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Repossessed Mobile Homes – A Guide to Finding Mobile Homes in Foreclosure

admin — Fri, 30 Apr 2010 22:22:23 +0000

Sadly not everyone who buys a mobile home can afford it. When they figure out how much they can afford in monthly home payments, they may forget to calculate in lot fees, utilities, taxes and the like. Plus, since many mobile home buyers arrange for their financing through the mobile home manufacturer rather than through a bank – most mobile homes are financed via personal property loans, not traditional real estate mortgages – people are more likely to have been sold a home they cannot afford. Not only that, but such loans do not have foreclosure protection and the mobile home can be repossessed, just like a car, without notice or going through foreclosure proceedings.

This means that there are many quality mobile homes available. Mobile homes – or manufactured homes, as they are called today – are not like our parents’ mobile homes. Cathedral ceilings, hot tubs, fireplaces and the like are often found in today’s manufactured homes. Plus mobile homes of 1,800 to 2.000 square feet or more are not uncommon.

For someone looking to get a good deal, a newer used or repossessed mobile home can be quite a bargain. As mobile homes, particularly those in trailer parks tend to depreciate in value, rather than increase like a traditional built home would, you can find a great home at a bargain price.

Many mobile homes in foreclosure can be found in trailer parkers. You can ask park management if they are aware of any homes in foreclosure. Most park owners are well aware of what is going on in their parks.

HUD is another source of mobile home foreclosures since many first-time mobile home buyers qualify for FHA loans. HUD sells these foreclosed properties to recover the loss on the foreclosure claim. You can start your search on the HUD Homes webpage.

The VA (Veterans Administration) is another source for foreclosed mobile homes as is Fannie Mae. Like HUD, the VA and Fannie Mae help people with financing mobile homes and, as a result, handle foreclosures for people who have defaulted on their loans.

By: Milt Wapner

Do You Want to Start a Mobile Home Remodeling Addition?

admin — Thu, 29 Apr 2010 07:52:45 +0000

A mobile home remodeling addition is a great way to add more space to your home. Most mobile homes are fairly small and it is difficult to have a growing family in one. If you own the land that your home is on, you might want to consider adding an addition to your home.

You can use a computer program to design your addition or just make up some of your own designs. You can also hire an architect who is trained in creating additions for real estate that is similar to what you want your home to look like.

The Decision Process

Deciding on the interior design of your addition is often the hardest part. You will only have a limited amount of money, but you want to maximize the space that you are adding on to your home. Homes that have a good design will automatically feel more comfortable.

When you start to remodel you will also need to decide on the quality of products that you will be putting into your home. Building products come in a variety of styles and costs, so you will need to do your homework to make the right decision for your needs.

There are many different little decisions that you will have to make throughout the process of your remodel or addition. You may have to pick out cabinets, create a color palette, or even decide where electrical outlets need to go.

The Plan

It is important to have a plan when you begin your remodeling project. You will need to create a budget and repair the budget as needed throughout the building process. Creative home remodeling is often necessary to stay within your ideal budget.

Once you have come up with a reasonable budget, then you will need to start looking into contractors that can complete the work for that budgeted price. You will want to find a contractor that is good and has references from previous clients. Make sure and actually call those past clients and talk to them about their project.

After hiring a contractor you will want to stay as active in the remodeling process as you can. Stay informed of the progress and continually ask for updates. It will be easier to remedy any problems if you know about them well in advance.

Remodeling or adding onto your home is a fun and exciting project, but it can also be a bit overwhelming if you have not planned correctly. Make sure you spend the necessary time planning your project so you do not have more problems later on.

Stick to your budget as close as you can and you will avoid spending more money than you wanted to. The additional space that you add on is a great way to increase your home’s value while adding comfort to your family’s daily life. Now get started on planning your mobile home remodel… It is a long process … that will be full of many ups and downs… but well worth it in the end!

By: Mike Jerry

Mobile Home Foreclosure

admin — Tue, 27 Apr 2010 20:17:12 +0000

Mobile home foreclosures are not a regular occurrence due to the fact that most mobile home loans are made through private lenders, when a person defaults on the loan, the home will be repossessed as if it were a car. Then the owner has about 30 days depending on the terms of their agreement to bring the payments on the mobile home up to date or it will be sold. However if the person has a conventional mortgage the buyer has a little more protection against this occurring.

If your home was bought through convention lending methods you have some protection because the laws of foreclosure require you to be given notice and to give you ample opportunity to pay the default before removing the home.

A lot of times when you buy a home and use a private lender you can be sued and have to pay for a home you no longer have in your possession. In the last decade the rate of repossession has sky rocketed lowering the resale value of homes significantly. The reason is because the owner has no protection from repossession and usually cant pay the high cost of getting the home returned. Mobile home foreclosure is different because the lender will give you time or make payment arrangements with you. It also requires the lender to get a court order before they can take custody of the home.

You also have some other rights such as the right to cure the problem by repaying your payments or by obtaining another loan to cure the debt. Another law that would protect you is that if your home is reposed the lender cannot take any further action once he has custody of the home; he cannot sue you for the remaining balance. You may also declare their home a homestead, meaning it is your primary residence and it protects against repossession by your creditors.

If you are buying a mobile home, protect your self against mobile home foreclosure by getting a conventional loan. There are many reasons which can lead you towards foreclosure. If you get a loan from a bank or any other financial institute against your mobile home, and you are not able to pay it back as planned, you will be in great trouble. It is important that you pay attention towards this issue before it gets out of hand. Avoiding foreclosure is important. The foreclosures are a dreadful way of losing your property. The property is sold only to get the amount of loan back so most of the times it is sold at a price much lower than the market price. Avoid such foreclosures by thinking about the financial issues in advance.

By: Robert Grazian

Mobile Mania

admin — Tue, 27 Apr 2010 17:53:28 +0000

Technology development has revolutionized India, particularly in the field of communication. Internet, e-mail & mobile phones are making peoples life easier. Among this, mobile phones have become a mania in India. Here are the few actions of mobile users to support this statement.

If you had keenly watched mobile users, you would have noticed that whether they receive any call or not, yet they used to take out the mobile from their pocket, switch it on and stare at the screen for a while and put it near their ear and again stare at the screen for a while before switching it off and put it back in their pocket again. I am really amazed to see the frequency of the action almost every fifteen minutes. Yes, Indian mobile users love to flaunt their mobile in the public.

No mater how important you are. No matter what important matter you are discussing with the mobile user, his/her attention always drawn towards the call received in their mobile. The moment they receive the call, they never hesitate to abandon you in the middle to attend their call. Once the call is over, you have to begin your discussion from the beginning, as she/he would be in a state of trance after attending the call. Here is a lesson, if you want to be listened properly, try to talk in mobile phone next time.

Employers are the happiest lot to have mobile phones as it helps them to track their employees all the time. On the other day when I was traveling in the bus, one passenger sitting next to me, a mobile in his hand, giving almost a running commentary about his journey by giving exact details of each stop, where he is now and when he would reach a particular point. I presumed that probably he might be speaking to his boss (!).

Mobile users also don’t have any etiquette. Once I was attending a condolence meeting. Large people gathered at a big hall. The whole atmosphere was very calm and serene. At the middle of the crowd a middle aged man who was sitting silently for a long, suddenly stood up as if he was bitten by some insect and looked around the hall in a hurry. After few seconds, he was started running to the corner of the hall. I was totally stunned to see his action. Since the meeting was on, I controlled my curiosity. Once the meeting was over I asked the person about his erratic behaviour. Without any embarrassment in his face, he told me casually that he just attended the telephone call in his mobile (!)

While walking on the road, if you happened to see motorcycle riders with their head bent towards their shoulders; don’t think that they are handicapped. Probably they may be attending their mobile call by holding the mobile set between their head and shoulders (!)

People are in the habit of noticing you only if you have a mobile phone. If anybody asks you what is your mobile number, if you say you have only landline, he/she will stare at you as if you have come from some tribal area (!)

(Mail your response to ramasamy59@hotmail.com)

By: V Ramasamy

GSM Quad Band Mobile Phones

admin — Tue, 27 Apr 2010 10:49:35 +0000

To this day, there are more than more than 690 GSM mobile networks across 213 countries and consists of 82.4% of all global mobile connections. According to statistics available there are more than 2 billion GSM mobile users in the world, with China having the largest users with more than 370 million, and Russia following with 145 million users. While US have 78 million, India has 83 million using the GSM service.

A mobile phone can be a bewildering affair for a traveler. It is mostly incompatibility with the network of your visiting country, since every country in the world has different frequency band of operation.

Almost all parts of the world operate on GSM technology, except USA and Canada. Originally GSM operated at a frequency of 900 MHz, which is being continuously upgraded and now works on 1,800 MHz service. With a GSM phone, you can access service in 212 different countries. Some of the mobile phones available in the United States and Canada operate on GSM, but most of them are of a different frequency band. The GSM service available in North America is of a totally different frequency of 1,900 MHz and sometimes 850 MHz, which is different from the standard of 1,800 MHz. Not all countries in the world use the standard 900/1,800 MHz GSM. The exceptions being, Canada, Mexico, Japan, Korea, and some Central/South American countries, with some limited coverage of the standard GSM networks.

Today, mobile phones have become a part of daily living. We often wonder how we ever lived without them. Whether you are traveling on business or on a holiday, mobile phones offer incredible services during your journey. However, they also present some challenges, when you wonder if that mobile phone you have will work while you travel from one place to the other.

There are three bands on which the mobile transmission is based on, with different countries operating on a different frequency falling under different bands. Today, quad band mobile phones take away the fear in you, relieving you from that worry, if your mobile phone will work in UK.

The obvious convenience of having a mobile phone makes you feel safe where-ever you are, with the facility that it has to quick-access for help when you need it and talk to the people important to you. It is one of the most economical and essential life-long product in anyone’s life today. Think about those olden days when you had to make a call from your hotel room. Think about the bill that you paid, just for your telephone calls. Now you have a mobile phone, a partner to your daily life. You can already feel the difference. Today, many of these phones are being offered with exceptional plans that may include, free airtime, cheaper long distance charges and in some cases cheaper international roaming charges. In India, for example, service providers have started to offer life time incoming calls on pre-paid sim cards of your mobile. Realising such a benefit, you feel comfortable that atleast you are available on your mobile phone. Prices are dropping every month, which started with a huge investment when mobile phones were first introduced.

Let us look at why all mobile phones are not compatible.

There are two explanations to this reason. The first one being that all service providers in this world do not operate on the same radio frequency band and encoding services. Therefore, when you travel to UK, your phone might not be compatible with the kind of frequencies that the service providers offer.

The second point is a bit complicated. To enable a mobile phone from the United States to work in UK, the service providers in UK, or vice-versa, must have a cross-billing arrangement with one or more service providers in the other country. This cross-billing arrangement is a commercial deal between the service providers of the two countries, which results in allowing roaming in your mobile phone. In some cases the roaming facility in your phone, needs to be activated by your service provider in US. If this is the case, then, you have to have roaming enabled before you go out of the country. This arrangement falls under International Roaming. The same is the case with National Roaming. Therefore, you need to have such a phone, which would accept all the three bands the service providers operates on in this word, and such a phone is the one with quad band features. Dual band phones on the other hand would work anywhere in the world except the Unites states.

Let us look at some of the problems with mobile phones in the United States. If you are in US and you have a mobile phone which you would like to have the international roaming facility, your best bet would be to sign up with service provider who provides GSM. The two major GSM service providers in US are T-Mobile and Cingular, with the consideration that AT&T has now been merged with Cingular.

This sounds like a perfect solution. You now have one phone which works all over the world. If you have decided on such an arrangement, it must be what you want. But, you need to consider that GSM service is quite limited in US. That takes you back a bit. No, there is no solution for that. To have your way, you will have to maintain two mobile phones, one with a major established network in US and a second; having the GSM service with roaming features.

GSM is a state-of-art technology, offering fax capability and Short Messaging Service (SMS). Most of the service providers offer e-mail to SMS feature, making it possible to receive important announcements and information over your mobile phone, viz., receiving flight updates and breaking news alerts. Many offer quick connectivity to ISDN services, there by allowing fast data transmission. The latest generation offers Global Packet Radio Service (GPRS), which enables you to connect to a high-speed data communication channel, faster than 9,600 bps.

We have discussed the limitation of GSM services available in US vis-