Frequently Asked
Questions

You’re in the right place! We work with first-time buyers all the time and love helping families take that first big step. We’ll walk you through everything — from picking the right home to financing and move-in day — no pressure, no confusion. Just real help.

Typically, lenders will ask for proof of income, a valid ID, and your Social Security number. In some cases, they may also ask for employment verification or past tax returns. We’ll walk you through every step and help you gather what you need.

Of course! We’d love to chat, answer your questions, and help however we can — no pressure at all. 📞 (256) 831-1642 📧 megan@oxfordhousinginc.com

At first when you initially apply, all you need is your driver's license or a valid photo ID. Later on after approval, you’ll typically need the following: Proof of income (recent pay stubs, W-2s, or tax returns) Social Security number Proof of residence (a utility bill or rental agreement can work) Depending on the lender, they may ask for additional documents, but don’t worry — we’ll walk you through the entire process and help you gather everything you need. We’re here to make it simple and stress-free.

It depends on a few factors, like financing approval, home availability, and site preparation. But in many cases, you could be in your new home in as little as 6-12 weeks. We’ll give you a realistic timeline upfront and keep you updated every step of the way.

Think of us like a neighbor you trust — we’re here to listen, offer honest advice, and help you find the right home without pressure or gimmicks. We treat every customer like family, and we’ll guide you through the process from start to finish with care and clarity.

Absolutely — we encourage it! Come visit us in Oxford, AL to walk through available homes in person. Photos are great, but there’s nothing like stepping inside and getting a feel for the space yourself.

Walk-ins are always welcome! But if you want extra time with a team member or need a specific time that works with your schedule, feel free to call ahead — we’re happy to schedule a time just for you.

Not at all. That’s not how we do things. We’re here to help you explore your options and feel confident in your decision — when you’re ready.

You’ll work directly with Justin and Megan — a knowledgeable, down-to-earth duo who’ve been helping families find the right home for years. No hand-offs or corporate runaround — just real people, working side by side to give you personalized, one-on-one service from start to finish.

We’re family-owned and operated since 1986, and we genuinely care about the people we serve. We combine decades of experience with top-quality homes and no-stress service — and that’s what keeps families coming back and sending their friends our way.

Absolutely! Buying a home is a big decision, and we encourage you to bring anyone whose opinion matters to you. We’re happy to walk everyone through the options and answer all your questions.

Nope — not at all. We want you to feel comfortable exploring your options without any pressure or impact on your credit. We don’t run a credit check until you’re absolutely ready to move forward with financing. Touring homes is the fun part — and it should feel that way!

No worries — it happens more often than people think, and it’s not the end of the road. If a lender comes back with a counter offer (like a higher down payment or different terms), we’ll explain it clearly and talk through your options. If you're denied, we’ll work with you to figure out next steps — whether that means trying a different lender, improving your credit, or looking at other solutions. We're here to help, not pressure you.

In most cases, we recommend selling your current home privately. While trade-ins might seem convenient, they often come with extra costs and complications for both you and us. Selling privately usually gets you more money and a smoother process overall — and we're happy to guide you on the best way to do that if needed!

We work with a variety of lenders who offer different programs to fit different credit profiles — including those with low or no credit history. We’ll help you explore all your options and figure out what works best for your situation.

Absolutely! We work with multiple lenders to help you find financing that fits your situation. Our team will walk you through the process step by step — from application to approval.

You don’t need to have it all figured out — that’s what we’re here for. But if you’re ready to start the process, it helps to have: A general budget in mind An idea of your credit score - a guesstimate is totally fine! An idea of what you want in a home We’ll handle the rest from there!

That depends on your lender and loan type, but many financing options do require a down payment. We’ll help you understand what’s required and what programs may be available to reduce upfront costs.

Yes! Getting pre-approved is a great way to see what you qualify for and feel more confident moving forward. It also helps us show you homes that match your budget right away.

That depends on your credit and income. Some buyers benefit from adding a co-signer to strengthen their application, but it’s not always required. We’ll help you understand what works best for your situation.

In most cases, financing approval takes just a few days. Once you're approved, we can move forward quickly with choosing your home and scheduling closing and delivery.

Yes! We regularly update our Clearance Homes page with discounted models, floor models, and overstock units. These homes are brand new, move-in ready, and priced to sell — perfect for buyers looking to save big.

Good question! Manufactured homes are built in a factory and meet strict HUD standards for construction, energy efficiency, and safety. While the term "mobile home" is still used informally, today’s manufactured homes are far more advanced, modern, and durable.

We occasionally have used or repossessed homes come through, but inventory changes quickly. The best place to stay up-to-date is our Facebook page, where we post used home listings as soon as they become available. Give us a follow to see what’s new — and feel free to message us there with questions!

Some do — especially our clearance models and used homes. If you see a home you love, don’t wait too long! Inventory can move fast, and we’re happy to put a hold on a home for you while we sort out the next steps.

We update our listings frequently as new homes arrive or get sold — sometimes weekly. If you’re looking for something specific, we’ll gladly keep an eye out for you.

Yes — when you buy from Oxford Housing, we take care of delivery and professional setup. Our experienced crew makes sure everything is done safely, smoothly, and up to code.

We’re based in Oxford, Alabama, and we proudly serve the Southeast, including areas like: Anniston Gadsden Talladega Birmingham Huntsville …and beyond! Not sure if we serve your area? Just give us a call and we’ll let you know.

Many of the new homes we carry offer customization options — from floor plans and layouts to finishes and features. We’ll walk you through what’s available and help you choose what fits your style and budget.

Yes, but it’s not the same as a traditional home. Manufactured homes typically sit on concrete pads, piers, or blocks — depending on local regulations and your setup needs.

You’ll need a prepared site, which may include a cleared lot, level foundation or pad, and utility access (water, power, sewer/septic). If you’re not sure what’s required, we can help guide you through the checklist and recommend contractors to help you!

We can help coordinate utility connections with licensed contractors in your area, or you can work with your own providers. We’ll make sure you know exactly what’s needed and when.

Not always. Zoning laws and land requirements vary by city and county. If you already have land or are looking, we’ll help you understand what’s allowed and what’s needed to place your home there.

Manufactured homes can maintain value well — especially when properly maintained and placed on owned land. Like any home, factors such as location, upkeep, and upgrades can impact long-term value.

A single-section home is one continuous layout — perfect for smaller spaces or simple living. Multi-section homes (often called double-wides) offer more room, open layouts, and are ideal for growing families or those who want a bit more elbow room.

We offer a range of sizes to fit every lifestyle and budget — from single-section homes (great for individuals, couples, or small families) to larger multi-section homes with three or four bedrooms, spacious kitchens, and open living areas.

No — while having land can help, we also work with customers placing homes in on family land, leased land, and we can help guide you through land options too.

We sell a wide selection of new manufactured homes from trusted brands like Kabco and TruMH, and we occasionally have used homes available as well. Whether you’re looking for a cozy starter home or something with room to grow, we’ve got options to fit your needs and budget.

Most of our new homes come with a manufacturer’s warranty, covering things like structural components, appliances, and plumbing. We’ll walk you through exactly what’s covered — and we’re here to help if issues arise.

Yes — modern manufactured homes are built to strict federal HUD standards and can include features like wind zone ratings, anchoring systems, and more. We’ll help you choose a home built for your area’s conditions.

With proper care, a manufactured home can last 30–55 years or more — similar to site-built homes. Regular maintenance goes a long way in preserving value and livability.

Yes! Many new homes come with energy-efficient insulation, windows, and appliances, and you can always upgrade your options. We’ll help you find a home that balances comfort and cost savings.

We work with manufacturers that offer warranties, and we’re always here to help if you have questions or concerns. Your peace of mind matters to us, long after the sale.

A split heat pump is an HVAC system with separate outdoor and indoor units that both heat and cool a home using electricity. They remove heat from the outdoor environment using extremely cold refrigerant to absorb heat and transfer it indoors, which is essentially the same way an air conditioner works, but in reverse. In the long run, they can save up 30% of heating costs compared to conventional AC units.