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FHA Modular Home Loans
FHA Modular Home Financing - FHA Modular Home Loans - Modular Home Lenders
Finance or Refinance Today!
Our FHA lender programs for modular homes are specific to this housing type.  
FHA-insured loans give modular home borrowers many advantages.

FHA loans often give FHA-insured mortgages to buyers without
large down payments, and also allow for lower FICO scores.
Other lender programs require a down payment of between 10 percent
and 20 percent of the modular home purchase price and are credit score driven.
Also, if there is not enough equity in the home, other loan
programs allow for less cash out in a refinance.

That's why so many borrowers are turning to FHA loans
to meet their financing needs.
FHA Loan-to-Value ratios
3.5 percent down for a purchase
97.75 percent for rate and term refinance
85 percent for cash out refinance

We focus on your mortgage needs with the goal of delivering a straightforward,
convenient experience.  We're here to assist you every step of the way!
Modular Home Refinancing (Rate/Term or Cash-out) - Modular Home Purchase with Great Rates.
If you presently have an FHA mortgage, you can easily qualify for a
Streamline FHA Refinance Mortgage.
Easier guidelines--no appraisal, low documentation for rate and term.
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA,
Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV,
New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Rhode Island RI,
South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA, West Virginia WV Wisconsin WI, Wyoming WY
1-800-608-6898
NO INITIAL CREDIT CHECK - NO SENSITIVE INFORMATION - FREE REQUEST
Your Privacy is Our Priority!
Earth Works TrustMobile Home Loans In Park or Home Only on LandLand Home Loans - With or Without LandModular Home Loan With or Without LandFHA Purchase, Refinance, Streamline Refinance,      Loan Limits Vary by CountyVA Purchase, Refinance, Streamline Refinance,      Jumbo Mortgage up to 1MEarth Works Trust Philosophy
Where Great Rates, Great Programs and Customer Service Meet
FHA Modular Home Mortgage
Find the perfect purchase mortgage
loan.  Choose from FHA, VA, USDA
Rural, as well as Jumbo Loans (FHA
VA included) up from 719,000 to
$3,000,000.  The Big Loan is Back!
FHA Modular Home Refinance
Cash out your equity now
for debt consolidation, home
improvements, paying off
debts or anything else you
want with your home's equity!
FHA Modular Home Loans
Rates are the lowest they've
been in close to 30 years.
Refinance now to get a lower
rate, turn your adjustable into a
fixed rate and get cash out!
NO INITIAL CREDIT CHECK
NO SENSITIVE INFORMATION ASKED
Privacy & Security Protected
Modular Home Financing
YES!  We are your financing resource
for Modular Home communities.
Modular Home Loans,
Modular Home Financing,
Modular Home Refinancing
Fixed Rates and Lower Payment
s.












Modular Home Refinancing Loans
Get up to 60 days with no payment
Lower and fix your rate and payments
Get up to 95% loan-to-value ratio
Build equity faster
Flexible terms
No maximum loan amounts
No seasoning requirement
No mortgage insurance requirement
Closing cost financed!
FHA loan requirements and guidelines are
simple and easy to understand. Prepare for
your FHA home loan with some important
steps to be sure of an affordable 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.

FHA Modular Home Loans - FHA Modular Home Financing - Loans

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