Frequently Asked Questions about
Manufactured Homes in Oregon Parks

Are interest rates higher for manufactured homes? Yes. Chattel loan rates are typically 8–14%, about 1.5–5% higher than standard mortgages.

Are land sales available? No, we focus exclusively on homes without land to keep things simple.

Can any agent sell my manufactured home? Only licensed Manufactured Structure Dealers (MSDs) or real estate offices with MSD licenses. Unlicensed sales are illegal.

Can foreigners or non-citizens buy manufactured homes? Yes. Green cards or citizenship aren’t required. Use an ITIN for taxes/loans; cash purchases are easiest.

Can I call instead of using the form? Yes, direct phone contact is available anytime.

Can I sell my home myself? Yes, our flat-fee MLS service supports owner sales without agent commissions.

Can I sell without park approval? Some parks require approval; check your park’s rules before selling.

How do flat-fee listings work? You pay a flat fee to list your home on the MLS, gaining broad exposure without paying high commissions.

How do I list my home? Simply fill out the contact form to get started.

How do I sell a manufactured home in a park? Notify the park owner (ORS 90.680). Sell in-place or move the home. Provide buyers with rental agreements, park rules, and 5-year rent history. Use an MSD or licensed agent. Transfer ownership via MHODS.

How do I sell my manufactured home in Oregon? Start by reviewing Oregon’s buying and selling guide linked above.

How does escrow work for Oregon park homes? Escrow ensures funds and documents are secure until loan approval, inspections, and park consent are complete. Handles title transfer, back rent, and utility payments. Typical cost: $500–$1,000; timeline: 30–45 days.

How long are loans for manufactured homes in Oregon parks? Chattel loans typically amortize 15–25 years, sometimes up to 30. Shorter terms common for used homes; longer terms lower monthly payments but increase total interest.

How much can lot rent increase each year? For parks with more than 30 spaces: capped at 6% annually (per HB 3054, effective 2025). Smaller parks (30 or fewer spaces): subject to the standard cap of 7% + CPI or 10%, whichever is lower. Notice required: 90 days. Illegal increases can be challenged.

How soon will you respond to my inquiry? Our team usually replies within one business day.

How to prepare my mobile home for sale? Clean thoroughly, declutter, fix minor repairs, and stage simply.

How to take good photos of my mobile home? Use natural light, highlight spacious areas, and keep rooms tidy for the best shots.

Is a disclosure form mandatory? Yes, it’s required by state law to protect buyers and sellers.

Is my information secure? Absolutely, your details are kept confidential.

What about park rules when selling? Buyers need park approval, so provide your rental agreement early and keep paying space rent.

What credit score do I need to buy a manufactured home?

• FHA: minimum FICO 580, 3.5% down

• Conventional: FICO 620+

• Subprime: 500+ (higher rates)

What disclosures are needed? Share condition details and known issues using Oregon state forms.

What forms are needed to sell? You must complete the state-required buyer’s disclosure form before selling.

What if I need help filling out the form? Reach out via phone or email, and we’ll guide you through it.

What information do you need from me? We ask for your name, email, phone, and listing details.

What is included? Listings cover manufactured homes sold as personal property only.

What is the process for buying a manufactured home in Oregon parks? To purchase a manufactured or mobile home in a park, start with park approval and financing (credit/income check). Submit a Manufactured Home Purchase Agreement and conduct inspections. Close via escrow using MHODS (Manufactured Home Ownership Document System), pay any county fees (~$55), and begin lot rent payments. Typical process: 30–60 days.

What types of loans are available for manufactured homes in Oregon parks? Most buyers use chattel loans (home-only financing). Options include:

• FHA Title I: higher limits (updated annually; check current HUD guidelines), low down payment

• Conventional chattel loans via specialty lenders (21st Mortgage, Cascade)

• VA/USDA loans if eligible

What utilities are included in lot rent? Varies by park, but often includes water, sewer, garbage/recycling, and sometimes cable/internet. Electricity/gas usually separate. Check the rental agreement and Statement of Policy (ORS 90.632).

When do I stop paying space rent? Continue paying space rent until your mobile home is sold.

Where can I find legal information about manufactured homes? Check Oregon Revised Statutes 446 for detailed laws on manufactured homes.

Where can I get a loan for my manufactured home? Specialty lenders include 21st Mortgage, Cascade Financial, CIS Home Loans, and Oregon brokers like ManufacturedHomeLoans-Oregon.com. Big banks rarely offer these loans.

Where does Alice Randall live now? She currently lives in a mobile home park, offering real insight into this lifestyle.

Who can help me buy a manufactured home in an Oregon park? Use a licensed real estate agent familiar with manufactured homes or a Manufactured Structure Dealer (MSD). Agents assist with park approvals, MHODS transfers, and escrow compliance.

Who founded this service? Alice Randall, with over 30 years in manufactured home sales.

Who regulates manufactured home sales in Oregon? Oregon Housing and Community Services oversees these transactions.

Why are some parks 55+ only? Under HOPA, parks qualify as 55+ if 80% of units have at least one resident over 55. Some parks require 100% 55+ occupancy.

Why choose a flat-fee MLS listing service? A flat-fee MLS listing lets you sell your Oregon park home affordably, reaching buyers in Portland, Gresham, Milwaukie, Clackamas, Oregon City, and surrounding areas. Save on commissions while maintaining professional exposure.

Why don’t banks provide park home loans? Most banks focus on mortgages secured by land. Chattel loans (home-only) are riskier and require specialized underwriting.

Why use MLS for selling my mobile home? MLS reaches more buyers and agents, syndicating listings to sites like Zillow.

Contact Us

Have questions about mobile home loans? Reach out anytime.