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we have a brand new 2011 mobile home, lived in about 3 mos. It is completely paid for and worth $39,000. We need a loan of approx $5,000 for repair work to our home & we are paying for our home, we still owe $96,000 on it with a $10,000 home equity loan. our credit scores are in the 500-600 range. We are paying our billls on time now, (we both had medical problems in the past with lots of expense) and we are both on social security retirement. We would be able to pay $300-$350 back as monthly payments. The mobile home is single wide on a permenent foundation.

smithsussane · Posted: Wed May 11, 2011 10:21 pm Post subject:

Hi Wanda!

Welcome to forums!

You can take out a personal loan in order to make the required repair works. However, you should note that personal loans are available at a higher interest rate. Thus, you may have to pay a higher amount for that loan on a monthly basis.

Feel free to ask if you've further queries.

Sussane

Guest

we would like to take a loan against our modular home that is paid off, we rent the lot it is on but the home is bought and paid for. what do we need to do? we would like between $10,000-$15,000 for home improvements we would like to do.

jerry · Posted: Mon May 07, 2012 2:53 am Post subject:

Hi Dale,

You will have to contact the local lenders and apply for a modular home loan. The lender will check your financial situation and your credit scores and then let you know whether or not you will qualify for a loan.

Thanks,

Jerry

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