Know What You're Actually Buying.
Manufactured homes can be a path to real ownership — or a costly trap. Parcel puts a buyer's agent in your corner before you sign anything.
Free · No Obligation
Get your Lot-Ready Report in 24 hours.
We review HUD compliance, title status, and loan options for your specific property before you commit.
Serving buyers across 38 states · Since 2019
What Will This Actually Cost You?
Most dealers quote monthly payments. We show you the full picture — chattel vs. conventional, side by side.
Your Numbers
Home Price
$89K
Down Payment
$9K
Loan Amount
$80K
Estimates only. Actual rates vary by lender, property age, and state. A Parcel agent reviews your specific situation at no cost.
What Happens When Nobody's Watching
These aren't edge cases. They're what happens when buyers go through a dealer without independent representation.
The walls looked fine. The inspector found $14,000 in rot.
A Tucson family bought a 2003 doublewide from a dealer lot. No inspection was offered. Six months in, the master bath wall collapsed — roof seam failure had been leaking for years.
The HUD plate was removed. The bank wouldn't finance.
After a $3,000 earnest deposit, a retiree in Albuquerque discovered the home's HUD certification plate had been removed during a prior renovation — making it unfinanceable by any conventional lender.
The title was still in the previous owner's name. In another state.
A single mother in rural Georgia closed on a used mobile home only to discover an outstanding lien from a 2011 repo. The dealer had sold her a home they didn't legally own free and clear.
A Parcel buyer's agent costs you nothing out of pocket.
We're compensated by the seller at closing — the same way a real estate agent is paid. You get full representation for $0 upfront.
$0
Upfront Cost to You
Dealer vs. Your Buyer's Agent
HUD Compliance Checklist
Check off what you've verified. Red flags = items that can void financing.
Stories from the Porch
“The dealer told me the home was 'move-in ready.' Parcel's agent found a non-compliant HUD installation that would have voided my financing three days before closing. I almost lost everything.”
Deborah Whitmire
Retired teacher, Macon GA
“I had no idea chattel loans existed. My credit union kept turning me down and I couldn't figure out why. Parcel walked me through a specialized manufactured home lender and got me into my first home at 34.”
Marcus Okafor
First-time buyer, Tulsa OK
“We were moving my parents into a 55+ park in Scottsdale. The park lease had a clause that let management raise rent 18% annually. Parcel caught it and negotiated a 5-year rate cap.”
Sandra & Ray Kowalczyk
Retirees, Phoenix AZ
Don't Sign Anything
Until You Talk to Us.
Tell us your zip code, budget, and timeline. We'll send you a Lot-Ready Report covering HUD compliance, loan options, and red flags — before you commit.
1,400+
Buyers Represented
38
States Served
$0
Upfront Cost
24hr
Report Turnaround
We never share your information. Serving buyers in 38 states since 2019.