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Modular Homes - The Up and Coming Building Style Explained
Refinance Modular Home - Refinance - Modular Home Refinancing
Options for Modular Homes mortgages have long been misunderstood.
Because Modular Homes are built to local and state building codes
and assembled in a number of modules on the home site, they
absolutely qualify for traditional low-rate mortgage financing typically
accorded to site-built homes. Every type of home loan product is
available to Modular homeowners and home buyers--
Modular Homes are unique under the broader category
of "prefabricated" homes because they are not built to a
national HUD standard, but rather they are subject to the same building
codes for state and locality as site-built homes. Modular Homes are
virtually indistinguishable from traditional stick-built homes.
If Your Modular Home is in a Leased Lot Community
Single section modular homes can be no older than 20 years.
Multi-Section modular homes can be no older than 1977,
with the exception of California, where the multi-section modular homes
can be 1970 & newer. All modular homes must be in good condition, and
must not need major repair, to include roofing, skirting, siding and carpeting.
Modular homes can be located in modular home parks, on owned
or leased land, or on private or family land.
|NO INITIAL CREDIT CHECK - NO SENSITIVE INFORMATION - FREE REQUEST
|We are pleased to offer modular home loans for home purchases and mortgage refinance loans. Modular home financing and refinancing products
are the same as traditional stick-built home loan products because of the high construction standards of modular homes. In fact, a modular home is virtually
indistiquishable from a site built home. That's why the best home loan products are available for modular home financing and refinancing. Low-down-payment
FHA insured loans, FHA Streamline Refinancing for existing FHA mortgages, Conventional, VA and Jumbo mortgages are all available
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Trusted resource for modular home loans, financing, refinancing and purchasing.
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|FHA loan requirements and
guidelines are simple and easy to
understand. Prepare for your
FHA home loan with some
important steps to make sure
you can afford the mortgage.
|Did You Know...?
The FHA, or Federal Housing
Administration, provides mortgage
insurance on loans made by FHA
approved lenders. FHA insures these
loans on single family and multi-family
homes in the United States
and its territories. It is the largest
insurer of residential mortgages in
the world, insuring tens of
millions of properties since 1934
when it was created.
The FHA wants you to get the loan
amount you are qualified for and
sets up conditions to allow you to
successfully buy an FHA home.
One major mistake potential
homebuyers can make when
applying for an FHA home loan
is to make a major credit purchase.
Don't cloud your debt-to-income ratio
with a big purchase before applying
for your loan.
To pre-qualify for an FHA loan,
you should be able to demonstrate
employability, job stability and reliability.
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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,
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