FHA Loans - FHA Mortgage - FHA Home Loans - FHA Mortgage Refinance
FHA Home Loans, FHA Home Financing, FHA Home Refinancing
FHA Mobile Home Financing - FHA Manufactured Home Loans - FHA Mobile and Manufactured Home Refinancing
FHA Manufactured and Mobile Home Loans
FHA Manufactured Home Mortgage Lenders
FHA Manufactured Home Financing Is Still Available!

We focus on finding just the right loan program for you and your
property that will help you meet your financial goals. Our mobile home
mortgage program is a specialized FHA loan allowing us to offer extremely
low rates.  You’ll enjoy the security of fixed-rate financing and
loan terms up to 30 years.

FHA Manufactured Home Loans are normally the best way to finance
the purchase or refinance of a manufactured home because of
high loan-to-value ratios (LTV)—
96.50% for purchase and
97.75% for a rate/term refinance.  
Cash out refinances
are available up to 85% LTV.  Typically, a
minimum FICO score of 620 is required, though there are additional
factors that apply.   FHA tends to look at the whole credit profile and the
borrower’s ability to repay the loan.  FHA is also more forgiving of credit
problems in the borrower’s past.

FHA loans have less stringent credit requirements than
conventional loans, while conventional loans are still very attractive to
high FICO buyers with larger down payments.  To purchase with an
FHA mortgage, a 3.5% down payment is the minimum amount required,  
and credit scoresdo not have to be as high as for conventional loans.     
To be eligible for this mobile home loan the following requirements must be met:

  • The home must have been built after June 15, 1976, and in conformance with the
    Federal Manufactured Home Construction and Safety Standards. (There will be a
    certification label to signify this.)

  • The loan must also cover the land that the manufactured home sits on, the home must
    be on a permanent foundation, and cannot be located in a trailer park or flood zone.

  • The manufactured home must have a visible certification label (HUD tag) attached        
    to each transportable unit of the home. Inspections must include an Engineer's
    Certification signed with a raised seal verifying foundation meets HUD'S guidelines.

  • The borrower's credit score must be a minimum of 620.
FHA Mortgage - FHA Home Loans - FHA Refinance - FHA Mortgage Refinance - Mortgage Rates - Home Equity
FHA Mobile Home Financing - FHA Manufactured Home Loans - Mobile & Manufactured Home Refinancing
Does Anyone
Refinance A Mobile Home?
YES! We are your finance source for In Park
Mobile Home Financing, Mobile Home Loans,
Manufactured Home Refinancing,
Fixed Rates and Lower Payments

Does My
Mobile Home Refinance
Our specialists in mobile home refinancing
are qualified to quickly determine whether
mobile home refinancing will benefit you
and show you savings. Our goal is to make
sure each and every customer is offered
the right mobile home refinance option.
Our polite, professional and efficient staff has decades of experience providing manufactured home financing and manufactured home
refinancing loan options to many thousands of satisfied customers with superior service second to none.  We are a direct source for
manufactured home mortgage loans, manufactured home mortgage refinance, manufactured home mortgage rates and manufactured home
equity manufactured home mortgage refinancing loan programs.  We also specialize in options for mobile home refinancing, mobile home
loans, mobile home financing and manufactured home loan lender products specifically for manufactured housing lending nationwide.  
Your request gains access  to manufactured home purchase loans and manufactured home refinance loans at real savings.
Once you've found or already own the perfect home, you need the perfect financing or refinancing.  Let us find the best loan for you!
Refinancing for Mobile Home, Refinancing a Modular Home, Refinance a Mobile Home Loan, Refinancing for Manufactured Homes
Mobile Home Loans - Financing Loans - Mobile Home Loans - Refinancing Loans
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Earth Works Trust Financial Services doesn't lend money directly to borrowers, though we are a direct source to approved national lenders and
licensed independent mortgage professionals in your local area.  This allows for the widest variety of housing loan options to meet your needs. We
also work to make sure you have the resources you need when researching for a residential or manufactured home loan. We've developed tools to
make it easier to find the right loan product. Submission of this loan request form gives permission to contact you concerning housing loan products,
Privacy policy: We respect your privacy! Your information will be kept confidential and disclosed only as allowed by law.
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oans Home Financing and Refinancing Home Loans
Did You Know?
FHA Streamline Refinance
If you presently have an FHA
mortgage, you can easily qualify
for a
Streamline FHA Refinance
Mortgage. Easier guidelines -

Do You Qualify?
VA IRRRLStreamline Refinance
The Interest Rate Reduction Loan
NO Appraisal Required--NO Income
Documentation required--NO Mortgage
Insurance--NO Money out of Pocket
For Service Men, Women, Vets or
Start saving now!