Mobile Home Lease
This Mobile Home Lease Agreement can be used by a Lessor and a Lessee to lease a
mobile home. Customize the mobile home’s specifications, the monthly payment
amount, the down payment, early lease termination fees, and much more. Lease
arrangements should always use a written agreement to avoid complications and
disputes between the parties. This agreement is ideal for small businesses or
individuals that want to lease a mobile home.
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MOBILE HOME LEASE AGREEMENT
THIS MOBILE HOME LEASE AGREEMENT (hereinafter referred to as the “Agreement”)
is entered into this ___ day of __________, 20__ [Instructions: Insert the date of this
agreement] between ___________________ [Instructions: Insert the name of the individual
that will lease the mobile home] with an address of _______________________________
[Instructions: Insert the address of the Lessee] (hereinafter referred to as the “Lessee”), and
___________________ [Instructions: Insert the name of the individual or company leasing
out the mobile home] with an address of _______________________________ [Instructions:
Insert the address of the Lessor] (hereinafter referred to as the “Lessor”), and
___________________ [Instructions: Insert the name of party providing credit] with an
address of _______________________________ [Instructions: Insert the address of the
Creditor] (hereinafter referred to as the “Creditor”).
WHEREAS, Lessor is the fee owner of the Mobile Home; and
WHEREAS, Lessor desires to lease the Mobile Home to Lessee upon the terms and conditions
as contained herein; and
WHEREAS, Lessee desires to lease the Mobile Home from Lessor on the terms and conditions
as contained herein;
NOW, THEREFORE, for and in consideration of the covenants and obligations contained
herein and other good and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto hereby agree as follows:
By signing, Lessee (including any co-Lessee) agrees to lease this Mobile Home according to the
terms of this lease.
1. MOBILE HOME SPECIFICATIONS
The Mobile Home described in this lease is as follows (hereinafter referred to as the “Mobile
Approximate Length: _______________
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Approximate Width: _______________
Mileage at Delivery: ____________
License Plate: ______________
VIN Number: ____________________________
[Instructions: Insert the description of the Mobile Home being leased]
2. MOBILE HOME FIXTURES
The lease of the Mobile Home includes the right to use all of the following: heating, plumbing,
lighting fixtures and bulbs, skirting, linoleum, window shades, venetian blinds, curtain rods,
traverse rods, storm windows and storm doors, screens, awnings, exterior, television antennas
and rotor motor and controls, water softeners, bathroom fixtures, window boxes, chandeliers,
fireplace screens and equipment, wall to wall carpeting and runners, garbage disposals, all
cabinets, mirrors, dishwashers, ovens, shelving, exhaust fans and hoods, trash compactors, air
conditioning units, humidifiers, and dehumidifiers. Lessee will maintain all heating, plumbing,
and lighting fixtures, and all appliances and other electrical devices in the same condition as they
exist as of the date of this Agreement, reasonable wear and tear excepted.
3. DOWN PAYMENT
The amount due at lease signing or delivery is as follows: ___________________. [Instructions:
Insert the itemized amount due. The parties may wish to further break this down into
categories such as capitalized cost reduction, first monthly payment, refundable security
deposit, title fees, registration fees, etc.] This amount shall be payable as follows:
___________________. [Instructions: Insert the itemized manner of payment, including
applicable amounts payable in net-trade in allowances, rebate and/or non-cash credits,
a. Optional language: Lessee hereby acknowledges and agrees that any security deposit
paid hereunder may be used by Creditor to pay any and all amounts owed by Lessee
hereunder which Lessee fails to pay. Further, Lessee hereby acknowledges and agrees
that it shall not receive any interest on any such security deposit. Upon the termination of
this Lease according to its terms, and upon Lessee’s payment of all amounts due
hereunder and performance of all obligations set forth herein, such security deposit shall
be refunded to Lessee within thirty (30) days of the aforementioned lease termination.
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4. MONTHLY PAYMENTS
Lessee’s first monthly payment of $______ [Instructions: Insert the first monthly payment
amount] is due on the __ day of _________, 20__. [Instructions: Insert the date the first
monthly payment is due] Subsequent monthly payments of $______ [Instructions: Insert the
monthly payment amount] are due on the ____ [Instructions: Insert which day of the month
lease payments are due] day of each month for a total of ____ [Instructions: Insert the total
number of months this agreement covers] months. Lessee’s total monthly payments are: $
____. [Instructions: Insert the total amount of the lease payments] Lessee shall mail the
monthly lease payments to the following address: ___________________________________.
[Instructions: Insert the name and the address where Lessee should send monthly lease
a. The parties agree the monthly payment was calculated based on the following items,
which are set forth more particularly on Schedule A: gross capitalized cost; capitalized
cost reduction; adjusted capitalized cost; residual value; depreciation and amortized
amounts; rent charges; number of lease payments; monthly sales/use tax, and other
amounts as set forth in greater detail.
b. Gross capitalized cost shall include the following amounts: agreed upon Mobile Home
value, sales/use taxes and other applicable taxes, title fees, license and registration fees,
extended warranty and service contract, lessor services, acquisition fee, documentation
fee, life insurance premium and disability insurance premiums.
c. The estimated total amount to be paid by Lessee for official and license fees, registration,
title and taxes over the Lease term, whether included within Lessee’s monthly payments
or otherwise are: $_____. [Instructions: Insert the estimated fees Lessee must pay]
The actual total of such fees and taxes may be higher or lower than this estimated total
depending on the tax rates in effect or the value of the leased property at the time any
such fee or tax is assessed.
5. LATE PAYMENTS
Any scheduled payment which is not received by the ___ [Instructions: Insert the day of the
month by which payment must be received] day of the month in which it is due shall be
deemed late. Lessee shall pay a late charge for each such payment of $____. [Instructions:
Insert late payment charge, whether a flat fee or a percentage of the total payment and
indicate as such]
6. TERMINATION FEE
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In the event Lessee does not purchase the Mobile Home in this manner set forth in this Lease,
Lessee shall pay a disposition fee of $ _____ [Instructions: Insert the termination fee. If there
will be no termination fee, delete this clause in its entirety] at the termination of this Lease.
7. LEASE TERMINATION
This Lease shall terminate upon (a) the end of the term as defined herein and (b) the return of the
Mobile Home as set forth herein to Lessor, and (c) the payment by Lessee of all amounts owed
pursuant to this Lease. Lessee hereby acknowledges and agrees that Creditor may cancel this
Lease in the event of Lessee’s default.
8. EARLY TERMINATION
Lessee hereby acknowledges and agrees that in the event Lessee terminates this Lease except as
otherwise set forth herein, Lessee may be subject to early termination fees.
9. EXCESSIVE WEAR AND TEAR
Lessee hereby acknowledges and agrees that Lessee may be charged for excessive wear and tear
to the Mobile Home based upon standards of normal use. Further, Lessee acknowledges and
agrees it shall be responsible for repairs of all damages which are not a result of normal wear and
tear. Repairs which are hereby deemed non-normal wear and tear damage include but are not
limited to tires which are unmatched, unsafe or have less than 1/8 inch of remaining tread in any
place; electrical or mechanical defects or malfunctions; gloss, paint, body panels, trim and grill
work that are broken, mismatched, chipped, scratched, pitted, cracked or if applicable dented or
rusted; interior rips, stains, burns or worn areas; and all damage which would be covered by
collision or comprehensive insurance whether or not such insurance is actually in force. These
repairs shall also include but are not limited to those necessary to return the Mobile Home to any
pre-accident condition, and any such repairs must be made with original manufacturer parts or
those of equal quality. If such repairs are not made prior to returning the Mobile Home at the
schedule Lease termination, Lessee will pay the estimated cost of such repairs, even if the repairs
are not made prior to any subsequent sale of the Mobile Home.
10. MOBILE HOME RETURN
Lessee hereby acknowledges and agrees that if it does not purchase the Mobile Home upon
Lease termination as set forth herein, Lessee shall return the Mobile Home to Lessor unless
Creditor specifies another location. If Lessee fails to return the Mobile Home, Lessee must
continue to pay the monthly payments PLUS other damage to creditor, including any amounts
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payable pursuant to any default provisions set forth herein. Payment of any such amounts shall
not permit Lessee to continue to retain the Mobile Home.
At the end of the Lease, unless Lessee purchases the Mobile Home, Lessee shall pay to Lessor
___ [Instructions: Insert how many cents Lessee will be charged for each mile over the
allotted mileage amount] cents per mile in excess of _______ [Instructions: Insert the total
miles Lessee is allotted under this lease] miles shown on the odometer. Optional Language:
At the scheduled Lease termination, Lessee will receive a credit of ___ cents per unused mile for
the number of unused miles between ___ and ___ miles, less any amounts Lessee owes pursuant
to this Lease. Lessee will not receive any credit if the Mobile Home is destroyed, if the Lease is
subject to early termination, if any purchase option is exercised, if Lessee is in default or if the
credit is less than $1.00.
12. OPTION TO PURCHASE
Lessee, if not in default, shall have the option, upon the termination of this Lease, to purchase the
Mobile Home from Lessor in cash for the purchase price of $_______, [Instructions: Insert the
option price of purchase] which price shall not include any applicable official fees and/or taxes
which may be due. [Instructions: If the Lessee will not have an option to purchase the
Mobile Home, delete this clause in its entirety]
Lessee shall be responsible to obtain and maintain insurance on the Mobile Home during the
term of this Lease, in an amount and manner acceptable to Creditor, and sufficient to protect
Lessee and Creditor. LESSEE HEREBY ACKNOWLEDGES AND AGREES THAT
NEITHER LESSOR NOR CREDITOR IS PROVIDING MOBILE HOME INSURANCE OR
LIABILITY INSURANCE PURSUANT TO THIS LEASE. Such insurance shall include but
not be limited to (a) comprehensive fire and theft insurance with a maximum deductible of
$1,000, and (b) automobile liability insurance with minimum limits for bodily injury or death of
$25,000 for any one person and $50,000 for any one accident, and $10,000 for property damage,
unless the jurisdiction in which the Mobile Home is registered or titled establishes or charges
greater minimum automobile liability insurance limits than those previously listed. In any such
instance, Lessee must insure the Mobile Home and the Creditor at the higher minimum limits
established by such jurisdiction. Lessee will list the loss payee and additional insured as
requested by Lessor, and must provide Creditor with proof of such insurance.
Lessee authorized Creditor, on its behalf, to receive and endorse checks or drafts, and settle or
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release any and all claims under the insurance related to Creditor’s ownership of the Mobile
Home. Lessee also assigns to Creditor any other insurance proceeds related to this Lease or
Creditor’s interest in the Mobile Home.
If Lessee or Creditor obtains a refund for any amounts paid to third parties for insurance, service
contracts or any other amounts paid to a third party included in the gross capitalized cost of this
Lease, Lessee must pay to Creditor the entire amount of the refund and Lessee authorizes the
Creditor to subtract the refund from the amount owed by Lessee under this Lease.
If Lessee titles or registers the Mobile Home in, or changes the garage location to a jurisdiction
where Creditor has established minimum automobile liability limits greater than those listed
above for bodily injury or death and property damage insurance, Lessee must insure the Mobile
Home and the Creditor at the higher minimum limits established by Creditor.
14. APPLICABLE LAWS
Lessee shall not use or permit others to use the Mobile Home in violation of any applicable law
or contrary to the provisions of any insurance policy covering the Mobile Home or outside the
jurisdiction where the Mobile Home was first titled or registered by Lessee for more than thirty
(30) days without Creditor’s written consent or as a private or public carrier or in any manner
which would invalidate any applicable warranty. Lessee will keep the Mobile Home and Lease
free and clear of all liens and/or encumbrances. Lessee shall not assign or sublease the Mobile
Home or this Lease without Creditor’s prior written consent.
Upon execution of this Lease, Lessor will assign same to Creditor, which creditor or its assignee
will administer this Lease. Lessee must then pay all amounts due under this Lease to such
Creditor. In the event such rights and obligations to administer are assigned to any assignee,
such assignee shall have the power to act as Creditor’s behalf to administer, enforce and defend
this Lease. If Lessor has agreed to repair or maintain the Mobile Home, obtain any insurance or
perform any other services, Lessee will look only to the Lessor for these services.
15. MAINTENANCE AND REPAIR
Lessee shall be responsible for proper Mobile Home maintenance. Lessee must maintain service
and maintain the Mobile Home at its sole cost and expense, except to the extent any such service
and maintenance is covered by applicable manufacturer warranty. Any such service and
maintenance must use parts and materials meeting or exceeding manufacturer specifications,
including those noted in the owner’s manual and maintenance schedule. Lessee shall be
responsible for documenting any and all such maintenance performed and necessary repairs
made to the Mobile Home. Lessee shall also be responsible at its sole cost and expense for the
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operating costs of the Mobile Home, such as gas and oil. Lessee is hereby advised manufacturer
may invalidate warranty coverage on parts affected by a failure to maintain the Mobile Home as
required pursuant to manufacturer specifications.
The Mobile Home is covered by the following warranty: ______________________.
[Instructions: Insert the warranty to be provided. If lengthy, it may be attached as an
additional schedule] If the Mobile Home is of a type normally used for personal use and the
Lessor, or the Mobile Home’s manufacturer, extends written warranty or service contract
covering the Mobile Home within ninety (90) days from the date of the execution of this Lease,
Lessee shall receive implied warranties of merchantability and fitness for a particular purpose
covering the Mobile Home. Otherwise, Lessee understands and agrees that no such implied
warranties shall be applicable except as otherwise required pursuant to applicable law.
17. FEES AND TAXES
Lessee shall promptly pay all fees, charges and taxes relating to the Lease or Mobile Home
(except for any other party to this Lease’s income taxes). Lessee will pay such amounts even in
the event they are assessed upon or after the termination of this Lease.
During the term of this Lease, the Mobile Home will remain titled in the name of Creditor.
Lessee will register the Mobile Home as directed by Creditor and will pay any and all applicable
licensing, title and registration costs and fees, at Lessee’s sole cost and expense.
19. CONSENT TO OBTAIN CREDIT REPORT
By executing this Lease, Lessee expressly authorizes Creditor to obtain consumer credit reports
from consumer reporting agencies for any reason and at any time during the term of this Lease in
connection with this Lease. Lessee hereby waives any further notice, agreement or
acknowledgement of any such credit report being obtained.
Lessee will indemnify and hold harmless Lessor, Creditor and their assigns from any loss or
damage to the Mobile Home and its contents and from all claims, losses, injuries, expenses and
costs related to the use, maintenance, or condition of the Mobile Home. Lessee will promptly
pay all fines and tickets imposed upon the Mobile Home or its driver. If Lessee does not pay as
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set forth herein, Lessee will reimburse Creditor and pay a $20.00 administration fee, unless such
fee is prohibited by applicable law, for every such fine, ticket or penalty that must be paid on
21. ACTS OF THEFT
In the event the Mobile Home is stolen or destroyed, Lessee will apply to creditor (a) the unpaid
adjusted capitalized cost plus (b) all other amounts then due under this Lease, minus (c) any
insurance proceeds received by Creditor. Notwithstanding the fact that this Mobile Home is
insured, Lessee shall remain responsible for all scheduled amounts due pursuant to this Lease
until Creditor receives the amount noted above.
Lessee will be in default if (a) Lessee fails to make any payment when due or (b) a bankruptcy
petition is filed by or for Lessee, or (c) any governmental authority seizes the Mobile Home and
does not promptly or unconditionally release the Mobile Home to Lessee or (d) Lessee has
provided false or misleading material information when applying for this Lease, or (e) Lessee
fails to maintain any other agreement in this Lease.
If Lessee is in default, Creditor may cancel this Lease, take back the Mobile Home and sell it at a
public or private sale. Lessee also gives Creditor the right to go on Lessee’s property to
peacefully retake the Mobile Home. Even if Creditor retakes the Mobile Home, Lessee must still
pay at once (a) the difference, if any, between the unpaid adjusted capitalized cost and the value
which could be realized at the sale of the Mobile Home plus (b) all other amounts then due under
this Lease. The value which could be realized at the sale of the Mobile Home at Lessee’s option
will be (a) the net amount received by Creditor upon the Mobile Home sale at wholesale, or (b)
as determined by a professional appraisal obtained by Lessee at its sole cost and expense within
ten (10) days from default, from an independent third party agreeable to Creditor. Lessee must
also pay all expenses, including reasonable attorney’s fees, payable by Creditor to obtain, hold
and sell the Mobile Home, collect amounts due and enforce Creditor’s rights pursuant to this
Lease. Lessee authorizes Creditor to cancel Lessee’s insurance and apply any proceeds to any
and/or all obligations pursuant to this Lease.
23. EARLY LEASE TERMINATION
If Lessee is not in default, Lessee may terminate this lease early by returning the Mobile Home
to Lessor and paying the following: (a) an early termination fee of $_______ [Instructions:
Insert the early lease termination fee] plus (b) the difference, if any, between the unpaid
adjusted capitalized cost and the Mobile Home’s fair market value plus (c) all other amounts
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then due and owing under this Lease. Lessee will never pay more than the sum of the remaining
unpaid lease payments, plus any excess wear and use and mileage charges, and all other amounts
then due under this Lease.
If Lessee is not in default, Lessee may purchase the Mobile Home from Lessor at any time for
the sum of the remaining payments, less any unearned rent charges, if any, plus the purchase
option price and all other amounts then due under this lease.
24. FEDERAL LAW REQUIREMENTS
Federal law requires Lessee to complete a statement of the Mobile Home’s mileage upon the
termination of this Lease.
25. ENTIRE AGREEMENT
This Lease sets forth all of the agreements between Lessor and Lessee for the Mobile Home
Lease. There is no other agreement, written or oral with respect to same. Any change to this
Lease must be in writing and signed by Lessee and Creditor.
26. SECURITY INTEREST
Lessee hereby acknowledges and agrees that Lessor and/or Creditor may reserve any legally
permissible security interest in the Mobile Home to secure performance of Lessee’s obligations
pursuant to this Lease.
27. GOVERNING LAW
Except as otherwise provided by applicable law in the jurisdiction where Lessee resides, this
Lease shall be subject to the laws of the jurisdiction of Lessor’s principal place of business, as set
forth in this Lease. If any provision of this Lease or the application thereof shall, for any reason
and to any extent, be invalid or unenforceable, neither the remainder of this Lease nor the
application of the provision to other persons, entities or circumstances shall be affected thereby,
but instead shall be enforced to the maximum extent permitted by law.
28. SUCCESSORS AND ASSIGNS
The covenants, obligations and conditions herein contained shall be binding on and inure to the
benefit of the heirs, legal representatives, and assigns of the parties hereto.
29. SECTION HEADINGS
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The descriptive headings used herein are for convenience of reference only and they are not
intended to have any affect whatsoever in determining the rights or obligations of the Lessee,
Lessor, or Creditor. The pronouns used herein shall include, where appropriate, either gender or
both, singular and plural.
No indulgence, waiver, election or non-election by Creditor or Lessor under this Agreement shall
affect Lessee's duties and liabilities hereunder.
IN WITNESS WHEREOF, this Agreement is executed by the parties as of the date noted in the
Lessor is hereby notified that Creditor has assigned to an intermediary its rights (but not its
obligations) with respect to the purchase of this Mobile Home and the sale of this Mobile Home
at Lease termination.
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