474 Phillip Stone Way - Central City KY 42330

(270) 754-3730 Office  (270) 754-2869 Fax

Hours: Mon-Fri 8-5 - Sat 9-2

We at Austin Mobile Home are here to help you throughout the home buying process!  We understand that buying a home can be very challenging, particularly if you have never done this before.  Let us help you every step of the way, and make this process as easy for you as we can!

Below are a list of the most frequently asked questions, we hope this helps to create a better understanding of what we can do for you.

​Q: How far do you deliver? 

A: ​We consider anything within a 100 mile radius as our "local delivery area".  If you wish to place your new home over 100 miles from our sales center, please call our office for more information.

Q: Do you offer financing?

A: We work with lenders that provide financing for the homes that we sell.  

Q: What if I have bad (or no) credit? 

A: Some lenders offer financing to customers with little or no credit.

Q: How much would we need for a down payment?

A: Some lenders require as little as 5% of the total purchase price for a standard chattel loan. Some lenders will allow you to use your land as collateral for down payment.  Government based loans (FHA loans, as an example) may allow an even lower down payment.

Q: I have land, but need septic, water, electric, etc. Can you help me with this?

A: Sure!  We will be happy to assist you with your land improvements. We work with plumbers, electricians, etc. to help get the job done for you. You may also add the cost of these improvements to your loan amount. 

Q: How long will the entire process take? 

A: This depends on the buyer's particular circumstances. For a standard chattel loan, the entire process can happen within a few short weeks, from beginning to end.  There are circumstances, however, and loan types that could take longer, such as a couple of months.  Land/Home packages, Land-in-Lieu, or FHA type mortgage loan process will take longer, due to appraisals, inspections and even land improvements.  We do our best to create as slim of a timeline as we possibly can for our customers, from start to finish. Heavy rains, snow and/or freezing weather plays a big role in the whole construction process, so please keep this in mind. 

Q: I don't see the home I like at your sales center.

A: Please talk to one of our sales associates, as we work with several manufacturers that offer a broad variety of floor plans and designs.  We even work with manufacturers that will custom build your home!

​Q: I'm ready to buy - what do I need to do?

A: ​We are here for you!  Call or come by our office and one of our sales associates will be happy to assist you with your home buying process.    

Frequently Asked Questions

If you have a question that is not listed here, please call our office and one of our associates will be happy to assist you!