FAQ's
Q. Is single wide or double wide financing or refinancing available for homes in
parks, on leased,  family land, or land where the deed or mortgage is separate
from the home?
A. Yes!  These are "home only" or "chattel" loans,  and there are excellent rates
and terms for purchase or refinance.
Q. Is financing or refinancing available for homes with land tied by way of deed
or mortgage?  FHA Loans and Conventional Loans 50 States
A.  Yes!  In most states purchase and refinancing is available, sometimes with
extra equity cash available for debt consolidation or home improvements
depending on the home value. These are “land/home packages.”  Certain
conditions apply.
Q. How do I save money by refinancing my home?
A. First, by obtaining a lower interest rate.  Also, you may wish to shorten the
loan term which often saves thousands in interest over the life of the loan.
Q. What do I need to qualify?
A. Verifiable income with consistent 3-year employment history.  Self-
employed borrowers need two years tax returns showing sufficient net income to
support debt. Minimum credit guidelines apply.  Each situation is different, and
loan types depend on several factors--year, make, home value, land value, credit
history, income, employment history and total debts.
Q. What are the down payment requirements for purchases?
A. At least 5% of the purchase price, with better rates for higher down
payments.   Also, a shorter term often shows better rates and the greater savings.
Q. Is the age of the home a factor in locating financing or refinancing?
A. Yes.  The home must be newer than 1977 in most cases.  The newer the
home the more likely equity cash will be available.  Pre-1977 in California  
Q. What does it cost to request financing or get a quote?
A. There is NO loan request fee, obligation or cost for a quote!
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Alabama AL Montgomery Birmingham,  Alaska AK Juneau Anchorage, Arizona AZ Phoenix, Arkansas AR Little Rock, California CA Sacramento Los
Angeles, Colorado CO Denver, Connecticut CT Hartford Bridgeport. Delaware DE Dover Wilmington, Florida FL Tallahassee Jacksonville, Georgia GA
Atlanta, Hawaii HI  Honolulu, Idaho ID Boise, Illinois IL Springfield Chicago, Indiana IN Indianapolis, Iowa IA Des Moines, Kansas KS Topeka Wichita,
Kentucky KY Frankfort Louisville, Louisiana LA Baton Rouge New Orleans, Maine ME Augusta Portland, Maryland MD Annapolis Baltimore, Massachusetts
MA Boston, Michigan MI Lansing Detroit, Minnesota MN Saint Paul Minneapolis, Mississippi MS Jackson, Missouri MO Jefferson City St. Louis, Montana
MT Helena Billings, Nebraska NE Lincoln Omaha, Nevada NV Carson City Las Vegas, New Hampshire NH Concord Manchester, New Jersey NJ Trenton
Newark, New Mexico NM Santa Fe Albuquerque, New York NY Albany New York City, North Carolina NC Raleigh Charlotte, North Dakota ND Bismarck Fargo,
Ohio OH Columbus, Oklahoma OK Oklahoma City, Oregon OR Salem Portland, Pennsylvania PA Harrisburg Philadelphia, Rhode Island RI Providence,
South Carolina SC Columbia, South Dakota SD Pierre Sioux Falls, Tennessee TN Nashville Memphis, Texas TX Dallas Austin Houston, Utah UT Salt Lake
City, Vermont VT Montpelier Burlington, Virginia VA Richmond Virginia Beach, Washington WA Olympia Seattle, West Virginia WV Charleston, Wisconsin
WI Madison Milwaukee, Wyoming WY Cheyenne   This communication does not constitute a commitment to lend. All loan programs are subject to underwriting approval,
which includes, but is not limited to, credit history,review and acceptance of a complete property appraisal or inspection, clear property title, and review and acceptance of
employment and/or income documentation, debt analysis, final loan approval and other factors.
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Offering manufactured home refinance, mobile home refinance, loans for
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cash out, equity loan, home improvement
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NEW and USED HOMES
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Mobile Home Loans funded in the following states
AL AK AZ AR CA CO CT DE FL GA HI IA ID IL IN  KS KY LA MA MD ME MI MO MN MS MT
NE NC ND NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
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Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, Florida FL, Georgia GA,
Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA,
Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ,
New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA,
Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA,
West Virginia WV, Wisconsin WI, Wyoming WY,  FHA Loans Land Home Financing and Refinancing Mobile, Manufactured, Modular Homes