FAQ's

We have compiled a list of the most common questions about the purchase of a manufactured home / land package. Our sales staff is waiting and willing to answer your personal questions. You can reach them by Email (sales@mawilliamshomes.com) or directly by phone at (951) 926-1581.

Q: What does the phrase "Land/Home Package" mean?

     It describes the process of permanently placing a manufactured home on real property; including hook-ups for all utilities, garages, wells etc, and obtaining a loan for the total costs through FHA, VA, CAL-VET, FmHA or Conventional financing.

Q: Why would I want to buy a manufactured home this way?

     In a word it's called Value. In the end you will have a custom manufactured home of your dreams with all the amenities you desire for a fraction of what it would cost to build a site built home of like kind.

Q: Why does it cost less?

    Primarily because you will be purchasing the three basic components of a "Land / Home Package" separately and therefore not paying for the completed home site.

• First, a manufactured home will cost less when built in a factory environment; plus the added bonus that "Ma" Williams sell their manufactured homes for less.
• Second, normal financing is not available for unimproved property, which means you should save money on the land when you pay the seller all cash from your loan proceeds.
• And finally, the cost will be less when you allow "Ma" Williams to assist you in obtaining competitive bids for your site preparation.

Q: Will a manufactured home appreciate in value?

     Yes, if it is permanently affixed to the real property. One reason they appreciate in value is that appraisers can use site built comparable sales (comps) to establish their value. Another reason manufactured homes appreciate is the availability of standard home mortgages for financing.

Q: Who will help me through the "Land / Home Package" process?

     In the interest of facilitating the process, "Ma" Williams will provide a list of experienced site preparation contractors that will assist you with City or County requirements and then pull the necessary permits. Furthermore, these contractors are their own business and therefore "Ma" Williams never accepts any type of kickback from any contractor or vendor.

**You may choose to use a contractor that is not on our list, however, they must be a licensed, bonded and provide us with evidence of proper insurance.**

Q: Do I have to own my land before I can start?

     No, most people purchase the property and home at approximately the same time. However, if you already own or are making payments on your land you may use your equity for all or a portion of your down payment.

Q: Can "Ma" Williams help me find my property?

     We do have an in-house realtor specializing in land purchases for only "Ma" Williams Customer's. This means that you have a realtor who knows all there is to know about the sale and purchase of land and is working to find property for you, The Customer. "Ma" Williams Land Realtor can assist those looking for land in and around the Riverside County areas.

Q: How much money is required for a down payment?

     We have financing programs available with No Money Down; yes, even for non-vets.

Q: How long does it take to complete a land / home package process?

     Using mortgage companies, approximately 100 to 150 days, depending on various factors such as adverse credit history, factory back log, weather delays, etc. A cash purchase takes approximately 60 to 120 days, which is also subject to the same factors.

Q: Where can I do a land / home package?

     You can set a manufactured home on a permanent foundation virtually anywhere in the state of California with very few exceptions. Yes, you may even choose to put a manufactured home in large cities such as Los Angeles and San Diego; however most people have opted for a more rural setting in the diverse and lovely countryside that California offers us.

Q: How would I start the process to build my custom manufactured home?

     First let us emphasis that at "Ma" Williams Manufactured Homes good faith deposits are totally refundable.

     After choosing a floor plan with various options you and "Ma" Williams will proceed down the home buying road together. Even though we may encounter some bumps along the way, please be assured that "Ma" Williams will assist you throughout the entire process. At the end of our journey together, you will have the home of your dreams, in a location of your choice, and your home will have a value that is typically more than the total purchase price combined.

Q: Are there limits on where I can Place a Manufactured Home?

     On February 13th 1981, Senate Bill No 1960 the “Rains Bill” was put into effect. The “Rains Bill states that “a city, including a charter city, county, or city and county shall not prohibit the installation of mobile homes certified under the National Mobile Home Construction and Safety Standards Act of 1974 on a foundation system, pursuant to Section 18551 of the Health and Safety Code, on lots zoned for single-family dwellings. A city, including a charter city, county or city and county may subject any such mobile home and lot on which it is placed to any or all of the same development standards to which a conventional single-family residential dwelling on the same lot would be subject…In no case may a city, including a charter city, county, or city and county apply any development standards which will have the effect of totally precluding mobile homes from being installed as permanent residences.”

     In brief, in California, a manufactured home, can be placed on any lot zoned for a single-family dwelling and is only subject to the same architectural standards that other homes in the area are responsible for meeting.

Q: Who takes care of installing a manufactured home?

     Included in “Ma’s” base price is normal delivery and the set up (or installation) of your home. We use only the best installers in the industry that are licensed, bonded, and approved by the factory for installation purposes.

Q: Are manufactured homes covered by a warranty? Who do I contact to service problems covered by a warranty?

     All manufactured homes in the State of California are covered by a 12 month warranty provided by the manufacturer and dealer of your home.

     Skyline offers an extended 15 Month Warranty to go beyond the 12 month California State required Warranty.

     Silvercrest provides a 7 YEAR warranty! The first year is a warranty provided direct from the factory and years 2 through 7 are provided by an outside warranty company, giving you a warranty on your new home that far exceeds the California State required warranty timeframe.

Q: If I buy from an out-of-state retailer will I have to pay California Use Tax?

     Many consumers are unaware of the California Use Tax. This tax has been around since 1935, yet many find it difficult to understand or explain.

     The law states that everyone who buys goods elsewhere that will be used, consumed or enjoyed inside the state is liable to pay a use tax, even when the out-of-state retailer doesn't charge or collect sales tax.

     The tax is designed to protect California merchants that might be at a competitive disadvantage when compared to the out-of-state retailer making sales to California customers without charging them sales tax. Although the tax rates of sales tax and use tax are the same, the difference is that California retailers must collect sales tax for the state and use tax is the responsibility of the consumer to report and pay.

     The Consumer Use Tax section of the Board of Equalization receives reports from the DMV, FAA and HCD as well as the United States Coast Guard on identity transfers and registrations of vehicles, aircraft, manufactured homes and vessels. The Board requires the payment of use tax prior to completing transfer of title or new registration. Failure to pay by the consumer can result in severe penalties.

     So, yes, you will be responsible to pay the California Use Tax as described above, even if your out-of-state retailer did not account for it.

     For more information about the California Use Tax visit the Board of Equalization website at www.boe.ca.gov .