Manufactured Home Loan, Mobile Home Loan, Financing Land Home Loans

Manufactured and Mobile Home Loans
MANUFACTURED AND MOBILE HOME REFINANCING FINANCING
Offering mobile home loan - financing programs, manufactured housing loans,
refinancing for mobile homes in parks and communities, or the mobile home and
land on which the home sits. Refinance an existing home in a park, on rented,
leased lot, or with land tied to the manufactured home by deed or mortgage.

Credit Card Debt ... How it Affects your FICO Score

If you are thinking of refinancing or financing a manufactured home in a park or on land,
it's a good idea to understand some basic, but little-known, guidelines about credit card
debt. Most importantly, the three major credit bureaus (TransUnion, Experian, and
Equifax) have methods for considering credit card debt and are similar among the three.

First, it is recommended to owe 30% or less of a credit card's limit
Second, if a borrower has more than three or so credit cards, considered "revolving
credit," in addition to other revolving acccounts, such as department store accounts, then
this is viewed more negatively than fewer accounts and can significantly lower a FICO.
Third, and almost the opposite, is not having enough established credit history with
several good accounts.
Fourth, most lenders look for at least one installment loan, such as an auto loan, and at
least two revolving accounts opened and in good standing for at least two years. The
credit bureaus also need this payment history to produce a score.
Finally, as an aside, many borrowers think it's best not to use credit and prefer to be on a
cash basis for all the purchases. Unfortunately, without any established credit, they may
be surprised that the bureaus cannot even generate a credit score at all without some
kind of established history. Manufactured home loan financing and refinancing is our
specialty, and we're pleased to offer our valued customers all the information they need
in order to best prepare themselves to qualify for a loan.

Call us to see why we always "Go the Extra Mile" to ensure you receive the best rate and
term for your loan with friendly, professional service. We know you have choices when
choosing a lending professional ... you've made the right choice with us.

Thank you for choosing Earth Works Trust!

Manufactured Home and Land Loan, Mobile Home on Land Loans, Mobile Home Lenders Refinance 1-800-608-6898

Lower your interest rate - Reduce your monthly payment - Shorten the term of your loan - Non-primary residence programs
Mobile home land loans - Fixed rates - No prepayment penalties - No upfront costs - FREE QUOTE and NO OBLIGATION

Earth Works Trust
Family Financial Services
Serving Families and Business Nationwide
Mobile Home Loans

Across The Nation -- Down The Street -- 1-800-608-6898

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Additional Resources

1-800-608-6898

FHA Refinance or Finance

Our lenders priority
is to help you get the
best current interest
rates to purchase
your manufactured
home or improve the
terms of an existing
mobile home loan.

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Manufactured Home Loan - Mobile Home Loan - Financing

Manufactured Home and Land Loan Mobile Home on Land Loans -- Mobile Home with Land Lenders Refinance - 1-800-608-6898 -- Mobile Home Loans - Mobile Home Refinancing -- Mobile and Manufactured Homes With Land Loan - Refinance Land/Home Package -- FHA Loans -- FHA Mobile Home Lender - FHA Mobile Manufactured Home Refinancing Lenders --- Get the Best Rates & Terms! --- FHA Mobile Manufactured Land Home Financing and Refinancing -- Free Quote and No Obligation --- Skip A Payment --- Fixed Rates --- Toll Free --- 1-800-608-6898 --- In Park --- Leased Land --- On Rented Lot --- On Your Land --- Land Home Package --- or --- Home Only Package --- Financing & Refinancing Manufactured and Mobile Home Loans --- Nationwide Direct Source Mobile and Manufactured Homes With Land Loan Lender Programs 1-800-608-6898 - MANUFACTURED AND MOBILE HOME REFINANCING