Purchasing a new home can be stressful, but North Country Housing Solutions can help make the process streamlined and efficient. Our team will work with you to make sure that all your questions are answered and that your home choice fits your needs.
Here is the overall process of buying a new home.
Step One
Step Two
Step Three
Step Four
Step Five
Step Six
Step Seven
Step Eight
Step Nine
Step Ten
Step One
Choose a new home.
There are many factors that go into selecting your new home. Here are a few things to consider:
- Budget: how much can you afford to spend is one of the largest factors. Working up a budget that keeps your home affordable to you is important. Keep in mind that if you have a mortgage or loan on the home you will also need to play lot rent in a community, or property taxes if you own the land.
- Layout: once you have an idea of what you can afford, it’s time to look at layouts and configurations of different homes. This is where you decide if you want a single-wide or multi-section home. We will work with you based on the lot or building site to decide things like entry and exit doors, porch and stairs/ramp locations, and roof configuration.
- Options: here is somewhere that you have all the control. Everything from colors, cabinets, appliances, fixtures, flooring, wall treatments, and siding. These are just some of the options that we will work with you on when designing your new home.
Tour the community you are interested in moving into. This will give you a chance to see what lots and homes may be available and give you a feel for what life in the community will be like. We can answer any questions about rules and regulations, along with what is included in your lot rent. If you decide that you would like to proceed we will give you a new tenant application.
Step Two
Bank Loan
Several banks do financing for manufactured homes. We are happy to help you make connections with mortgage brokers that can work with you to acquire financing.
Step Three
Site Plan & Building Permit
Once the home has been selected and submitted to the factory for construction, NCHS will apply for the building permit with the local building and codes office. This will include the layout of the home and foundation plans.
Step Four
Pad Construction
This part of the process will be completed before the delivery of the new home. We will look at the floor plan of the home, along with the pier/pad plan, to determine the final location of the new home. There will be several factors with the placement of the new home such as existing water lines, septic tanks, and power pedestals. Once we have determined the final layout, NCHS will execute the foundation plan and complete the construction of the foundation that will be the final spot for the new home.
There are two basic types of construction:
Pier Construction: with this application, we will receive what is called a pier plan from the home manufacture that will specify the number and general location of what we call piers. The piers are large concrete blocks that will be put underground. The typical concrete block is 2-foot x 2-foot x 4-foot tall. They weigh roughly 2,250 pounds and designed to handle the weight of the home and prevent settling to occur. They are placed below the frost line 3 to 4 feet deep into the ground. This will be the base for a “jack stand” to sit on under the home. This construction type tends to be the least expensive but not always possible based on the site itself.
Poured Concrete Pad: this is a pad that is the same general dimensions as the new home. It is a monolithic poured concrete pad. Typically this will be insulated under the concrete and have a 2-foot thick section on the front and backside of the home. Between the front and back, the pad is typically 6 inches thick of concrete.
Step Five
Utility Planning
If a new power service is required, or a septic system needs to be installed, this will also take place before we take delivery of the new home. Some homes will be placed on pads that are already turn key and don’t need anything. Other homes will need everything installed before the home can be placed on the foundation.
Step Six
Home Delivery & Inspection
The day the home is delivered to the site we will do an inspection of the home to see if there was any damage in the delivery from the factory.
Step Seven
Home Set on Pad
Once the home has been delivered, we will have the home set on the foundation. This process can take anywhere from a few days to weeks depending on the location of the site. Once the home has been moved into place, the wheels, axles, and tongue are removed. The home will be leveled and put on a jack system that connects to the foundation. After the home is leveled and placed on the jack stands, it will be strapped down in accordance with New York State code.
Step Eight
Utility Hook Up + Stairs/Deck/Skirting
After the home has been placed on the foundation and strapped down, the utilities can be hooked up to the home. This will include the installation of the water line with heat tape, electrical connections to the meter service, and sewer line connections. Once these have all been completed, the next step will be to install the skirting around the home. This will be selected in advance and has several different options and qualities available. After completion of the skirting, we will have decks, stairs, and wraps installed based on the request from the new owners.
Step Nine
Certificate of Occupancy
Now that the home has been completed, we will meet with the local building and codes officer for a final inspection. If any corrections need to be taken we will address them, and once the home has been cleared we will receive a Certificate of Occupancy.
Step Ten
Close & Move in!
After receiving the Certificate of Occupancy, we will arrange for the closing of the new home. Once that has been completed the home will be ready to move into and enjoy!