How to Buy a Manufactured Home in Alabama: A Step by Step Guide

Buying a Manufactured Home in Alabama: What You Need to Know

Thinking about buying a manufactured or mobile home in Alabama? You’re in the right place! Whether you’re a first-time homebuyer, downsizing, or just looking for a more affordable housing option, manufactured homes offer comfort, style, and savings. At Oxford Housing, Inc., we’ve been helping families find their perfect home since 1986—and we’re here to walk you through the process.

Here’s a simple step-by-step guide to buying a manufactured home in Alabama:

1. Figure Out Your Budget

   Before anything else, decide how much you’re comfortable spending. Consider your monthly income, expenses, and how much of a down payment you can afford. Manufactured homes in Alabama can range from $60,000 to over $150,000, depending on size and features.

   
   

   Pro tip: Don’t forget to factor in land costs, utility hookups, and setup fees if you're not placing your home in a community.

   
   

2. Choose the Right Dealer (This Part Matters!)

   Not all dealerships are created equal. When you’re making a major purchase like a home, it’s important to work with a company that puts your needs first—not just a quick sale.

   
   

   At Oxford Housing, we believe in no-pressure guidance and honest answers. We won’t try to upsell you on features you don’t need or rush you into a decision.

   
   

   

   No Surprise Credit Checks: We don’t run your credit until you’re absolutely ready to begin the financing process. This gives you time to explore your options, ask questions, and make sure you’re comfortable—no pressure, no stress. We also only run it once, not multiple times. We work with our financing companies to make sure they are the right fit for you from the beginning!

   
   

   Choose a dealer who:

   • Has a good local reputation

   • Clearly explains costs and options

   • Lets you look without rushing your decision

   • Offers ongoing support, even after the sale

3. Check Your Financing Options

Most buyers finance their manufactured home purchase. You can apply through banks, credit unions, or lenders who specialize in manufactured home loans.

Common financing options include:

• FHA or VA loans

• Chattel loans (for home-only purchases)

• Land-home packages (if you’re buying land too)

What you’ll need to apply for financing:

To get started, all you need is your driver's license—that’s it!Once your lender sends back your loan conditions, that’s when you’ll gather the rest of the documents, like:

• Proof of income (pay stubs or tax returns)

• Bank statements

• Any additional verification the lender requests

Remember with Us, No Surprise Credit Checks: We don’t run your credit until you’re absolutely ready to move forward. That means you can come in, ask questions, and explore your options without any pressure or impact to your score.

Whether you’re just browsing or fully ready to buy, we’re here to guide you every step of the way.

4. Choose the Right Home for You

   Think about your must-haves:

   • How many bedrooms and bathrooms?

   • Do you want an open floor plan or a separate dining room?

   • Is a large kitchen or walk-in closet important?

   At Oxford Housing, Inc., we carry trusted brands like Kabco and TruMH, with options that fit all lifestyles and budgets. You can view all available models online or stop by to tour homes in person.

5. Submit Your Financing Application

   Once you’ve chosen a home, it’s time to submit your loan application. We’ll walk you through the paperwork and help you submit to trusted lenders.

   
   

   If the lender sends back a counter-offer, don’t worry—we’ll go over your options and help you adjust if needed.

   
   

   

   
   
   
   

6. Site Prep

   After financing is approved, your home is either selected from available inventory or custom-ordered. While your home and financing is being prepared:

   • Site work begins (grading, foundation, utility setup)

   • Permits are pulled (we’ll guide you on what’s needed)

   • Timeline is set for delivery and setup

   
   

7. Home Delivery and Set Up

   Once the home arrives, it will be:

   • Delivered and placed on your site

   • Professionally leveled and anchored

   • Connected to utilities

   • Inspected to meet state and HUD standards

   
   

8. Move In and Make it Home!

   Once the setup is complete and final checks are done, it’s time to move in. Whether you’re decorating your front porch or setting up your dream kitchen, you’re officially a homeowner!

   
   

   What happens after move-in?

   We know that once you’ve lived in your home for a little while, you might notice small things that need attention. That’s totally normal—manufactured homes can shift a bit as they settle.

   
   

   

   
   

   That’s why we offer a 90-day punch list: You’ll have time to live in the home and create a list of any minor fixes or adjustments you’d like us to take care of. Whether it’s a cabinet that needs tightening or a door that needs adjusting, we’ve got you covered.

   It’s just another way we make sure you’re happy long after the keys are in your hand.

Let’s Make Homeownership Simple

At Oxford Housing, Inc., we make buying a manufactured home easy, stress-free, and personalized to your needs. No high-pressure tactics, no sneaky credit pulls—just honest help from a team that cares.

Visit us in Oxford, Alabama or browse our homes online.

Call us today to schedule a tour—we’d love to show you around.