Mobile Home Financing - Manufactured Home Loans - Mobile & Manufactured Home Refinancing
Manufactured and mobile home loans, refinancing and financing in a Park, leased or family land. Cash Out, debt consolidation,
home equity loan, shorten the loan term or lower the interest rate on your double wide or single wide mobile home loan.
Earth Works Trust Inc.
Manufactured and Mobile Home Loans Nationwide
Faster, Easier and Safer
"Where Great Rates, Great Programs and Customer Service Meet"
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"Manufactured Home Refinancing Lenders, Loans, Mobile Home Financing , Refinancing Mobile Home, Park Loans"
Mobile and Manufactured Home Financing - Mobile Home Loans
     Mobile and Manufactured Home Financing - Mobile Home Loans

Frequently Answered Questions
Q. Is single wide or double wide lender refinancing available for homes in parks, on
leased,  family land, or land where the deed or mortgage is separate from the
home?
A. Yes!  These are "home only" or "chattel" loans,  and there are excellent rates
and terms for refinance. In newer homes, a mobile home equity loan may be
available.
Q. Is refinancing available for homes with land tied by way of deed or mortgage?
A.  Yes!  In most states refinancing is available, often equity is available for debt
consolidation or home improvements depending on the home value. These are
“land/home packages.”  Certain conditions apply.
Q. How do I save money by refinancing my home?
A. First, by obtaining a lower interest rate.  Also, you may wish to shorten the loan
term  which often saves thousands in interest over the life of the loan.
Q. What do I need to qualify?
A. Verifiable income with consistent 3-year employment history.  Self-employed
borrowers need two years tax returns showing sufficient net income to support
debt. Minimum credit guidelines apply.  Each situation is different, and loan types
depend on several factors: year of home, manufacturer, home value, land value,
foundation type, credit history, income, employment history and total debts among
other factors.
Q. Is the age of the home a factor to a refinancing lender?
A. Yes.  The home must be newer than 1977 in most cases.  The newer the home
the more likely equity cash will be available. Models older than 1977 in California
may qualify for mobile home equity loans as well.
Q. What does it cost to apply for manufactured refinancing or to get a quote?
A. There is NO loan application fee, obligation or cost for a quote!



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Purchase or Refinance