Manufactured Home Refinancing, Manufactured Home Financing, Lenders

Manufactured Home Refinancing - Manufactured Home Financing - Lenders

Manufactured Home Refinancing for mobile home loans, financing and refinancing,
manufactured home chattel loan and land home lender mortgage loans for housing
refinance nationwide. Refinancing your manufactured home located in a
mobile-manufactured home park, on leased land, a relatives land, on your land, or you
wish to purchase land -- we can help!

Mobile Home Refinancing - Loan - Manufactured Home Refinancing - Lenders

Lower your interest rate - Reduce your monthly payment - Shorten the term of your loan - Non-primary residence programs
Mobile Home refinancing 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
Manufactured Home Refinancing Lenders

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

U.S. Chamber of Commerce
America's Community Bankers
Mortgage Bankers of America
National Assoc. of Realtors
National Assoc. Home Builders
Department of Treasury
Treasury Direct - Investing
Federal Reserve System
Small Business Admin.
National Bankers Assoc.
House Financial Services
I ndependent Bankers
Conference of Mayors

Additional Resources

1-800-608-6898

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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Arizona AZ, Arkansas A R, California CA, Colorado CO, Delaware DE, Florida FL, Georgia GA, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS,
Kentucky KY, Louisiana LA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Mexico NM,
North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, South Carolina SC, South Dakota SD Tennessee TN,
Texas TX, Utah UT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY

Mobile Home Refinancing programs in the following states
AL AZ AR CA CO DE FL GA ID IL IN IA KS KY LA MD MI MN MS MO MT NE NH
NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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!