Land Home Packages in Washington State
The only Washington dealer who finds your land and supplies your home. James Wonser is a Licensed Realtor and manufactured home dealer — one person, end to end.
$30K–$70K
Saved vs. Traditional Dealers
6–8%
Financing Rate on Land-Home Packages
25+
Years in Washington Land & Housing
1
Contact — Land to Move-In
What Is a Land Home Package?
A land home package in Washington State combines everything into one transaction: you acquire the land and place a new manufactured home on it together — streamlining financing, permitting, and coordination into a single process.
Most dealers only sell the home. Most Realtors only sell the land. NW Factory Homes does both. James is a licensed Realtor and a manufactured home dealer — he finds the right parcel, verifies it works for your home, coordinates site development, and supplies a Champion manufactured home at wholesale factory pricing.
The result: you avoid the dealer markup, get better financing terms, and have one experienced professional managing the full project from land search to move-in day.
Why NW Factory Homes
- ✓Licensed Realtor — James finds and evaluates the land for you
- ✓Wholesale manufactured home pricing direct from Champion factory
- ✓Lower financing rates than home-only loans (6–8% vs 8–10%)
- ✓Trusted local contractor network for site prep & installation
- ✓25+ years serving SW Washington land and housing
- ✓One contact from land search to move-in day
- ✓FHA, VA, construction loans, and $0-down programs available
- ✓Full permit, zoning, and county code guidance
How a Land Home Package Works
From finding your land to move-in day, here is how NW Factory Homes guides you through a land home package in Washington State.
Find the Right Land
James uses his Realtor license to identify suitable parcels in your area, verifies zoning allows manufactured homes, checks utility access, and estimates site prep costs before you commit.
Select Your Home
Browse Champion Homes floor plans — single, double, or triple-wide. We apply wholesale pricing so you pay factory-direct rates, not dealer markup. Most families save $30,000–$70,000.
Secure Financing
Land home packages qualify for better loan rates (6–8%) vs. home-only financing (8–10%). We connect you with preferred lenders for FHA, VA, land-home package loans, and $0-down programs.
Site Preparation
Our trusted contractor network handles excavation, concrete foundation, utility connections, and all county permits. Typical site prep runs $30,000–$60,000 depending on the parcel.
Home Delivery & Setup
Your Champion home is built at the factory in about 12 weeks, then delivered and set by our licensed installation team. Full utility hookup and final inspection complete your move-in ready home.
Better Rates When Land and Home Are Together
One of the financial advantages of a land home package in Washington is the loan rate. When land and home are financed together as real property, lenders treat it like a site-built home — and rate accordingly.
Compare that to a home placed on leased land (like a mobile home park), where rates typically run 8–10% because the home is personal property rather than real estate.
We work with preferred lenders who specialize in land-home package financing, including programs with as little as 10–20% down, plus FHA, VA, and construction loan options.
Land Home Package Loans
With 10–20% down — real property classification
6–8%
Home-Only (Park/Leased Land)
5% down; as low as $0 down for strong credit
8–10%
Construction Loans
10–20% down; wraps land, development, and home
Varies
FHA / VA Programs
Government-backed, lower down payment options
Competitive
Land Home Packages Across SW Washington
We serve all of Washington State for land home packages, with particular depth in the counties and communities listed below.
Clark County
- ›Vancouver, WA
- ›Battle Ground, WA
- ›Ridgefield, WA
- ›Camas, WA
- ›Washougal, WA
- ›La Center, WA
Cowlitz County
- ›Longview, WA
- ›Kelso, WA
- ›Castle Rock, WA
- ›Woodland, WA
- ›Kalama, WA
- ›Ryderwood, WA
Lewis County
- ›Toledo, WA
- ›Chehalis, WA
- ›Centralia, WA
- ›Morton, WA
- ›Winlock, WA
- ›Napavine, WA
Also serving Pacific County (Long Beach), Wahkiakum County, and all of Washington State. Call us to confirm your area.
Understanding Land Prep Costs
Site development is a key budget item in any Washington State land home package. Here is what goes into it.
Excavation & Grading
Varies by terrain
Clearing, grading, and leveling the building site. Hillside parcels cost more than flat land.
Foundation / Concrete
Required for financing
Concrete slab or runners required for land-home package financing. Meets WA state manufactured home standards.
Utility Connections
Distance-dependent
Water, sewer or septic, and electrical hookup. Cost depends on proximity to existing utilities on the parcel.
Driveway & Access
Site-specific
Gravel or paved driveway from the road to the home site. Required for delivery access and long-term use.
Permits & Engineering
County-specific
Building permits, manufactured home permits, and engineering certification for the foundation where required.
Total Typical Range
$30,000 – $60,000
Full site prep in SW Washington. James walks through a cost estimate with you before any land purchase.
Common Questions About Land Home Packages in Washington State
What is a land home package in Washington State?
A land home package combines the purchase of bare land with the placement of a new manufactured home — all handled together. Instead of buying land separately and then finding a dealer, NW Factory Homes manages both sides. James's Realtor license means he can find, negotiate, and close on your land, while his dealership supplies the home at wholesale pricing.
How much does land prep cost in Washington State?
Land preparation — including excavation, grading, concrete foundation or runners, utility connections, and driveway — typically runs $30,000–$60,000 in SW Washington. The exact cost depends on the terrain, county requirements, and how far utilities need to be extended. James walks through a cost estimate with you before you commit to any land purchase.
What financing rates can I expect on a land home package?
Land home packages typically qualify for better interest rates than home-only loans. You can generally expect 6–8% on a land-home package with 10–20% down, compared to 8–10% for a home placed on leased land or in a park. We work with preferred lenders who specialize in manufactured home financing, including FHA and VA programs.
How long does the whole process take?
Plan for roughly 5–7 months start to finish. Land acquisition and financing typically takes 30–60 days. Factory build time is approximately 12 weeks. Delivery and setup adds another 30–60 days depending on site complexity. James keeps you informed at every stage.
Which counties in Washington do you serve?
We serve all of Washington State, with particular depth in Clark, Cowlitz, and Lewis Counties — and west to the coast, including Long Beach and Pacific County. Our Longview branch office and Toledo headquarters cover SW Washington thoroughly.
Do I need to already own land to get started?
No. Many clients come to us without any land identified yet. That's actually where James adds the most value — as a licensed Realtor he can search the MLS, identify off-market parcels, assess suitability, and help you close on the right piece of land before the home is ever ordered.
Ready to Start Your Land Home Package?
Tell us where you are in the process — whether you already own land, are still searching, or are just starting to explore. James will give you a straight answer on costs, timeline, and what's realistic for your area and budget.
No pressure, no obligation. Just an honest conversation with someone who has done this in Washington State for 25+ years.
Toledo, WA — Main Office
202 Drews Prairie Rd, Toledo, WA 98591
Longview, WA — Branch Office
1322 Commerce Ave, Suite #210, Longview, WA 98632
The Smartest Way to Buy Land and a Home in Washington State
One contact. One expert. Land, home, financing, and installation — handled.