Qualifications

Qualifications for mobile home financing:

Refinance Customer Requirements:

Must have good credit, with at least 3 open trade accounts.
Home must be owner occupied unless a family member.
We do not finance rentals.
Established credit for a minimum of 24 months.
Your credit score must be 680 or higher. Please check your credit report before applying.
Five month minimum payment history on home loan to be refinanced.
Must have a consistent employment history.
If Self-Employed, must have two years complete tax returns with all schedules, business bank statements for two months.
Must be self employed for a min of two years there are no exceptions. Income for self employed is calculated after deductions.
Income must be documented (W2'S, 1099's, Pay stubs, Employment Letter).
Must have at least 2 years consistent employment.
Must be at current job for at least 4 months.
No repossession, charge-off, or major collection activity within two years.
Bankruptcy discharged for at least 5 years with good established credit
after the BK.
No 30 day late payments on home within the past year.
For cash out programs customers must have good credit (680+ FICO).

Manufactured / Mobile Home Requirements:

Mobile Home must be from 1976 or newer.
For cash out home must be 1980 or newer.
The amount to finance cannot be less than $10,000.00.
Mobile Home must be 1990 or newer for cash out or consolidation of debt.
Mobile Home must be in a park, community, leased land, family land, Indian reservation, private land, or on land that is not tied to home by mortgage or deed.
WE DO NOT FINANCE Land Home Loans
Mobile Home must be set at the home site, and be in livable condition, with skirting.
Contact Customer Service for more information. TOP OF PAGE

Purchase Requirements

Customer Requirements:

Home must be owner occupied there are no rentals financed.
Buy For /co-signing available for family members.
Must have at least 5% down.
There are NO zero percent down programs.
Rates drop with greater the down payment and shorter term.
Must have good established credit history with credit FICO score of at least 680.
Customers with lower credit will required 10% - 40% down.
Must have consistent employment history of at least 2 two years.
Must be at current job for at least 6 months.
If self employed, must show complete two years tax returns with all schedules.
Must be self employed for a min of two years there are no exceptions. Income for self employed is calculated after deductions.
Income must be documented (W2's, Pay Stubs, Retirement Letters, Award Letter). There are no stated income programs.
No repossessions, charge-offs, or major collection activity within the last two years. No foreclosures within the last 8 years.
Bankruptcy must be discharged for at least 6 years. With good established credit history after Bankruptcy. TOP OF PAGE

Manufactured / Mobile Home Requirements for Purchase Loan:

Mobile Home must be from 1976 or newer.
1970-1976 California only. (Requires 25% down).
New and Used Mobile Home Financing Available.
We DO NOT finance bank repossessions or foreclosures.
With or without foundation.
Mobile Home must be built to minimum HUD Standards and at least 14' wide.
The amount to finance cannot be less than $10,000.00.
Mobile Home must be on the lot or land already.
WE DO NOT FINANCE Land Home Loans
We do not finance moving and set up of the mobile home.

CONTACT US FOR MORE INFORMATION 1-831-920-4578

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Upcoming Events:

Date: 01.15.2007

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Qualifications

Qualifications for mobile home financing:

Purchase Requirements

Upcoming Events:

Date: 01.15.2007

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Date: 03.21.2007

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