When it comes to buying a home, timing is everything. Here’s why you might want to start looking for a property this month, as January offers a distinct advantage to home buyers.  

January Is a Slow Month in the Real Estate Industry  

The lead-up to the holidays can be quite expensive for many families. In addition to buying gifts for friends and family, many households host dinners and parties to celebrate the season. These costs can add up exponentially, and many people institute a spending freeze once the new year rolls around.  

How can this benefit home buyers? You’ll be in a better place where negotiations are concerned, as sellers will be more flexible due to the lack of business. That means you could secure your property for less money than if you purchased during the peak selling season.  

Tips for Finding the Home of Your Dreams This Winter 

• Determine your budget before you start shopping 

• Consider all the costs that can apply to homeownership (insurance, maintenance, etc.) 

• Research different types of financing to see which one works best for you 

How Fiesta Homes Can Help 

Here at Fiesta Homes, we believe in helping buyers find the property of their dreams for a price they can afford. Our floor plans are suited to all types of budgets and we can help you better understand different financing options. If you’re ready to take the homeownership plunge in Las Cruces, please call 575-525-4680 today. You can also contact us to learn more.  

Where there’s a will, there’s a way, so it’s fully possible to throw a great Thanksgiving party even when space is at a minimum. Here are some tips on how to have a good time while also keeping your frustration at bay.  

Don’t Get Overzealous With the Menu 

A tasty Thanksgiving dinner often includes roast turkey, mashed potatoes with gravy, a salad or vegetable dish, and dessert. Plenty of party hosts provide options outside of this core group of food, but smaller kitchens might not be amenable to such an expansive menu. In addition to what you make at home, ask your friends and family to bring an appetizer and/or dessert of their choice. Now there will be plenty of food to go around without crowding out your kitchen.  

Serve Food Buffet Style 

A buffet style spread enables diners to serve themselves, which prevents party hosts from having to navigate through a tight space to dish out food. Buffet style dining can also help you utilize your home more efficiently, as you can use your kitchen for a serving area and leave your living and/or dining room free for mingling.  

Be Flexible About Seating 

A liberal seating policy factors nicely into a buffet-style Thanksgiving spread. After procuring foods, your guests can find open seating throughout your home, whether that’s on a couch, recliner, or kitchen chair. If your home currently lacks enough seating to accommodate the number of guests you expect, consider picking up a few inexpensive folding chairs just to be safe.  

Have a “Spill Station” at the Ready 

Food and beverage spills are all part of hosting a holiday gathering, especially when space is limited. In this case, it helps to have an all-purpose cleaner and paper towels on standby in the event of a spill. That way, you won’t need to go rooting through cabinets and closets in search of cleaning materials.  

Happy Thanksgiving From Fiesta Homes! 

We have so much to be thankful for here at Fiesta Homes, and we truly couldn’t do it without our amazing customers. If you’re in the market for dependable, high-quality modular homes, we have just what you’re looking for. Take a look at our floor plans to get started, and rest assured that you can customize our designs to make certain your new home suits your needs. Call 575-525-4680 today to learn more.  

Unexpected Costs When Investing in a Mobile Home 

The biggest cost that many homebuyers overlook when purchasing a mobile home is the cost of the land where the property will be situated. Many people choose to rent lots for their homes, but you also have the option of buying land. If you pursue this route, you’ll probably need to take out a loan to cover the purchase, which can entail lots of hidden costs and fees (similar to traditional mortgages).  

Where you live can also be a factor when it comes to insurance costs. Places with a higher chance of natural disasters like floods and tornados naturally have higher insurance costs than areas with less volatile weather. And as weather patterns become more unpredictable over time, many homeowners could face these rising costs.  

Smart Upgrades to Make to Your Mobile Home 

You can offset the costs of mobile homeownership by choosing energy-efficient fixtures and appliances. While they may require a higher initial investment, you’ll save money on utility costs while simultaneously reducing your carbon footprint when you use solar panels, low flow plumbing appliances, and other upgrades. 

When it comes to the fixtures included with your mobile home, exterior skirting is beneficial for boosting insulation. Skirting blocks the open space under the property from cold air, rain and snow, all of which can affect interior comfort and cause damage to the home. By opting for skirting, you can preserve your investment while also boosting energy efficiency.  

At Fiesta Homes, We Always Give It to You Straight 

Here at Fiesta Homes, we approach every client with honesty and transparency in mind. Our factory direct ordering process is designed to be as simple and straightforward as possible. However, we can also customize the floor plan of your home to ensure it meets and exceeds the expectations of you and your family. Call 575-525-4680 today or contact us to learn more. 

Along with costs related to your mortgage and home insurance, there are numerous other fees to be aware of. Factoring these fees into your home budget safeguards you against future financial instability.  

Repairs and Maintenance 

Being a homeowner comes with lots of advantages, and quite a few responsibilities. For instance, seasonal maintenance keeps your investment in good shape, while repairs ensure you’re fully satisfied with the function of your home when issues arise. Fortunately for people who own manufactured homes, maintenance and repair costs are often more manageable because the property has been constructed with new materials.  

Pest Control 

Pests are a major headache for homeowners. Along with causing significant discomfort, severe infestation can damage your home, cause your family to become ill, or reduce the value of your property. Preventative pest control efforts are crucial, but you must also act fast in the event you discover an infestation after it occurs. In this case, you’ll need to work with a pest control specialist with the right training and tools. Some homeowners even opt for recurring services to keep their homes pest free.  

Property Taxes and Rental Fees 

Some people purchase the land where their manufactured homes are erected, and these individuals would be required to pay property taxes on the land they own. On the other hand, some people rent the land where their manufactured home resides. In this case, a person would need to pay rental fees for the plot of land. In either situation, home buyers are encouraged to consider these costs when they’re developing a budget.  

We Can Help You Make Sense of the Home Buying Process 

Here at Fiesta Homes, we make sure our customers have a full understanding of financial issues related to the sale of manufactured homes. We use our considerable experience to help you navigate common financing options, which ensure you can find the home of your dreams with a budget you can live with. Call 575-525-4680 today or contact us for more information. We also welcome you to check out our customizable floor plans. 

While less expensive, the financing process for manufactured homes can be challenging for buyers, and this guide explains key factors to be aware of when it comes to home buying.  

Conventional Mortgages Are Not Usually an Option for Manufactured Homes 

When buying a stick-built home, most people apply for a home loan to secure the property. With manufactured homes, lenders are less likely to provide a loan. That’s because these properties are typically lower in cost, which makes them less advantageous to lenders when it comes to interest fees.  

What Types of Loans Are Available for Manufactured Homes? 

While buyers can’t usually get conventional mortgages, there are other types of loans that can be used to purchase a manufactured property: 

• Federal Housing Administration (FHA) Loans – The FHA offers Title I and Title II loans to mobile and manufactured home buyers. Title I loans can cover the purchase of just the property, while Title II loans can cover the home and the land it’s being erected on. 

• Fannie Mae/Freddie Mac Loans – Fannie Mae and Freddie Mac are what’s known as government-sponsored enterprises and their goal is to keep housing markets affordable. These programs can also help people purchasing manufactured homes and may only require a small down payment in some cases.  

• Personal Loans – Personal loans can be sought through one’s bank or credit union, or they can be procured from other lenders. Interest rates may be a bit higher depending on the lender, so it’s important to do your research before agreeing to loan terms.  

Regardless of which type of loan works best for you, there are some steps you can take to boost your chances of getting approved. Review your credit score prior to applying for loans to see where you stand and carefully consider your budget when deciding on an appropriate loan amount.  

We Can Help Las Cruces Home Buyers Find the Property of Their Dreams 

Fiesta Homes has helped home buyers throughout Las Cruces find amazing properties thanks to our wide selection of floor plans. However, we also provide information on financing packages to ensure home ownership is within reach of all families, regardless of budget. Call 575-525-4680 for more information or contact us today.  

Affordability 

The ever-increasing cost of buying a home is all over the news these days, and many people find these exorbitant costs put the dream of home ownership out of their reach. In many cases, manufactured homes are more affordable than their stick-built counterparts. Additionally, smaller families with a tighter budget can opt for a streamlined manufactured property that matches their financial situation and lifestyle.  

Enhanced Energy Efficiency 

New manufactured homes can be designed and built with green principles in mind. Also, new fixtures are bound to be more efficient than decades old stick-built homes, which are often plagued by wear and tear. In addition to being good for the environment, greater energy efficiency also benefits your bank account.  

Greater Flexibility 

Finding a stick-built home that meets your needs and preferences is easier said than done. However, there’s a variety of layouts for manufactured homes, which makes it easier for buyers to find a property that best suits their situation. The design of manufactured homes can also be customized, which gives you even more control over the finished structure.  

Find the Home of Your Dream in Las Cruces 

Located in Las Cruces, Fiesta Homes has assisted local homebuyers find the properties of their dreams for more than two decades. While we offer an extensive range of floor plans, buyers can also customize their homes with the help of our skilled designers. Speak with a representative today by calling 575-525-4680. You can also contact us to learn more or check out one of our video tours to see the properties for yourself.  

Overextending Your Budget

When developing a budget for buying a home, most people focus on mortgage payments exclusively. However, there are many other costs associated with homeownership, including:

• Property taxes
• Home insurance costs
• Repairs and maintenance
• Pest control
• Landscaping and lawncare

Because owning a home can become exceedingly expensive, it’s important to develop a realistic budget and stick with it. Even if you believe you can be approved for a larger loan amount than necessary, you must consider all the costs of owning a home to ensure you don’t end up in trouble financially.

Rushing Through the Process

Buying a home is one of the biggest investments a person can make in their lives. As a result, you must navigate the home buying process carefully to ensure the best outcome. Rushing into a property too quickly can lead to disaster if you fail to perform your due diligence. 

Only Considering Traditional Homes

Traditional stick-built homes are just one option available to potential homebuyers. Manufactured homes also have lots to offer and should be included in your home search. Unlike traditional homes, you can alter the layout of manufactured homes to suit your needs. Maintenance costs can also be more manageable when it comes to manufactured homes, and these properties can even be more energy efficient.

Fiesta Homes Can Help You Find the Property of Your Dreams

Here at Fiesta Homes, we take pride in helping homebuyers in Las Cruces find the properties of their dreams. We invite you to check out our extensive selection of floor plans, which can accommodate a range of family sizes. We can also provide information on financing packages to ensure your new home remains within your budget. Contact us today or call 575-525-4680 for more information.

Part of maintaining your manufactured home is keeping pests at bay. Rodents and insects negatively impact home comfort, but they also create an unsanitary environment. Fortunately, it’s possible to maintain a pest-free home when you take the following steps.

Keep Your Lawn Tidy

A messy lawn can attract pests. Both insects and rodents take refuge in overgrown grass and may attempt to get into your home in search of sustenance. Mowing your lawn regularly and removing pools of water greatly cuts back on the pests lingering in your yard and keeps your home safe in the process.

Place Garbage Cans Away From Your Home

Rodents in particular may be attracted by food in your garbage can. Along with locating cans far away from your home, make sure that the lids are tight to deter pests from getting inside. Also, be sure to take out your garbage on a regular basis to keep the interior of your home neat and clean.

Don’t Feed Pets Outside

Insects and rodents will be drawn to pet food and water bowls. Whenever possible, feed pets inside, preferably away from entrances. If you must feed your pet outside, remove food and water dishes immediately after your pet has finished.

Install Skirting Around the Home

Should rodents take up residence under your home, there’s a good chance they will eventually make their way inside. Skirting covers any gaps between your manufactured home and the ground beneath it to deter infestations. It can be made from concrete, wood, vinyl, and many other materials, each of which offers unique benefits. Skirting can also boost aesthetic appeal and protect any plumbing situated under your home.

A Manufactured Home You Can Be Proud Of

Located in Las Cruces, Fiesta Homes helps homeowners find the living spaces of their dreams. We strive to keep our home prices affordable and don’t surprise home buyers with hidden fees. We also allow you to modify our popular floor plans to ensure your new manufactured home fully meets your needs. Feel free to contact us today or call (575) 525-4680 to speak with a friendly representative.

The Ability to Customize Your Living Space

One of the best things about owning a home is that you can make your living space uniquely yours. This is especially true when you invest in a manufactured home, which allows you to choose the exact type of layout and design that best suits your family’s needs. This is not the case when renting a home, as you’ll be restricted to the current design and unable to make alterations without receiving your landlord’s approval.

Stability for You and Your Family

One of the biggest downsides of renting is that you’re ultimately at the mercy of the landlord. In the event they want to sell the property or decide to raise rent, you must comply with their wishes. That could harm your financial situation or even cause you to be without a roof over your head. When owning a home, you have complete control over the property. That means you’ll never need to worry about an unexpected occurrence.

Better Use of Your Money

Owning a home allows you to invest money in yourself and your property, as opposed to paying to support another person’s investment. And when you pay off the home completely, your living expenses will be exponentially cheaper than if you continued renting. It’s true that homeownership does come with expenses that aren’t a factor when renting, such as things like property taxes and maintenance costs, but owning a home enables better use of your money overall.

When the time is right to invest in a manufactured home, Fiesta Homes is here to help you make the best decisions for your needs. Located in Las Cruces, we offer a variety of options, including multiple floor plans to ensure there’s a suitable property for all families. We can even help you secure a suitable financing plan to take some stress out of the process.

Call 575-525-4680 to speak with a representative or contact us to learn more. We look forward to hearing from you!

Calculate Income and Debts

By fully comprehending your current financial outlook, you can better determine how much money you’ll have to invest in a new home. Calculate all sources of income, then deduct any recurring debts you have. Also, consider the expenditures that are commonly part of the homebuying experience:

• Downpayments
• Closing fees
• Moving costs
• Property taxes
• Home inspections
• Insurance
• Mortgage payments

Your home budget must reflect your financial situation realistically. Even if you can get approved for a larger home loan, it’s important to stay within your means.

Establish an Emergency Savings Fund

Unexpected fees may pop up during the homebuying process, which is why you must have an emergency savings account in place. This account will allow you to cover new costs without affecting your overall budget. Try to take a little bit out of each pay check to place in an emergency fund if your budget is tight.

Limit Usage of Credit

Credit checks are a common aspect of home loan applications. If a lender sees a lot of credit activity in the lead up to the loan application, it could affect their decision. Accordingly, all new homebuyers are encouraged to put off major credit purchases until after the real estate transaction is complete.

Reduce Recreational Spending

If you find it difficult to budget for a new home purchase, you may need to reduce recreational spending. For instance, eating dinner at home can save quite a bit of money on dining out. You can also limit purchases to just the necessities until you’re more confident in your home budget.

Investing in a home is exciting, especially when you have total control over the finished product. Here at Fiesta Homes, we offer new homebuyers a sizable selection of manufactured home floor plans that range in size and design. However, we can also custom tailor a layout to your specific needs.

Speak with a friendly and knowledgeable representative in Las Cruces today by calling 575-525-4680. You can also contact us to learn more about our pricing and services.