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Where Great Rates, Great Programs and Customer Service Meet
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203K Streamline Lenders - Requirements for FHA Stream Line Refinance
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......  
FHA Mortgage Refinancing | FHA Home Loans | FHA Refinance | FHA Mortgage Refinance | FHA Mortgage Rates | FHA Home Equity
FHA Mobile Home Loan Refinance
FHA Streamline Refinance Manufactured Homes
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.

FHA Mobile Home Loans - FHA Loans - FHA Loan
Traditional Single Family & Manufactured Home with Land Loan


FHA - VA - USDA - Conventional - Jumbo Loans
30 YEAR FIXED MORTGAGE offers low mortgage rates on purchase or refinance home
loans with the security of knowing your payments won't change after you refinance or
buy a home, no matter how much rates fluctuate.

FHA MORTGAGE  Rate and Term Refinance to 97.75% of your home's value.
Cash Out Refinance Mortgage to 85% your home's value. Purchase Down Payment
3.5% of the home's value.
The streamline refinance is for mortgages already
insured by the FHA. You'll need to be current on your payments to
qualify but won't need a new appraisal or credit check.

USDA RURAL MORTGAGE Under the terms of the program, an individual or family
may borrow up to 100% of the appraised value of the home, which eliminates the
need for a down payment.  New rural area homes can be built or purchased.

VA LOANS The VA Home Loan program allows veterans with qualifying
income and credit to purchase a primary residence without putting any money down
towards the sale price of the home, as long as that sale price does not exceed the
appraised value of the home. Veterans do need money towards closing costs as well
as earnest money, which the seller generally requires when a sales contract is signed.
Closing costs may be paid by the seller, which can be negotiated when the sale price
of the home is set.

Should you need a home loan that is higher than the conforming loan limit,  
a
JUMBO HOME LOAN is the best option.
VA Jumbo Loan Qualifying customers can now apply for a VA Jumbo Loan up to
$1,000,000 utilizing the VALoans.com Super Max program. You can apply for a home
loan with no money down under new VA Loans Maximum Guaranty Amount
guidelines: No money down for qualified borrowers for home loans up to a maximum
of $417,000 or the higher limits for certain counties. The VA guarantees the loan up
to a maximum guaranty amount of 25% of the loan.

JUMBO MORTGAGE Need a larger home loan with a smaller rate and
lower payments? Finding the right
Jumbo Loan can be difficult. Let our experts do the
work for you. Currently, Fannie Mae's home loan limit is $417,000 (expect in Hawaii,
Alaska, and the Virgin Islands, which have a 50% higher limit). Mortgage loans that
are at or below $417,000 are called "conforming home loans" and loans over $417,000
are called "jumbo" or "non-conforming home loans." Save approximately .5% in interest
rates if you obtain a conventional home loan rather than a jumbo home loan.
Did You Know...?
We are your FHA loan 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 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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2012 Earth Works Trust Inc. All Rights Reserved
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,
Privacy policy: We respect your privacy! Your information will be kept confidential and disclosed only as allowed by law.
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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