Me and my wife are very pleased with the service we received at Ma Williams. Tony explained the entire process and was extremely informative. He gave them options and touched on how they can change the floorplan to better suit their needs.
Dustin and Jessica R. – Temecula, CA
I appreciate all of your help. My husband and I are set with going through you to purchase our home. The other retailers were not nearly as helpful or welcoming. May and Marvin R.
May and Marvin R. – San Diego, CA
Marie was wonderful and gave us a lot of information on the process of purchasing a home.
Anita and Jim F. – Riverside, CA
Lavon was very helpful and did an excellent job. She has also been great with the follow ups.
I actually was with Lavon yesterday and put down $500. They are so very friendly there and they make you feel welcome. They have amazing customer service. Tell them to keep up what they are doing. Their customer service is phenomenal.
Claudia M. – Sun City, CA
April is tax month, and that’s good news if you are expecting a refund. If you are also considering a manufactured home purchase, the timing is especially fortunate, as your refund could bring you one step closer to achieving the dream of being a homeowner.
Depending on what stage you are at in the process, there are a number of ways to maximize the impact of that refund. The most obvious is to apply it toward the down payment, which not only lowers the amount you’ll need to borrow, it lowers the interest you’ll pay over the entirety of the mortgage.
If you’re not yet ready to make a purchase but are planning on looking into manufactured homes in the months or year to come, you can use the refund to pay down or pay off some high interest credit cards. That will improve your credit score, which can result in a better mortgage offer when it’s time to buy.
Perhaps you’ve already covered the down payment and your home is now being built. An IRS refund will come in handy when it’s time to sign the final mortgage papers by helping to pay any closing costs. Or you can apply it toward property taxes or homeowners insurance, if these are not included in the mortgage.
The process of moving into a new home can be expensive as well. If you hire a moving company, those extra funds can cover their bill. If you prefer to do it yourself, you may still have to rent a truck, and buy boxes and other supplies.
If you already have all of these expenses covered, then perhaps we should be asking you for financial advice!
But there is still another way to apply your IRS refund to your manufactured home investment, and this is through the establishment of an emergency fund. This is typically a savings account where you set aside enough money for a few months of living expenses, including mortgage, monthly bills and the type of purchases you need to get by (food, gas, etc.). Should the unexpected happen, you would be very glad you had the foresight to start saving when it was possible to do so.