my home is worth about half what the hao is estimating.these guys are scam artist.i would not live each day just to rip somebody off.do not pay these prices thinking your value will be the same.the bank will only loan so much,because they go by the true worth of home.and if you try to finance with the manufactured home companies ,they have a hidden non fixed rate,which makes your payoff alot larger.dont buy from them,go to bidselect.com and purchase through the hud and use a bank to finance and you wont be taken advantage of and you will get a home for alot less money.and dont purchase in a hoa community or you rights as a home owner will not excist.i am not a whiner.i am just ashamed of what the hoa does to people.stay american and stay away from the hoa scam.