Value Point
Financial & Real Estate Services
Value Point Financial, LLC
5181 Plainfield NE, Ste D
Grand Rapids, MI 49525

616-363-6678 phone
616-363-7822 fax

We specialize in financing and insuring manufactured homes.

Financing:

We have financing programs for Manufactured and
Mobile Homes in Michigan-call us at 1-616-363-6678
to find a program that meets your needs.

Manufactured Home Financing for the following
situations:

  • Down Payments as low as 5%
  • Competitive Fixed Interest Rates
  • Manufactured Homes in Parks
  • Manufactured Homes on Land
  • Land Home Programs (Existing & Construction)
  • Refinancing Including Cash Out
  • New & Pre-owned Homes
  • We Work With For Sale By Owner Customers
  • We Also Work With Parks & Dealers

Call Us For Quick Approvals & Flexible Programs!

Insurance:

We offer Homeowner's Insurance on Manufactured and Mobile Homes in Michigan - call us at 1-
616-363-6678 to request a homeowner's insurance quote or more info.  

Manufactured Homeowner's Insurance Policies for the following situations and needs:    

Package Program.  Includes protection for the home, personal property and adjacent structures
(sheds and detached garages). Personal liability coverage is usually part of the policy, too.
By-line.  Some people don't need a full range of protection. With our by-line policy, you select only the
coverage and limits you really need.
Seasonal.  Do you have a manufactured home that you use as a vacation residence? This policy is
specially designed for the coverage needs of a seasonal home.
Rental.  Protection for a manufactured home you rent to others. This policy includes coverage for the
home structure itself; you can also add coverage for premises liability as well as protection for
personal property you may still have in the home.
Tenant.  If you live in a manufactured home that you rent, this policy is for you. It provides protection for
your personal belongings, and offers personal liability as an optional coverage.
Vacant.  Your manufactured home may be vacant for any number of reasons. We offer 3- and 6-month
policies that cover the home for the time when no one is living in it. HO Info Form

---------------------------------------------------------------------------------

Homeowner's Coverage:
                                                    
Everyone's insurance needs are different. That's why we provide a range of different policy types,
all of which automatically include standard coverage, while also giving you the flexibility to add
optional protection. Many of the coverages we offer are listed here. But, not every policy includes
all of the coverages listed below. Coverage is only provided by your policy if it is specifically listed
on your declarations page.

Protection for the Home and Adjacent Structures.  This coverage protects the home itself, as well as
any equipment and fixtures that were part of the home when it was first built or purchased from the
dealer. This coverage also protects any detached garages and sheds you own that are on your
property.
Personal Property Protection.  When this coverage is part of your policy, we automatically provide
protection for certain types of personal property. We also offer increased coverage for special items
typically limited or excluded in standard policies, such as jewelry, coins, and more.
We Include: Protection for your personal property if it is destroyed or becomes unusable due to fire,
theft, lightning, windstorm, tornado, hail, explosion, smoke, sudden plumbing leaks, vandalism and
more.
Optional Protection.  Our optional scheduled personal property protection provides increased
coverage for special personal property items such as jewelry, coins, collections and more.
Additional Living Expense. When this optional coverage is part of your policy, it helps pay your living
expenses should your home become uninhabitable due to a covered loss.
Depreciation Protection. Sometimes settlement payments are subject to depreciation, which can
make it hard to replace your home if it's completely destroyed by a covered peril. To help you recover
from a total loss, we offer replacement cost coverage on select American Modern policies; ask your
agent for details.
Coverage Before You Move In.  An optional protection that's beneficial if you're putting your brand new
manufactured home on your own property. It's called Builders Risk, and many loan companies and
lenders require this type of coverage before they will give you a loan on your home. But even if they
don't, it's good protection for you. As soon as your home loan is closed, this coverage provides
protection for personal liability, theft of building materials and damage caused by site improvements.
When the home is delivered to your property, the policy protects the home, adjacent structures and your
personal property - even before the home is installed and ready for occupancy.
Fire Department Service Charge Coverage.  If the fire department needs to come to your home, you
are billed for the trip they make. This pays for that charge, to policy limits.
Emergency Removal Coverage.  When a peril such as a hurricane threatens your home, you'll
probably want to take some of your personal belongings to a safer location. This coverage pays the
expenses to remove and then return your belongings back home after the storm has passed.
Trip Collision Protection for When You Move.  Moving your home to a new location? There's always
the possibility of having a collision accident along the way. Make sure you add this optional
endorsement to your policy to protect against collision damage that could happen during the move.
Personal Liability.  You could be held liable for an accident that causes property damage or bodily
injury to another person. When this coverage is part of your policy, we will pay for the damages incurred
and/or pay for someone to represent you in court.
Medical Payments to Others.  If someone is hurt while on your property and needs medical attention,
we will pay for their medical needs, to policy limits.

Call For A Free Insurance Quote!