1. How do I get started?
Taking the Karsten factory tour located adjacent to our sales center, then
view our twenty professionally designed models. We are open 7 days a week.
2. Can I just look at your
Yes, right here or at our Sales Center! We have an Open Door Policy! You can
tour all of our homes without having to listen to a
corporate story or having someone pull your credit! All of our homes are
unlocked and there is a posted sales price in each one.
3. What type of financing do you offer
and how do I qualify?
Our financial lending process is very simple. We offer FHA, VA, USDA and
Conventional loans. We take into account what you budget for, your payment
comfort range, and most important we will try to get the lowest interest
rate possible for you from a lender of your choice. If you are paying cash a
50% down payment is required to order their home. The balance of the 50%
will be due before your home can be scheduled for delivery.
Can you give me prices of your homes?
Yes! All of our homes have Posted Prices inside each home. You can also tour
our models on the internet and we can price out the features that you like.
All of our homes are built exactly the way that you want!
5. Can you help me find land or a
location for my home?
We can help you with a land / home transaction. If you have your own
existing land then we can use that. If you need to acquire some then our
land locating department as well as several realtors will help to find the
right property for you and your family. This service is free and will
start as soon as you pick out and order your home.
When can I move in?
this process takes 30 - 60 days and involves the completion of the following
steps before you can move anything into your new home or get the keys.
Once the set-up and
delivery is complete.
All interior work
has been completed.
All utilities are
hooked up to the home and working.
Homes Direct has
been Paid In Full by the lender.
your homes built to HUD or IRC building codes?
Most of our homes are built to the manufactured housing code developed by
HUD (Housing and Urban Development), but we can build to either code in our
New Mexico factory.
8. What is the difference between the
HUD and IRC codes?
The primary difference in these codes is either IRC
(International Residential Code) is a specification code whereas HUD is a
performance code. In simple terms, the specification code is a strict
requirement for every aspect of construction regardless of climate
conditions to location. HUD is a code which states requirements for wind,
snow, vertical and horizontal loads, plus other performance criteria and the
homes must be engineered and tested to meet these requirements.
9. Which code is better?
In truth, one code is no better than the other from the standpoint of
safety, durability or strength of the home. As one example, a 40 pound roof
built to the HUD code will perform as well as a 40 pound roof built to the
IRC code. The difference is a rafter built to IRC is three
times as expensive. Is it better? Not if the home will last as long and be
just as safe.