| 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! |
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| Earth Works Trust Financial Services Serving Families and Business Nationwide Since 1990 Mobile Home Park Loan - Financing Land Home Loans |
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| Mobile Home Loan Lower your interest rate - Reduce your monthly payment - Shorten the term of your loan - Non-primary residence programs Mobile home refinancing lenders - Fixed rates - No prepayment penalties - No upfront costs - FREE QUOTE and NO OBLIGATION |
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