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Family-Friendly Homes for Those on a Budget

If you’re just starting a family, looking for a first home, or a home to share with someone else – A home in our Nexus Series might be for you. The entire Nexus home line is designed specifically for families and those on a budget. Our lowest priced home starts off at about $42,000. There are 13 different floor plans to choose from. Each home has great bones. Hardboard siding from Louisiana Pacific, a shingled roof, 2×4 exterior walls, with studs every 16 inches, 2×6 floor joists, also every 16 inches. Nicely finished cabinets, 8-foot sidewalls with flat textured and painted ceilings, and LED lighting throughout.

 

Each home in the Nexus Series also comes with standard features to compliment you and your family’s needs and lifestyle.

Standard Features

• 18 cu.ft. FF Refigerator
• Deluxe Electric Range
• Wire/Brace/Switch for Ceiling Fans in LR & Beds
• Total Electric: 200 AMP MOD Panel Box
• Recessed LED Can Lights
• Shut-Off Valves at Sinks and Commodes
• Electric Furnace
• 8′ Sidewalls w/Flat Ceilings
• Textured & Painted Ceilings T/O
• 50-Year Smart Panel Siding
• Shingled Roof
• 42″ Cabinets in Kitchen w/OH Cubbies
• Countertops w/Crescent Edges T/O
• Detachable Hitch(es)
• R-22 Roof Insulation
• R-11 Wall Insulation
• R-11 Floor Insulation
• F/S Faucets: Sinks and Baths
• 14′ Exterior Dormer (Doubles Only)
• F/S Carpet w/Rebond Pad & Tack Strip

Additional Options

There are also many other additional options that you can add like upflow air vents in the ceiling, a gas furnace, a gas range, a dishwasher, and  42″ ceiling fans with lights, and 2″ vinyl blinds.

Nexus Series Models

SEE this budget-friendly line of model homes and their starting prices here: The Nexus Series.

Contact Us for More Info. or to Schedule a Visit

Manufacturing home builder Oak Creek Homes has been building manufactured homes and modular homes for more than 50 years! You can purchase a Nexus home at any of our 18 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana.

 

The post Nexus Series of Homes appeared first on Oak Creek Homes.

Customize your Smart Cottage how you want it!

Bill Wilkins, with Oak Creek Homes of Abilene, walks us through your Smart Cottage decorating choices. The Smart Cottage is a modern take on the tiny home. Smarter in design, function, features, energy-efficiency, and pricing than a typical tiny house! Smart Cottages are classic in design and can be customized and furnished to fit many needs – lake property, ranch property, downsizing, backyard guest house, farmhouse, or millennial modern. Many high-quality specifications in construction come standard in every Smart Cottage Home. There are 15+ Smart Cottage floor plans to choose from!

Smart Choices

You can choose 1-2 bedrooms, 1-2 bathrooms, a 14′, 16′, 18′, or 26′ width.

Smart Customization

You can also choose cabinets, tile, counter tops, flooring, interior, and exterior colors! If you prefer more of a modern farmhouse look – you may opt for white shiplap, white cabinets, white wood molding, white doors, and grey toned flooring. If you like more of the rustic look, you may want to go for the southern yellow pine package which offers hickory cabinets, pine doors, and pine trim.

Get Inspired!

Check out our gallery of Smart Cottage Homes in pictures, 3D images, and virtual tours.

Contact us to Schedule a Visit or Tour

Smart Cottage Homes are built at our Oak Creek Homes Factory in Ft. Worth, Texas. Manufactured home builder Oak Creek Homes has been building manufactured houses, mobile homes, and modular houses for over 50 years. Smart Cottages can be built to different building codes to fit municipal requirements and constructed as either a manufactured home or modular home. They are less expensive per-square-foot than the typical tiny house or on-site built home. You can buy a Smart Cottage at any of our 18 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana.

 

 

 

 

The post Smart Cottage Decorating Choices appeared first on Oak Creek Homes.

Step Inside The Falcon

We’re so excited to share a home tour and first pictures of the Smart Cottage: Falcon! This 2 bedroom, 2 bathroom, 966 square foot home offers luxurious living spaces. The Falcon is not only the newest model in our Smart Cottage Home line, but our first multi-section home at 26 feet in width! It features spacious window bump outs in both the Living Room and Primary Bedroom. The Smart Cottage Home Line is a modern take on the tiny home. Comfortable and compact. Yet, smarter in design, function, energy-efficiency and pricing.

 

Smart Standard Features

Many upgraded features come standard in the Falcon and in our Smart Cottage Homes. Take a look:

• Total electric home, gas available if preferred
• Low-E thermal pane windows, energy-efficient
• Panel siding 50-year warranty
• 26 ga. Metal roof (30-year rated architectural shingle available if preferred)
• Energy-efficient insulation: R30 Roof, R13 walls, R22 floors
• Tower dormer with clerestory windows
• 38 x 82 Double-pane full-glass doors w/ internal blinds
• 60” Ceramic tile shower
• 8’ deep covered front porch with porch swing
• 8′ porch galvanized conduit railing (*single section Smart Cottage homes have a rebar railing)
• Vaulted ceilings
• Ceramic tile backsplashes – kitchen and baths
• LED ceiling lights
• Ceiling fans in living room and primary bedroom
• All AC/heating vents in the ceiling
• Shaker wood cabinet doors
• Wood cabinet stiles
• Wood closet shelving
• Crescent edge countertops
• 2×8 Floor joists @ 16” OC
• 2×4 Interior wall framing
• 2×4 End/Sidewalll construction 16” OC
• Glue-down vinyl plank flooring standard in 18’ wide
• No carpeting
• 96” (8’) wall height
• 19/32 OSB tongue & groove floor decking
• 50 gal. electric water heater (gas available)
• 150# Door hinges throughout
• China lavatory sinks
• Residential elongated china toilets
• Bathroom exhaust fans
• Residential rocker light switches
• Metal faucets throughout
• Deadbolts – exterior doors
• GE black appliance package
• 25 cu ft side-by-side refrigerator/freezer Smooth-top range
• Extra-large microwave/vent hood
• Black GE dishwasher
• Intertherm electric upflow furnace
• Interconnected smoke alarms
• Wilsonart Formica laminate countertops
• Big roof 6/12 pitch

Smart Technology Available Upgrades

Contact us to Schedule a Visit or Virtual Tour

Smart Cottage Homes are built at our Oak Creek Homes Factory in Ft. Worth, Texas. Manufactured home builder Oak Creek Homes has been building manufactured houses, mobile homes, and modular houses for over 50 years. You can buy a Smart Cottage at any of our 18 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana.

The post Smart Cottage Falcon Home Tour appeared first on Oak Creek Homes.

The Smart Cottage from Oak Creek Homes

Our Smart Cottage Home Line is a modern take on the tiny home.  Smarter in design, construction, energy-efficiency, and pricing. Bigger and better than a typical tiny home. More space to comfortably spread your wings, drink in the view, and relax – without bumping into a ceiling, wall, or somebody else!

Smart Cottages are classic in design and can be customized to fit your needs. They’re great for a lake home, beach home, ranch home, retirement home, millennial modern home, backyard guest house, farmhouse, empty nesters, or anyone downsizing.

Smart Choices

You can choose 1-2 bedrooms, 1-2 baths, and a 14′, 16′, 18′, or 26′ width.  You can also choose your cabinet color, flooring, and exterior colors. Plus, the floor plan that best fits your family’s needs and budget.

Smart Construction

Smart Cottage Homes can be built to many building codes to fit municipal requirements. They can be built as a mobile home, manufactured home, or modular home, and even put on stilts for coastal areas. They’re well-built and hold their value. See the quality materials we use. Take a tour inside our factory to see how a Smart Cottage is built.

Smart Standard Features

Many high-quality specifications in construction come standard in every Smart Cottage: Ceiling fans in the living room and primary bedroom, 8′ covered front porch with swing, ceramic tile, solid wood cabinets, wood crown molding, vaulted ceilings, 60″ showers, Smart Panel Siding with a 50-year warranty, and the list goes on. 

Smart Customization

Smart Cottages can be customized to fit your needs. You can add a rear deck, clerestory window bump outs in the Primary Bedroom, and Smart Technology features like a keyless entry lock, smart lighting control, a smart security light with camera, smart thermostat, or smart smoke alarms.

Smart Floor Plans

There are 15 different Smart Cottage Home floor plans to choose from! Flip through our Floor Plan Guide and choose your favorite! Here are the current models available:

• Starling D40EP8
• Sandpiper D44EP8
• Mockingbird D50EP8
• Robin D56EP8
• Egret J40EP8
• Heron J50EP8
• Eagle J56FP8
• Falcon L40EP8

SEE pictures of all our Smart Cottage Homes. Discover which you like best!

Contact us to Schedule a Visit or Virtual Tour

Smart Cottage Homes are built at our Oak Creek Homes Factory in Ft. Worth Texas. Manufactured home builder Oak Creek Homes has been building manufactured houses, and modular houses for over 50 years. You can buy a Smart Cottage at any of our 18 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana.

 

The post Live Smarter with a Smart Cottage Home! appeared first on Oak Creek Homes.

SNEAK PEEK! Josh Kenck with Oak Creek Homes shows us the 𝗦𝗺𝗮𝗿𝘁 𝗖𝗼𝘁𝘁𝗮𝗴𝗲: 𝗙𝗮𝗹𝗰𝗼𝗻. When we first introduced this 2 bed, 2 bath, 966 sqft. home with prototype pictures, you blew up our social media pages. A few things have been tweaked since then, and the updated Falcon version has just rolled out of our plant. It’s still not setup and trimmed, but we wanted to give you a quick tour highlighting it’s unique features!

 

Stay tuned for more updates and pictures as we track it’s journey. Once Smart Cottage: Falcon is decorated, we’ll take you on another tour In the meantime indulge in our entire Smart Cottage line here: https://oakcreek.homes/smartcottages.

Smart Cottages are built by Oak Creek Homes at our state of the art facility in Ft. Worth, TX. Smart Cottage homes can be built as either a manufactured home or modular home. This modern day tiny house offers more comfortable and smarter designed spacing, energy efficiency and pricing than the traditional tiny home. Smart Cottage homes can be purchased through any of our 18 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana. 

Contact us to setup a visit to see or virtually tour of any of other Smart Cottage Homes

The post *NEW* Smart Cottage: Falcon appeared first on Oak Creek Homes.

SNEAK PEEK! Josh Kenck with Oak Creek Homes shows us the 𝗦𝗺𝗮𝗿𝘁 𝗖𝗼𝘁𝘁𝗮𝗴𝗲: 𝗙𝗮𝗹𝗰𝗼𝗻. When we first introduced this 2 bed, 2 bath, 966 sqft. home with prototype pictures, you blew up our social media pages. A few things have been tweaked since then, and the updated Falcon version has just rolled out of our plant. It’s still not setup and trimmed, but we wanted to give you a quick tour highlighting it’s unique features!

 

Stay tuned for more updates and pictures as we track it’s journey. Once Smart Cottage: Falcon is decorated, we’ll take you on another tour In the meantime indulge in our entire Smart Cottage line here: https://oakcreek.homes/smartcottages.

Smart Cottages are built by Oak Creek Homes at our state of the art facility in Ft. Worth, TX. Smart Cottage homes can be built as either a manufactured home or modular home. This modern day tiny house offers more comfortable and smarter designed spacing, energy efficiency and pricing than the traditional tiny home. Smart Cottage homes can be purchased through any of our 18 Oak Creek Home Centers across Texas, Oklahoma, and Louisiana. 

Contact us to setup a visit to see or virtually tour of any of other Smart Cottage Homes

The post *NEW* Smart Cottage: Falcon appeared first on Oak Creek Homes.

Financing, Down Payment, and General Types of Home Loans

Financing a manufactured home, mobile home, or modular home is much different than financing a residential home.  Here are some basic guidelines when applying for a loan for your new home.  Keep in mind that every lender has advantages and disadvantages.  It’s kind of like a long stem rose.  There is a wonderful blossom, but there are also some thorns on the stem.  Here are a few basic things that should help you along the way.   Keep in mind our home consultants are not Licensed Mortgage Loan Originators.  But part of their job is to help assemble the information that you need to make the application and then help the lender in collecting any other documents they may request to evaluate the application.

Financing a Manufactured Home

• Credit Scores – One of the two most common questions is “What kind of credit score do I need?”  Great question.  Most lenders have minimum scores that they are looking for.  There are lenders who can work with bruised credit that is below 600 while others are looking for scores above 620 to 640.   When you talk with your home consultant it’s a good to have an idea of where your scores are.  You can get a free credit report from annualcreditreport.com.  Sometimes lower credit scores can be overcome by increasing the amount of down payment.
• Down Payment – Down payments will depend on the type of loan and your overall credit profile. There are zero down programs such as VA, USDA, and even a few available from non-government backed sources.  Typically, you should prepare for a minimum of 5% to start with.  The down payment total won’t be called for until closing so you’ll have some time to save a bit more.

There are Two General Types of Loans

• Government backed loans – FHA, VA, USDA
• Non-Conforming loans – basically function similar to private banks
  1. Land/home – use of land in the transaction
  2. Home only or Chattel loans – only consider the valuation of the home as collateral.

Government-insured loans, like HUD-backed FHA loans and VA loans, are financing options for manufactured homes or modular homes. Banks and home manufacturers offer more traditional chattel loans and mortgages to those of you home shopping as well.

Using Land vs Home only Transactions

You’ll come from one of two towns: Got Land or Need Land.

• If you own land – Owning land can help secure a traditional mortgage and lower interest rates.  In fact, often times lenders can use the land equity to off-set cash down payment requirements.  We’ve done several loans with Zero Cash Down when the land equity and credit were acceptable to the lenders.
• If you need land – If you don’t have land, most dealerships can help you in locating a suitable homesite.  Are you looking for private land or would it more beneficial for you to consider a leased land option?  Depending on the type of loan package, you may be able to include the land purchase into your home package.

Using leased land for your new home is a viable consideration.  Most communities provide favorable sites with amenities that may include swimming pools, playgrounds, yard maintenance, garbage service, and city sewer services.

You can also do “home only” loans or chattel.  While these loans typically have shorter loan lengths, and a bit higher interest rates, they can be a good choice because they also have lower closing costs.  They keep the land “out of the deal” and only involve the land as collateral.

Securing Financing

• Make a “good faith deposit” – Statistics show that presenting a good faith deposit increases the likelihood of getting a favorable approval.  The deposit shows your good intentions to make the purchase and also demonstrates to the lender that you have part of if not all of the down payment on hand.  Actual down payment requirements are determined by the lender based on your credit profile and the type of loan you are trying for.  There are some “zero down” loans available but it’s still good to do a deposit to show good faith.  That deposit can either be refunded at closing or can be applied to the loan at closing, which ever you choose.  Check with your dealership and make sure that the deposit is 100% refundable if the loan is not approved or if you change your mind.
• Provide income – When you fill out the application provide accurate information on your income, detailing all sources. The lenders are looking for “pre-tax” figures.  If you are paid overtime you will list that amount separately from your “regular” pay.  Usually, to be counted, overtime must have been earned for at least the 2 years prior.
• Supply all documentation needed – Documentation is KING: Lenders will want you to provide different documentation.  Expect to provide your last 2 years of w2s, 2 months worth of pay stubs, 3-months worth of bank records, copies of SSI awards letters or pensions, and a copy of the deed or land lease.   Additionally, the bank may ask you to provide other documents as well. While this may seem burdensome… it is an essential part of buying a home.
• Shop lenders – Credit scores are usually one affected once if you make multiple applications within a 30 day period. I usually suggest that you approach at least 2 different lenders so you can get a comparison of offers.  Things to consider when you review your lender response are term on the loan, interest rate, and fees.  Sometimes it makes more sense to look at loan offers with lower loan fees even if the rate is higher.
• Determine your payment – I know a common question, “What will my payment be?”  You can use a general rule of thumb when estimating what your payment will be.  Your payment amount will be a result of 3 factors.

1. 1. Credit scores
   2. Amount of down payment
   3. Term on the loan – how long is the loan for?

Here’s a calculator that can help in determining your payment.

 

Again, be mentally prepared to provide additional documentation that the lender may require.  Understand that your home consultant is not the bank.  They are there to help expedite the process.   Your home consultant can help you in the details of each of these steps. In the next part of this series, Manufactured Home Buying: Part 3, we talk about home site preparation and the construction process.

Additional Educational Resources

8 Things to Consider when Choosing a Manufactured Home Builder.

19 Questions to Think About Before Buying a Manufactured Home.

Still Have Questions?

Our friendly team members would be happy to talk with you. Feel free to contact us to schedule a visit or virtual consultation or tour.

The post Manufactured Home Buying: Part 2 appeared first on Oak Creek Homes.

Oak Creek Homes are Built Strong!

With COVID-19, the safety and refuge of home is now more important than ever. The last thing you want to worry about is losing your home to a natural disaster, like a hurricane! But for those living in coastal areas, hurricane season is now upon us. Hurricane Season 2020 runs from June 1 – Nov. 30.

But there’s no need to stress or add anxiety to your plate if you currently live in an Oak Creek home or are looking to buy one. Our homes have withstood the test of time. We can prove it. When Hurricane Harvey, a category 4 storm, hit on August 17, 2017, there was significant damage to the Texas coastal town of Rockport. Most of the town’s residents suffered severely from its high winds and brutal storm surge. A handful of those who escaped with little damage had something in common: They lived in Oak Creek Homes.

Oak Creek visited Rockport and the surrounding communities immediately after the storm to study how well our construction endured a Category 4 hurricane. Many of the homeowners shared their stories and allowed Oak Creek to document their experience with photographs, interviews and aerial drone video. Many said they were expecting the worst when they returned from evacuating, but were ecstatic to find their home virtually unscathed by Harvey. Only one of the homes in this presentation was actually destroyed, and that customer’s story might be the most amazing of all…

 

Oak Creek Homes uses only quality materials and builds a heavier home than the competition. Oak Creek Homes also have a higher resale value than other mobile, manufactured, and modular homes according to JD Powers valuation guides. We also us a 47-point inspection system to make sure our homes are installed securely and correctly.

Contact us to schedule a visit or to chat with a sales team member to learn more about the Oak Creek Difference.

The post Hurricane Season: Stress Less with an Oak Creek Home appeared first on Oak Creek Homes.

Home Site Selection and Home Site Preparation

In part 3 of our Manufactured Home Buying Series, we’ll cover the importance of proper home site selection, home site preparation , and on site construction, as you begin to get ready for your new mobile home, manufactured home, or modular home.

Deed restrictions and zoning considerations

When considering any home site location be sure to check on any local zoning or deed restrictions.  Some home sites that are within city limits may require modular construction standards to meet city code for single family dwellings.  Oak Creek builds a wide range of modular home plans that meet local construction codes for single family dwellings.

Things to consider once you identify your home site

1. 1. Note the lay of the land. – When you select property, you want to take note of any obvious indications of where the drainage may occur. You do not want to put your home into a low lying area that could allow for water to accumulate under the home.
   2. Note any obstacles that may make delivery more complicated. I suggest that you walk the property and get several different vantage points.  Are there any trees or other natural features that may affect the placement of the home?
   3. Check on “set back” requirements. Knowing how far from the property lines you have to place your home can avoid costly mistakes.
   4. Determine what utilities need to be installed. Does your selected home site already have water, sewer/septic, and electrical available? If your selected home site does not have all of these available – does your dealer provide these general contracting services in addition to the cost of the home? Or will you have to secure those services outside of your purchase agreement? Be sure that the bids are from contractors who have the proper licenses and approvals to do the work in the area that you are putting your home.
   5. Will you need a foundation? Some lenders do not require a concrete foundation as part of the home package while others do.  Modular houses will always require an engineer designed and inspected foundation.  It’s recommended on all of our double wide section homes.  In the State of Texas any new manufactured home that is wider than 16’ and going on private property requires a “home pad” to be installed to help insure proper water drainage.
   6. Have a home site inspection – It’s a good idea to have your dealer do a physical site inspection at your proposed location to help identify any set up or site preparation issues before hand.
   7. Check dealership’s policy for set up inspections – Here at Oak Creek we have decided to use an independent 3^rd party engineering firm to inspect all installations of multi-section homes.  Each installation must pass a detailed 47-point set up inspection.  What does your dealer do?
   8. Choose skirting and underpinning, steps and decks – What type of skirting will be put on your home? You have a wide range of choices including vinyl, metal, hardboard, masonry, or other manufactured products.  Some lenders have different requirements so be sure to check with you dealer about what you are getting.

We hope you find this information helpful during the home buying process for your manufactured home, mobile home, or modular home. These are just a few things to consider when making your home site selection and preparing for your home site. Our team members would be happy to help answer any additional questions you might have. Oak Creek Homes has 18 home centers across Texas, Oklahoma, and Louisiana. To find your nearest Oak Creek Homes Center visit www.oakcreekhomes.com or simply fill out the contact form at the bottom of this page.

Additional Educational Resources

Manufactured Home Buying: Part 1 – Choosing a builder and choosing a home

Manufactured Home Buying: Part 2 – Financing Options

8 Things to Consider when Choosing a Manufactured Home Builder.

19 Questions to Think About Before Buying a Manufactured Home.

Still Have Questions?

Our friendly team members would be happy to talk with you. Feel free to contact us to schedule a visit or virtual consultation or tour.

The post Manufactured Home Buying: Part 3 appeared first on Oak Creek Homes.

A Family Member Shares What Happened

The Value of a Third-Party Inspection

On April 22, 2020, the Chouinard family of Onalaska, TX survived an F3 tornado in their Oak Creek Home.  Over 300 homes in the area were damaged, and 170 were completely destroyed. The home’s performance owes much to the 47-point inspection done after the home was installed on site. That inspection ensured that the installation crew did everything right, and pictures were sent to management to prove it.

Some of the more important items on the inspection checklist have to do with the home’s footings and strappings.  When done correctly, these ensure the home stays in place in high winds.  Because the home has taped and textured wall, and is heavier that most homes, the Chouinards also elected to have a concrete footing system installed as well.  This added to the home’s stability, and gave those tie-down anchors a solid place to hold on to in the high winds of the storm.

Just How Strong was the Tornado?

It was a strong tornado – stronger than we normally experience in this region. But just how rare was it? The statistics may surprise you. According to the National Weather Service Office for Houston/Galveston, southeast Texas has only recorded six EF-3 tornadoes since 1992. That’s less than once every five years! Most of the tornadoes that develop in this part of the state are relatively weak EF-0 or EF-1 tornadoes. Since 1992, more than 500 of these smaller tornadoes have touched down here.

With Oak Creek, we ensure that our homes are installed to our specifications by paying a 3rd-party engineering firm to perform a full 47-point inspection. Furthermore, our contractors aren’t paid until we receive an inspection approval.  That way our service issues are minimized and you, the customer, have less to worry about over the life of your home. A home that is not installed to the manufacturer’s specifications is doomed to have service problems indefinitely, and they usually only come to light after the manufacturer’s warranty period is over. More importantly, the inspection will ensure your best chances of surviving a serious storm if one should come to pass.  The Chouinards were happy they were in a home that was built right, and we are too!  You can ask for a copy of the inspection checklist when you come to visit us at Oak Creek Homes.

Customer Review

“I can say an Oak Creek is very durable! Had one in Canton, TX, that survived a direct hit from an F3 tornado. I was amazed it was still standing!” – Curtis Clardy

Additional Educational Resources

8 Things to Consider when Choosing a Manufactured Home Builder.

19 Questions to Think About Before Buying a Manufactured Home.

If you’d like to see our homes in person or through a virtual visit, don’t hesitate to contact us. Our sales team would be happy to help you!

The post A Family Sheltering Inside an Oak Creek Home During a Tornado is Unharmed appeared first on Oak Creek Homes.