| Mobile Home Refinancing Loans - Mobile Home Refinance Loans |
| Most Frequently Answered Questions 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? A. Yes! In most states purchase and refinancing is available, sometimes with extra equitycash 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 interest rates and the greater savings. Q. I want to purchase a home from a dealer and place it on land I own or wish to buy. A. Construction loans for this purpose are available in many states. 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 for “home only.” 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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| Believe This! 19 million people are living in manufactured homes now. Manufactured Home Purchase or Refinance Today! Mobile Home Loans - New and Used Homes - Mobile Home Refinancing Debt Consolidation - Cash Out - Home Equity Loans - Home Improvement No Obligation - No Initial Credit Check - Invest 90 Seconds! |
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