The Oak Creek Difference

Why choose an Oak Creek home? This is a simple question but one of great importance. The choice of homebuilder can influence your life for decades to come and it should be made only after careful thought and consideration. There are several companies building manufactured housing in today’s marketplace, many of them providing a quality home at a competitive price. However, none of them can claim everything that Oak Creek can with regards to overall affordability, strength of construction, commitment to satisfaction and quality of design.

The first thing to know about measuring the true affordability of a home is this: affordability IS NOT simply a matter of price. Utility costs, resale value and repair expenses all play integral roles in how much money comes out of your pocket each month. Not only does Oak Creek claim to be the best home for your money in all of these categories, we can prove it. Click here for more info.

If a home isn’t built strong from it’s beginning, no warranty or promises can ease the headaches that come from chronic services problems and shoddy workmanship. At Oak Creek, our history of quality construction has resulted in the best reputation in the Southwest as well as the highest resale values in our industry. Otherwise, we wouldn’t be able to stand behind our houses with the industry’s best 7 year HomeGuard protection plan.

Speaking of HomeGuard, a company’s commitment is best defined by how they stand behind their product. Only Oak Creek offers an extended protection plan that covers not only structural components, but appliance, heating, cooling, electric and plumbing systems. Don’t be fooled by the competition’s claims to long warranties! The fine print will show you they aren’t worth the paper on which they are printed.

When it comes to home design, Oak Creek has long proven its ability to create incredibly inventive floor plans that provide modern touches and traditional. Furthermore, we give our customers to add virtually limitless personal touches through their choices of paints, floor coverings, cabinets and countertops. At Oak Creek, you truly get the opportunity to make your home one of a kind, just like you.


Financing a Manufactured or Modular Home

Less than 20% of people who buy a manufactured or modular home pay cash for their purchase. The rest require financing. In today’s lending climate (mostly due to 2013’s Dodd-Frank Act), the government has restricted the manner by which a builder can assist in arranging financing for a customer. Just the same, Oak Creek has access to most of today’s most popular and established lenders and is eager to facilitate the transaction in any way that’s legally possible. This article is intended to familiarize you with many (but not all) of the most common ways to finance your home.
For those who own their own land, regular mortgages (often backed by FHA and VA) are a common form of lending. In this approach, the land and home are tied together into a single loan package. Though mortgages often have lower interest rates, they do take more time to execute due to appraisals, mandatory waiting periods and other government regulations.

Chattel loans are a form of lending that is used for financing homes only. In other words, you are obtaining a loan for a home but not the land on which it is placed. Homes placed in parks and rental properties are common candidates for chattel financing. Though these loans often have higher interest rates, they are relatively quick and easy to execute.

Alternative financing, such as conventional land/home packages, is an efficient way to finance the home quickly while experiencing the benefit of tying in the land equity to achieve preferred terms. In addition, homebuyers are encouraged to use their own local banks if they prefer. Oak Creek will provide them any information necessary to process the loan transaction.

No other company offers as many financing sources as Oak Creek Homes but the first step in buying is picking out the home of your dreams. Fill out an appointment request now to meet with one of our representatives at your convenience.