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Just a few moments of your time could save you thousands of dollars in finance charges on your mortgage. We make it easy to get a manufactured home loan or mobile home loan across the nation with all types of loans from nationally recognized lenders. We offer a variety of programs and loans to fit your individual needs. We have helped thousands of satisfied clients save money on their mobile home loan.



Short on cash, but need new equipment to grow? Lease what you need. What It Is: Equipment leasing is basically a loan in which the lender buys and owns equipment and then "rents" it to a business at a flat monthly rate for a specified number of months. At the end of the lease, the business may purchase the equipment for its fair market value (or a fixed or predetermined amount), continue leasing, lease new equipment or return it. Appropriate for: Any business at any stage of development. For start-up businesses with no revenues, "small ticket" leases, those of $100,000 or less, are feasible on the personal credit of the founders or owners-if they are willing to make the monthly payments. Supply: Abundant. Of the billions of dollars individual and institutional investors pour into the capital markets each month, a good hunk finds its way to leasing companies that use these funds to purchase equipment on behalf of small businesses. With more and more money flowing into the markets, leasing companies are flush with capital. As a result, they are eager to do business and respond to competition with lower monthly rates. Best Use: Financing equipment purchases. Leasing can also finance the soft costs often associated with equipment purchases, such as installation and training services. Cost: Lease financing is generally more expensive than bank financing, but in most instances it's more easily obtained. Ease of Acquisition: Easy for leases of less than $100,000. An application for a small-ticket lease is generally no more complex than a credit card application. Leases for more than $100,000 require detailed financial information from the business, and the leasing company conducts a more thorough credit analysis than it would for a smaller transaction. Range of Funds Trypically Available: Unlimited First Steps Finding an equipment-leasing company is easy. Almost any equipment a business could conceivably need offers a lease option. Thought it's not apparent at first glance, the company offering the lease financing is not the same one that is selling the equipment. The company selling the equipment simply makes a direct referral to a leasing company with which it does business. It's a good idea to get a quote from the leasing firm referred by the company that wants to sell you the equipment. The quote should be competitive. After all, the company selling products wants to sell as many as possible, and it surely doesn't win any points by referring a leasing company that gouges its customers. But it also pays to get another quote. Usually, the company selling the equipment works with more than one leasing company. Or ask a friend or a business associate for a referral. As a final point, when looking for a leasing company you should understand whether you are talking to a broker-the person who simply structures deals, then gets them financed through any of the leasing companies he or she works with-or a leasing company that is actually putting its own funds on the line. There's nothing wrong with brokers. The situation is analogous to working with an independent insurance agent. He or she might have intimate knowledge of the marketplace and know where to go to get the kind of insurance, or lease, in this case, you need. In theory at least, this may generate savings in excess of the broker's fees. But as when dealing with insurance agents, you should always keep one thing in mind when working with a broker: Buyer beware. Equipment Leasing & Commercial Financing

Mobile Home Financing programs


A term used when describing a mobile or manufactured home mortgage. Specifically when the home is not financed with the land.

Title I manufactured home loans are not Government loans or grants, and are not low interest rate loans. The interest rate is fixed and is generally based upon the prevailing market rate in the area at the time the loan is made. FHA does not lend money.

Purpose of the Loan

A Title I loan may be used for the purchase or refinancing of a manufactured home, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence of the borrowers.

Maximum Loan Amount

  • manufactured home only - $48,600

  • manufactured home lot - $16,200

  • manufactured home & lot - $64,800

The dollar limits for lot loans and combination loans may be increased up to 85 percent in designated high-cost areas. For further information on high-cost area limits, contact the local HUD field office.

Maximum Loan Term

  • 20 years for a loan on a manufactured home or on a single-section manufactured home and lot.

  • 15 years for a manufactured home lot loan.

  • 25 years for a loan on a multi-section manufactured home and lot.

Manufactured homes are usually purchased through dealers or retailers that sell the homes. The names of lenders in your area which specialize in financing manufactured homes can be obtained from local retailers. These retailers are listed in the yellow pages of your telephone directory. They have the required application forms. FHA neither loans money nor gives grants to purchase homes. Also, manufactured homes must comply with the National Manufactured Home Construction and Safety Standards. The approved FHA lender can explain the mortgage credit and income eligibility requirements to qualify for a loan.

Consumer Protection

HUD provides two types of consumer protection. The borrower must sign a HUD Placement Certificate agreeing that the home has been installed and set-up to their satisfaction by the retailer before the lender can give the loan proceeds to the retailer. After moving in, the borrower can call HUD at (800) 927-2891 to get assistance about the problems with construction of the home.

Eligible Borrowers Must:

  • Have sufficient funds on hand to make the minimum required downpayment of 5 percent.

  • Be able to demonstrate that they have adequate income to make the payments on the loan and meet their other expenses.

  • Intend to use the manufactured home as their principal residence.

  • Have a suitable site on which to place the manufactured home. The home may be placed on a rental site in manufactured home park, or on an individual homesite owned or leased by the borrowers.

An Eligible Manufactured Home Must:

  • Meet the National Manufactured Home Construction and Safety Standards.

  • Carry a one-year manufacturers warranty if it is a new manufactured home.

  • Be installed on a homesite that meets established local standards for site suitability and has adequate water supply and sewage disposal facilities available.

The proceeds of a Title I manufactured home loan may not be used to finance furniture (for example, beds, chairs, sofas, lamps, rugs, etc.). However, built-in appliances and equipment and wall-to-wall carpeting are eligible for financing.

Equal Opportunity in Housing

The Fair Housing Act prohibits discrimination in housing and related transactions--including mortgages and home improvement loans. Lenders may not deny funds or offer less favorable terms and conditions in lending on the basis of the borrowers race, color, religion, sex, national origin, familial status (i.e., the presence or number of children in a household) or disability. In addition, lending decisions may not be based on the race, color, sex, religion, national origin, familial status or disabilities of persons associated with the borrower or with the area surrounding the property. If you believe you have been the victim of discrimination in mortgage lending on one of the prohibited bases, you may file a fair housing complaint by contacting a local fair housing advocacy group, the Office of Human Rights for your state or local government, or by calling the national Fair Housing Hotline at (800) 669-9777 or TTY: (800) 927-9275.