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Guidelines for Manufactured Home Financing  
Home Only or Land Home Together

Financing a manufactured home is quite similar to purchasing a single-family home.
The guidelines that control an approval --- credit worthiness, income, employment history,
debt-to-income ratio and assets --- affect interest rates and down payment
requirements.  The year of the manufactured home and its value is quite an important
determining factor.  Homes situated in lease-lot communities will qualify for cash out refinance,
as long as the home is new enough to have equity or the mortgage balance
being refinanced is low enough to have equity for older homes.

New and used manufactured home purchases can be approached differently.  
We make purchase financing for new home from a dealership available, and the home
can be placed in any location of your choosing.  Plus all costs associated with the loan
are detailed for you in a completely up front manner, so there are no surprises.  

It is
NOT recommended to finance your new manufactured home through the
dealership, as often "mysterious junk fees" are included in the loan, and these fees
can add up to thousands of dollars. Our new home loan programs are the most
competitive in the industry, and can offer you many options relative to interest
rate and loan term. Obviously the higher the credit score, low debt-to-income
and a minimum 5% down  payment will ensure most borrower's
realizing the dream of home ownership.

When searching for a used home in a community, a realtor is often your
best resource for getting the best deal.  He or she can show you numerous homes
in desirable communities that fit your lifestyle and budget.  All we need is a purchase
contract and verification of the source of down payment funds to get started.

Should you begin your financing search with us?  ABSOLUTELY!  Why?  
Manufactured home financing and refinancing have been our specialty for 20 years,
and we've helped many thousands of satisfied customers.  
We'd like to count you as a satisfied customer as well.
NO INITIAL CREDIT CHECK - NONSITIVE INFORMATION - FREE REQUEST
Our polite, professional and efficient staff has decades of experience providing manufactured home financing and manufactured home
refinancing loan options to many thousands of satisfied customers with superior service second to none.  We are a direct source for
manufactured home mortgage loans, manufactured home mortgage refinance, manufactured home mortgage rates and manufactured home
equity manufactured home mortgage refinancing loan programs.  We also specialize in options for mobile home refinancing, mobile home
loans, mobile home financing and manufactured home loan lender products specifically for manufactured housing lending nationwide.  
Your request gains access  to manufactured home purchase loans and manufactured home refinance loans at real savings.
Once you've found or already own the perfect home, you need the perfect financing or refinancing.  Let us find the best loan for you!
Refinancing for Mobile Home, Refinancing a Modular Home, Refinance a Mobile Home Loan, Refinancing for Manufactured Homes
Mobile Home Equity Loans
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
Mobile Home Refinance 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!
Mobile Home Purchase Loans
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.  
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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,
Privacy policy: We respect your privacy! Your information will be kept confidential and disclosed only as allowed by law.
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