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FHA mobile home financing, FHA mobile home loans and refinancing from the nations leading Lender in FHA Manufactured and Mobile Home Financing, Loans.
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FHA Mobile Home Loans - FHA Manufactured Home Financing Loans
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Our professional staff  has decades of experience providing FHA mobile home loans, FHA mobile home financing and FHA mobile home refinancing
programs to thousands of satisfied customers with customer service second to none.  We are a direct source specializing in
FHA manufactured home financing and FHA manufactured home refinancing loans, nationwide.  Refinancing your current FHA mobile home loan
could save you thousands over the life of your FHA mobile home mortgage and also can provide cash out FHA mobile home refinancing loans for
anything you choose -----debt consolidation, tuition, FHA mobile home equity loans for improvements and more......  
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FHA Mobile Home Loans
We are your FHA mortgage source for
FHA Mobile Home Loans,
FHA Manufactured Home Loans,
FHA Mobile Home Refinancing,
FHA Manufactured Home Refinancing,
Lower Rates and Lower Payments.









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.
FHA Mobile Home and Manufactured Home Loan
Main Benefits of FHA Mortgages

Since 1934, the Federal Housing Administration (FHA) had helped American
homeowners afford more than 35 million properties. You could be next!  Let our
qualified loan professionals help you with this decision.

In this time of tightening credit guidelines for home mortgages and deflated
home values, FHA loans are more popular than ever.  FHA guidelines are
designed to offer more flexibility for evaluating individual borrowers.  
If you don't have much money for a down payment, or if your credit history
has a few blemishes, then maybe an FHA Loan is right for you.

FHA home loans for manufactured homes on land, as well as other residential
home types, are popular with people looking to purchase and refinance a home.

Here the main benefits of FHA mortgages.

To purchase, you can borrow 96.50% of the value of a home. Some down
payment can come from gifts or grants. That means people with moderate
incomes or who are first-time homebuyers may have a
better shot at meeting FHA guidelines.

A 620 FICO score or higher will make you a more serious contender to get
approved. You also won't be automatically disqualified if you have a foreclosure,
bankruptcy, or short sale in your past.

FHA home loans can be used to refinance as well as purchase a home.  
Up to 85% LTV for cash out refinances, and up to 97.75% for a straight
rate and term refinance.

The
streamline refinance is for mortgages already insured by FHA.
You'll need to be current on your payments to qualify but won't need
a new appraisal or credit check.

People who are self-employed may qualify for an FHA mortgage if they have tax
returns for the previous two years, a current balance sheet, and a profit and loss
statement. People who've been self-employed for a year could qualify if they had a
stable employment history the previous two years and still work in the same field.

FHA offers the 203(k) loan for homes that are fixer-uppers. This program allows
you to get a mortgage for the amount of the purchase price plus the funds needed
to make repairs and improvements to a house you plan to
live in as your primary residence.
Let our loan specialists help you with the right loan product today!
Yes! Land Home FHA loans are Still Available!
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.
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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
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FHA INSURANCE
FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.

LOAN CHECKLIST  Learn More
Before you start the loan process,
you'll want to be prepared for the loan
application. Have your information
organized and ready for your loan officer.
Be prepared to pay for a property
appraisal and a credit report.

CLOSING COSTS
While FHA defines which closing costs
are allowable as charges to the borrower,
the specific costs and amounts that are
deemed reasonable and customary are
determined by each local FHA office.

FHA DEBT RATIOS
In order to prevent homebuyers from
getting into a home they cannot afford, FHA
guidelines have been set in place requiring
borrowers and/or their spouse to qualify
according to set debt to income ratios.

FHA CREDIT ISSUES Learn More
An FHA loan applicant's past credit
performance that demonstrates good
credit history and a solid track record of
timely payments will likely be eligible
for the mortgage.
Manufactured and Mobile Home Loans