PRESTIGE HOME CENTERS, INC.
OCALA, FLORIDA

provides mortgage financing to retail customers who purchase manufactured homes at Prestige retail sales centers. These agreements, which originate and service loans, gives Prestige more control over the financing aspect of the retail home sales process and allow it to offer better products and services to its retail customers. We offer: competitive rates, same day decisions, FHA financing, bi-weekly payments, 30-year financing, land-in-lieu of down payment, down payments as low as 5%, automatic drafts, first-time buyer's program, land/home loans, and friendly service. We even offer financing for those with minor credit impairments. Ask about our exclusive Before you buy a home, there are three basic options you can consider. First, you could plan to place your manufactured home on land you own or intend to buy. If you choose this option, you must consider zoning laws, restrictive covenants, and hookup regulations. Second, you could plan to place your manufactured home on a leased homesite in a manufactured housing development, in which case the company managing the development will normally take care of these considerations. Third, you could decide to buy a home already on a homesite in a planned community, which makes it easy. If you plan to buy land, there are several matters to consider. Your retailer can help you with the following concerns: Although a manufactured home comes with plumbing, electrical, and heating systems, it must be connected to utilities. Contact your local public utility companies for connection and cost information. Not all areas have local water lines and you may have to drill a well. Check with a local well-drilling company about costs and whether success is guaranteed. Florida generally has excellent quality ground water, but it never hurts to check with local health department for questions about water quality. Q Are there any special requirements or restrictions if I sell my home? Prior to agreeing to anything, be sure you read and understand the terms of the lease agreement and the rules and regulations of the community, as you will be expected to abide by them. In Florida, Mobile Home Communities are regulated by Florida Statutes Chapter 723 and by the Department of Business and Professional Regulation (FL DBPR). The Department has published a list of Section 320.8285, Florida Statutes provides that: “Each county or municipality in this state shall be responsible for the onsite inspection of each mobile home installation located within the jurisdiction of such entity.” This means that a local government building department must issue a permit for the installation of each mobile/manufactured home set-up in Florida and must inspect the installation to ensure that it complies with the requirements of Rule Chapter 15C-1, Florida Administrative Code. The site must be clear of debris and water should be directed away from the home's foundation. No. Section 320.8249, Florida Statutes and Rule Chapter Rule 15C-2, F.A.C., require that only licensed mobile/manufactured home installers may set-up a mobile/manufactured home in Florida. The installation guide that comes with your home provides more detailed information. The important point to remember, however, is that although this guide is informative and detailed, it is not designed to enable you to install your home yourself. Leave installation to the professionals. Before your home is installed, make sure the site has been properly prepared. Careful attention to the following details will help ensure satisfaction with your home for years to come. Your retailer can provide you with valuable guidance and assistance. Manufacturers must provide instructions for proper home installation. Usually, the retailer will install your home or use a contractor. Typically, the price of your home includes installation. You should get a written explanation of the installation services from your retailer. If installation isn't included, you may have to hire a professional. Ask your retailer for recommendations. Whether the retailer or a contractor installs your home, follow these guidelines listed below. They will help you understand what you're paying for and how to check that the work has been done properly. You'll also better understand your warranty protections. To help minimize damage from high winds your home should be anchored to the ground or concrete footers. Anchoring must comply with the manufacturer's instructions or as required by local codes. This is not a "do-it-yourself" project. Ask your retailer for more information. Your home may need finishing work, such as an enclosure around the crawl space. The enclosure must provide for adequate ventilation. If you have a multisection home, finishing work may include molding and joining carpet on the interior, and siding and roofing work on the exterior. Installation should include connections to water, electricity, gas, and sewer. If connections aren't included in the installation price, you'll have to contract for them separately. Your retailer can help you with the arrangements, or you can contact local authorities for more information. Examine the entire house. Look at the walls, the floors, and the ceilings. Be certain that all faucets and appliances work. You will want to make your inspection of the home in an organized way. A good strategy is to inspect the outside of your home first and then check the interior, carefully going through each room. Many manufacturers provide a checklist in the owner's manual of items you should inspect. You should fill out the checklist and return it to the manufacturer as soon as possible. The manufacturer's warranty coverage varies among manufacturers. Retailers must make copies of warranties offered on the homes they sell available for you to review and read before you buy a home. Read them and compare coverage. The following questions may help you in doing this. Q. How do I get warranty service? Who will provide it? Q. Are extended warranties available from the manufacturer? If so, what do they cover and cost? Manufacturer warranties generally cover substantial defects in the following areas: Workmanship in the structure; Factory-installed plumbing, heating, and electrical systems; and Factory-installed appliances, which may also be covered by separate appliance manufacturer warranties. Manufacturer warranties DO NOT cover: Improper installation and maintenance; Accidents; Owner negligence; Unauthorized repairs; or Normal wear and aging. Ensure that the manufacturer's maintenance and repair instructions (contained in the consumer/homeowner's manual) are followed to keep your warranty in effect. While your retailer will perform some warranty service, the manufacturer is responsible for making sure repairs are done and completed in a timely manner.