FHA Manufactured Home Mortgage Loan | FHA Mobile Home Mortgages

FHA Mobile Home Financing | Manufactured Home Loans & Refinancing
Yes! Get FHA mobile home loans here. FHA Loan offers financing for manufactured homes and mobile homes. FHA Manufactured Home Loan and FHA Home Loans.

FHA Mobile Home Financing Specialists - FHA Mobile Home Refinancing Lenders

Where Great Rates, Great Programs and Customer Service Meet
FHA Manufactured Home Mortgage Loan | FHA Mobile Home Mortgages

FHA Manufactured Home Mortgage Loan Program
FHA Manufactured Home Mortgage Lenders

FHA Mobile and Manufactured Home Mortgages Are Still Available!

The standards for all types of housing loans have changed in the last year because of the
credit turmoil and the economic crisis that we are currently going through, though conditions
are improving.The good news is this! The HUD-approved, FHA Manufactured Home Loan
has been less affected by the tightened standards. In fact, FHA is the largest insurer of
manufactured home loans.

We focus on finding just the right loan program for you and your property that will help
you meet your financial goals. Our mobile home mortgage program is a specialized
FHA loan allowing us to offer extremely low rates. You’ll enjoy the security of
fixed-rate financing and loan terms up to 30 years.

FHA Manufactured Home Loans are normally the best way to finance the purchase or
refinance of a manufactured home because of high loan-to-value ratios (LTV)—96.50%
for purchase and 97.75% for a rate/term refinance. Cash out refinances available to
85% LTV. Typically, a minimum FICO score of 620 is required, though there are
additional factors that apply. FHA tends to look at the whole credit profile and
the borrower’s ability to repay the loan. FHA is also more forgiving of credit
problems in the borrower’s past.

FHA loans have less stringent credit requirements than conventional loans, while
conventional loans are still very attractive to high FICO buyers with larger down payments.
To purchase with an FHA mortgage, a 3.5% down payment is the minimum amount
required, and credit scores do not have to be as high as for conventional loans.

To be eligible for this mobile home loan the following requirements must be met:

The home must have been built after June 15, 1976, and in conformance with the
Federal Manufactured Home Construction and Safety Standards. (There will be a
certification label to signify this.)
The loan must also cover the land that the manufactured home sits on,

the home must be on a permanent foundation, and cannot be located in a
trailer park or flood zone.

The manufactured home must have a visible certification label (HUD tag) attached

to each transportable unit of the home. Inspections must include an Engineer's
Certification signed with a raised seal verifying HUD foundation guidelines

The borrower's credit score must be a minimum of 620.

Please note that this is only a partial list of guidelines and the guidelines may change at any time.

NO INITIAL CREDIT CHECK - NO SENSITIVE INFORMATION - FREE REQUEST

Manufactured Home Land Loans - Mobile Home Land Financing - Mobile & Manufactured Home Land Refinancing
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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Please complete our loan request form
to expedite the loan process. A loan
officer is waiting to serve you. If your
request fits one of our programs,
we will contact you between
9 AM and 9 PM in your time zone

FHA Mobile Home Mortgage
YES! We are a FHA Mortgage source for
FHA Mobile Home Mortgage Loans,
FHA Mobile Home Financing
FHA Mobile Home Refinancing,
FHA Manufactured Home Mortgage,
FHA Manufactured Home Financing
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.

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 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.