down market. Remember the golf course has gone into bankruptcy. Who knows what will happen to the golf course in the future. The homes are Pulte/Del Webb which are Very Well Built. The schools however are not rated extremely high. HOA's are higher for the smaller homes, because they include the pool and the gym. Larger homes have a lower HOA, because they do NOT include the pool and gym privileges. I hope my answer was somewhat helpful to you. Good luck in your home search. ... more
0 votes 3 answers Share Flag
Mon Jun 8, 2009
Linda Ikoma answered:
Is your home a single story? We are looking to buy one. Did you want to sell one or are you trying to find a way to keep both homes? To the other/Just looking las vegas, nv
0 votes 4 answers Share Flag
Wed Jan 2, 2008
Donald J. Leske II answered:
Hi Pat,

Of course my input is that you contact a local Real Estate Agent, naturally.

But guess what? - No kidding, I actually had looked into an area near Huntington Beach for a vacation property and called a local Agent I found on the web. You can find some online, but a local agent will give you more help. Not all do rentals, some do however and many are listed on the MLS too. ... more
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