Mobile Home Parks - Mobile Home Loan - Manufactured Home Financing

Mobile Home Parks - Mobile Home Loan - Manufactured Home Land Financing

Offering mobile home park refinancing, mobile home park loans, manufactured home
refinancing and financing for mobile homes in parks and communities,
refinance or finance mobile homes, or the home and land on which the home sits. Our
manufactured home loan is considered a chattel mortgage, a term used when the land is
not a factor, or land home loan when the mobile home and land are included in the same
mortgage. If your manufactured home is located in a mobile-manufactured home park,
on leased land, a relatives land, on your land -- we can help!

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!

Mobile Home Refinancing - Loan - Manufactured Home Refinancing - Lenders

Arizona AZ, Arkansas AK, 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

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

Earth Works Trust
Financial Services
Serving Families and Business Nationwide Since 1990
Mobile Home Park Loan - Financing Land Home Loans

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

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

Start Free Request

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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