Buying a mobile home in Michigan can be an affordable, flexible path to homeownership—but it comes with its own checklist. Whether you’re a first-time buyer or relocating within the state, these five tips will help you make confident, informed decisions.
1. Understand Your Budget and Financing Options
Start by getting pre-approved for financing if you’re not paying cash. Michigan offers financing through credit unions, banks, and specialty lenders. Be aware of down payment requirements and interest rates, especially for mobile homes not permanently affixed to land.
2. Know the Difference Between Land-Owned and Park Homes
Do you want to own the land or lease space in a mobile home community? In Michigan, both are common. Communities often provide amenities, while land ownership offers more long-term value.
3. Research Local Zoning and Title Requirements
Each county in Michigan has its own zoning codes and title rules. Always verify the home’s title is clear, and ensure it’s properly classified as either personal or real property.
4. Get a Full Home Inspection
Mobile homes are built differently from site-built homes, and issues can go unnoticed. Hire a licensed inspector to check for structural soundness, roof condition, plumbing, and HVAC.
5. Work with a Local Mobile Home Broker
A Michigan-based broker understands community guidelines, market value, and the paperwork process. They can streamline your experience and help avoid common pitfalls.
Looking to buy in Michigan? Contact our team to start your mobile home search today!