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Moving mobile home onto land.

 
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I apologize right away if there is a similar post as this one. I guess I couldn't find the exact answers I was searching for specifically. So recently I purchased a mobile home, It is a double wide and got it for 15000 dollars. Also I purchased 3 acres of land for 15000 dollars. Now for the difficult haul, It will cost around 5000 dollars estimated to move it to the land. I am building a basement which is a little less then 10000. We will need to remove some trees which we have a good estimate for along with hooking up the water, sewage, and electricity etc. My question now is for the costs to hook up the utilities can that be rolled into the mortgage loan or all have to be payed up front? If anyone has any suggestions feel free to discuss.
 
Posts: 323
Location: Pittsburgh PA
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duck forest garden fungi trees chicken woodworking
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Where are you, what are the requirements, what code does your locale use? You are going to get generalizations with out details.
 
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Location: Carbon Hill, AL
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Here in Alabama. Power is run from the main line + two power poles (600ft) for free. Then you can go 100ft from the last power pole to your house.
Any longer than that and you pay it all up front $3,000 every 300 ft.

Water you pay to have a meter put in at the road. Then it's your responsibility to get it to the house.
 
chad Christopher
Posts: 323
Location: Pittsburgh PA
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Well, in general the answer is yes, you will apply for an escrow account to be established from your lender. Take your contractors quotes and designs to your lender. They will establish an account that third parties can draw from. The catch is, you will pay more in the long term. And, you may not have an escrow account for only one project. You must take out a loan for the entire finished price of the homes construction, or otherwise prove sufficient funds. This is for the safety of the banks investment, they do not want to own an unfinished home if you fail to pay your mortgage or compleate the construction.
 
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