All about Modular homes
Mobile Homes Why, What and How to buy.   Modular Home Parks Insurance, Loans list of parks
by Scott Harrison Local Realtor  510-388-4536
California Mobile home information about buying, financing, lenders,  insurance agents for mobile and manufactured  homes and pre fabricated homes
California Mobile / Modular Home Lenders

Mobile Brokers 800-305-2014
Murphy Bank "John" 559-225-0318
Santiago Financial 800-232-3908
Bank of the West 510-791-0763
California Bank and Trust 510-785-6100
Dell Loans 916-962-7128
Dave Shanklin 916 256-2466

Are you a Veteran honorably discharged  who served a minimum 90 days of active duty?  A CalVet Loan Mobile home loan may be your best option.  Requires 3% down with maximum loan or $175,000 Must not be rented space and  other restrictions.  Call 866- 653-2510 - Toll Free

Mobile and Modular Home Insurance Agents
Farmers Insurance  510-317-7706
Ca. Southwest800-992-6966
East County   925-757-4208
Ray Hudson   408-977-1622
Weible   800-653-5565
Formost insurance 800-532 4221

 Manufactured Homes - They are Not Tin Cans on Wheels - These Factory-built homes have suffered an image problem, but experts say they've become good investments. The one hurdle that remains is competitive financing.

View a list of Mobile homes sold by Scott Harrison

Buying a mobile home is different from buying a home or condo.  Most Bay Area parks owners require a minimum income of  3 x the $500-1100 space rent plus 3 x the any loan payment to qualify to live in their park.  If you planning to finance a mobile home that is not new or attached to a permanent foundation regular banks and mortgage brokers can not help you because banks treat them as personal property like a car.  The average interest rates on mobile and modular homes is a couple % points above single family homes rates. The single wide mobiles epically the older ones are even harder to get loans on. (List of lenders are in the left margin) 
  May Communities have rent control limiting space rent increases.  Building Codes are regulated by the HUD and not by local government thus quite different from your standard house.
  A modular or manufactured homes have been built so that they are often difficult to tell them from a stick built home.  Finding a space in a local mobile home park takes years on a waiting list and most often folks simply buy an old mobile and pull it out so they can put in your new modular home.  When buying this type of homes the parks space rent can very widely with in the same park and some of the newer home can be on the property taxes roles as well.  If you are placing a new Manufactured home on a lot of land it must be attached to a permanent foundation to get ordinary bank financing.  
  Renting a modular or mobile home in a bay area is seldom allowed by park management.  Owner is expected to live in the home.  An example a daughter wants to buy a mobile home for her mom would not be allowed in most parks because the daughter does not live there.
  Also there are two kinds of parks, one designated for Senior and the other known as Family.  The Family parks accept occupants of all ages and the senior parks only allow ownership by persons over 55 years old and seldom occupants under 18 years old. 
  See the links below for regulations, forms, building standards and installation tips. 

Since mid-1976, all manufactured homes have been constructed to meet the federal building standards adopted and administered by the U.S. Department of Housing and Urban Development. This national code is called the National Manufactured Home Construction and Safety Standards. The code regulates manufactured home design and construction, strength and durability, fire resistance, and energy efficiency. It also prescribes the performance standards for the heating, plumbing, air conditioning, thermal, and electrical systems. 

Department of Urban Housing and Development has more info about mobile homes and regulations of them.

If you would like to see photos of mobiles and Mobile parks in the East Bay Area go to this page

Fremont Mobile Home Rent Control     Hayward Mobile Home Rent Control
            Alameda County Rent Ordinace

Mobile home parks In Alameda County California 
 Red = Family or Red S Senior only parks

510 area code
A Street Trailer Park 280 W A St Hayward, CA (510) 785-9313  
Bal Trailer Court 14831 Bancroft Ave # 20-B San Leandro, CA (510) 352-8152 
Besaro Mobile Home Park  4141 Deep Creek Fremont 510 792 9797 S
Central Park West  Union City 510 471-4455 
Colonial Acres 17754 Meekland Ave Hayward Ca 94541 278-6008 F
Contental Mobile Home Park 28606 Huntwood Ave, Hayward 510 783 0150 F
Del Rio Mobile Home Park 1550 162nd Ave San Leandro, CA (510) 481-1009 
Eden Gardens Estates 1150 W Winton Ave Hayward, CA (510) 783-4433 
Eden Roc  28389 Bradshire Rd. Hayward 510 782 9721 F
Georga Manor 1419 Buckingham Way, Hayward Ca 94544 510-785-2212 S
Hayward Mobile Country Club 1200 W Winton Ave Hayward, CA (510) 783-9500  S
Hesperian Trailer Park 15263 Hesperian Blvd # 57 San Leandro, CA (510) 895-9907 
Hidden Trailer Park 651 W A St # 29 Hayward, CA (510) 783-3393 
Mission Bay 15333 Wicks Blvd San Leandro, CA (510) 352-4433 S
New England Village Hayward  510 785 4511 
Niles Canyon Mobile Home Park  711 Old Canyon RD Fremont 510 792 7303  S
Paradise Trailer Court 16115 E 14th St # 2 San Leandro, CA (510) 276-4838 
Pines Trailer Park in Cottages 1422 168th Ave San Leandro, CA (510) 276-8455 
Pueblo Springs 27930 Pueblo Springs Hayward, CA (510) 786-2791 F 
Salel Mobile Home Court 747 Lewelling Blvd San Leandro, CA (510) 351-8363 
San Leandro Court 2470 Washington Ave San Leandro, CA (510) 614-5875 
Sandev Mobile Home in RV 2100 Lewelling Blvd San Leandro, CA (510) 352-1334 F
SHADY HAVENS R.V.PARK 19150 Hesperian BLVD  Hayward CA. 94541
Southlake Mobile Home Park Fremont 510 651 0990  F
Spanish Ranch I  28400 Granada Circle, Hayward 510 783 5535 F
SPANISH RANCH II 121 Ranchero Way, Hayward 510 886 4646 S
Trailer Haven 2399 East 14th Street, #4, San Leandro -Ca (510) 357-3235 F
The Tropics 33000 Almaden Blvd  Union City  510 471 8550  

Find your park in the 925, 650, 408 area code at this link

Should you find a park that is not listed or has changed their phone number please let me know and I will be glad to update my page.

E-Mail or Contact Scott Harrison Realtor
Cell at 510-388-4536
About Scott Harrison Realtor

Example sold  2 bed room 2 bath  mobile home has Bright with loads of light, this 2 bedroom 2 bath Home has new heater , AC,  blinds, Master shower enclosure, Clear view of large grassy green belt, Nice covered patio, Formal dining room, Family room, Senior park owners must be over 55 years of age  Click here for photos and more details.

313 Kauai Cir Union City Ca