Buyer's Guide NEW 2009 FIRST TIME HOME BUYERS INCENTIVE With the new stimulus package came an outstanding incentive for first time home buyers. The federal government is going to give you back ten percent of the purcahse price of your home, up to $8,000.00 maximum. You can get the money back when you do your 2008 or 2009 taxes. You can even amend your 2008 taxes if you've already done them to get the refund right after you buy. This is a first time ever programs which should really help alot of qualified buyers to purchase a home. Since most bank loans require ten percent down payment you will literally get your down payment back upon doing your taxes. How often does that happen????? We always have a variety of homes from handy-man specials to brand new 2008 homes. We have sold over 250 homes in almost every community in the county. Let us know what you're looking for...and we'll let you know if it's out there. We will be with you from the first time looking at the home right through closing day and after.
Our services include: Brand new homes delivered to your site Financing Home Inspections Appraisals Insurance Service Plans for used homes Park Application Assistance |  |
Brand new homes delivered to your site Valley Mobile, Inc has brand new homes for sale that we can deliver to your property. We offer several manufacturers to choose from, however we do not have a showroom to see new homes. We have available from 12 feet wide homes up to our largest a 28X80, over 2100 square foot home. Call for details. Financing available Valley Mobile, Inc. has contacts for a multitude of lenders from local NY companies to out of state lenders for your financing needs. Most lenders want a credit score of 600 or better and some require a 650 score. We always have applications on hand at all times for any of our homes for sale. Check the listings as some of the homes are cash only and some homes have private financing available where you do not need a bank loan.
Home Inspections Since mobile homes are sold as is, we always recommend getting a home inspection prior to buying a home. Prices usuallly vary according to the level of inspection done. We have a list of Certified Home Inspectors from the area to choose from. Appraisals We take care of the appraisal as well or you can choose your own appraiser. Every lender will have their own requirements on the appraisal. Appraisals are currently $250-300. Market Value Report Valley Mobile, Inc. has sold more homes than anyone and offers a market value report which can often be used for divorces/estate valuations or general information. It is similar to an appraisal however, we are not licensed as appraisers. The cost for this is $250 and are usually done within 48 hours of the request. Insurance Homeowners insurance is always recommended and almost always required by the lender and/or the community. Most Lenders also offer insurance for the homes or we can supply a list of local insurance companies that do insure mobile homes in communities. They also insure the contents of the home and all of your personal belongings. Service plans for used homes Feel confident with a home warranty service plans for your appliances, hot water heater, furnace. Prices vary based on the age of the home and other factors. Community Application Assistance Each Mobile Home Community will have their own application process. We will either have the application available to apply or we will have available the contact number to call for the information. Each community has different criteria for applying as they are owned by different people. All will have an application that needs to be submitted and approved prior to moving into the community. We are familiar with almost every community in the area and can assist you in this process.
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