Frequently Asked Questions

General Questions

Can I add a deck, shed, or make changes to the exterior of my home?

Any changes or additions to the exterior of your home— including decks, sheds, painting, landscaping, or other modifications — must receive prior written approval from community management. This ensures consistency, safety, and curb appeal throughout the neighborhood.

  • All decks and sheds must be purchased through and installed by the community.
  • Painting your home while it is located in the community is not permitted without approval, and only pre-approved exterior paint colors may be used.
  • Fences are not permitted in our communities.

Please contact the community office for the most current design guidelines and to submit a request for any exterior modifications before beginning any work.

What amenities are available?

Amenities may include features such as a clubhouse, resort-style pool, playgrounds, event lawn, walking trails, and regular community events. Many communities also offer free after-school and summer programs for kids. 

Please note: amenity offerings vary by location. Contact our sales team to learn what’s available in your community.

Can I operate a business from my home?

Home-based businesses may be allowed with prior approval but must not generate excessive traffic or disrupt the community.

Is there a speed limit in the community?

Yes, the community-wide speed limit is 15 mph.

Can I park my RV, boat, or trailer in my driveway?

No, RVs, boats, trailers, and inoperable vehicles must be stored off-site or in designated areas with prior approval.

What utilities am I responsible for?

Residents pay for water, electricity, and gas. Sewer, trash, landscaping, internet, and TV are included in the lot rent.

Can I rent the clubhouse & pool?

Yes! You will need to reach out to the property manager for scheduling.

Is there additional storage available?

Yes, there is additional storage available upon request.

Do Manufactured Homes appreciate in value?

Yes — a manufactured home can hold or even increase in value, just like a site-built home. A factor affecting the value of a manufactured home is the condition of the home & community. Regular upkeep and preventative maintenance can extend the life and increase the value of a manufactured home.

Are carports, storage and porches included?

Your porch is included. The carports and storage are not included, but available.

How are manufactured homes constructed?

The materials used in manufactured home construction are the same as “traditional” or site-built homes. These materials include but are not limited to the following:

  • Lumber framing
  • Fiberglass insulation
  • Electrical wiring
  • PVC or chrome plumbing
  • Other primary systems within the home

The materials are stored in a factory and used in a temperature-controlled climate. Having materials indoors ensures the quality and lifetime performance of the manufactured home construction materials.

Are pets allowed?

Yes! We welcome most dogs and cats with some breed and quantity restrictions. Please refer to the community rules for details on leash requirements and waste cleanup.

What is a Manufactured Home?

A manufactured home is a factory-built home that can be placed on a piece of land. It is assembled mostly offsite away from the elements prior to moving to the property where they are set up.

Are the appliances included?

Yes, your dishwasher, refrigerator & amp range are included in your home.

Home & Lot Rent Pricing

How much do the homes cost?

At Civitas, we offer a wide selection of new homes designed to fit different lifestyles, sizes, and features. Availability varies based on current inventory, and options may include upgraded finishes, flexible floor plans, and modern amenities.

All home pricing and availability are subject to change. For the most accurate details on available homes, current incentives, and customization options, we encourage you to connect with our community sales team.

What is the typical monthly payment?

At Civitas, your monthly payment typically combines two parts: your home loan (if applicable) and lot rent for your homesite. Lot rent also gives you access to community amenities such as the pool, clubhouse, playgrounds, and more.

Please note: final monthly payments will vary depending on factors like your credit profile, down payment, lender, and financing terms. Additional expenses such as utilities, insurance, or optional services may not be included.

We encourage you to connect with our sales team for the latest details on available homes, current incentives, and to receive a personalized estimate of your monthly payment.

What is included in my monthly payment?

Your monthly payment covers both your home loan (if applicable) and lot rent. Lot rent includes valuable amenities such as high-speed internet, sewer service, valet trash pickup, professional lawn care for your home and community spaces, and full access to the clubhouse, pool, and neighborhood events. Families can also take advantage of on-site after-school care and summer programs for kids. Amenity packages may vary by community—please connect with our sales team to learn the specific inclusions at your location.

Do I pay property taxes?

Homeowners are responsible for annual property taxes on their home. The land is rented and does not carry additional taxes for the resident. Most states require homeowners to pay a personal property tax. Please check with your community team or state regulations as to how property taxes are treated in your state.

Are there closing costs associated with purchasing manufactured homes?

Closing costs will always vary by lender. We encourage you to discuss the closing costs charged by the lenders while discussing financing options with them.

Financing & Lending

Are there financing options?

Many different financing options are often available to manufactured home buyers, even if you don’t have great credit. Make sure to investigate all options when searching for an affordable manufactured home loan. Options may vary by type of home. We work with several lenders offering chattel loans, down-payment assistance programs, and ITIN financing. Low or no credit options are available.

Can I qualify with low or no credit?

Applicants with low or limited credit history may still be eligible for financing through one of our partner lenders. In many cases, a minimum credit score of 550 is considered, but approval is not guaranteed and is subject to the lender's evaluation of your full application. This includes a credit and background screening, as well as verified income to ensure the applicant meets lending criteria. Every financial situation is unique, and final approval decisions are made by the lender based on a variety of factors. We encourage you to apply and explore your options — our team is happy to guide you through the process.

Can I qualify if I am 1099 or self-employed?

Yes, many of our lending partners work with self-employed individuals and accept a variety of income sources, including 1099 income. To be considered for financing, you'll need to provide proof of income, which may include recent bank statements, tax returns, or other documentation that demonstrates consistent earnings. While 1099 income is accepted, final loan approval is not guaranteed and is subject to the lender’s review of your full financial profile, including credit history and background screening. If you're unsure what documents to prepare, our team can help guide you through the application process.

Can I qualify with an ITIN?

Yes, some of our lending partners offer financing options for applicants who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. While having an ITIN can open the door to potential financing, approval is not guaranteed and depends on the lender’s full review of your application. This includes a credit and background screening, along with verified income and supporting documentation such as tax returns or bank statements. If you’re applying with an ITIN, our team can help walk you through the steps and connect you with lenders experienced in working with ITIN applicants.

What documents do I need to apply for a loan and reserve a lot?

To begin the loan application process and reserve your home site at a Civitas community, you'll need to submit documentation that helps verify your identity, income, and intent to purchase. The specific requirements may vary based on your individual situation and the lender’s criteria, but generally include:

Required Documents:

  • ACH Authorization Form or a Cashier’s Check for your lot reservation deposit
  • Signed Lender Disclosures (provided by the lender)
  • Completed Loan Application
  • Signed Lot Reservation Agreement
  • A valid government-issued photo ID (Driver’s License)
  • Either a Social Security Card or Passport
  • If applying with an ITIN: IRS ITIN Registration Form
  • Most recent two (2) months of bank statements

Income Verification Options (choose one based on your employment type):

Traditional Employment:

  • Last two years of W-2s
  • Last 30 days of paystubs

Self-Employed / 1099 Income:

  • Six (6) months of bank statements
  • Two (2) years of tax returns

Other Sources of Income (if applicable):

  • Documentation for child support received or paid
  • Any other verifiable income source

If a particular item doesn’t apply to your situation, you may skip it — but please note that your lender may request additional documentation during the approval process. Our team is happy to assist you with questions or help you gather what’s needed to move forward confidently.

About Financing

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Apply for Financing

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Buying Process

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