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Niicss
Joined: 03 Oct 2005
Posts: 4834
Location: New Jersey
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Andrew
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Post subject: 20 somethings and loans? |
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I have heard that anyone under 30 should almost accept defeat by default when trying to get a loan for any type of house.
Having moderately good - good credit and very few liabilities (paid off car loan, good rental history, etc,.) how difficult would getting a loan for a manufactured home be? This would be our very first property. |
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debbiek
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| we are looking to purchase 2acres with 1996 mobile home not for primary residence. Is there financing for this? |
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smithsussane
Joined: 18 Sep 2008
Posts: 10439
Location: Alaska
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Hi!
Welcome to forums!
To Andrew,
Along with your credit, the lender will also check out your income before giving you a loan. If your financial situation is stable and if you've the required debt to income ratio, then it will be quite easier for you to get a loan for a manufactured home.
To debbiek,
You'll have to contact the local mobile home loan lenders and apply for a mortgage. If you satisfy the required criteria of the lender, then you would be able to get a loan.
Sussane |
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gerald beck
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Post subject: loan |
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looking to purchase a mobile home to put on my property.
and to get a well septic and electricity hooked up |
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billy bouncer
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Post subject: foundations |
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| my home is on a basement and I still get denied for a re-finance because of teh steel frame. where should i go next... |
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Andrea
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Post subject: Helping Client w/financing |
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| I am a REALTOR trying to help a client purchase a MH. She has been approved with a leander, however, they will not finance the MH & land for less than $50,000. The MH & land is listed for $42,900, however, I think that it can be negotiated to around $35,000. Would you company loan for less than $50,000? |
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Niicss
Joined: 03 Oct 2005
Posts: 4834
Location: New Jersey
508.88 Dollars($)
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jersey
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Post subject: mobile home financing |
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| i make about $28000 a year and am looking to finance a manufactured home in a park where i would pay a montly lot rent, i have a 780 credit score an zero debt, do you know what kind of intrest rate an loan term i can get? how would i go about finding a loan for this? |
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doug E
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Post subject: How to get a loan to build. |
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| have land payed for,need loan to purchase a new manufactured home and other improvements to land, we bacicly know how much we need to borrow, the home will be on a permanent foundation |
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Niicss
Joined: 03 Oct 2005
Posts: 4834
Location: New Jersey
508.88 Dollars($)
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Post subject: |
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To jersey,
You will have to contact the local mobile home loan lenders in order to get a mortgage for your manufactured home. With a credit score of 780, it won't be a problem for you to get a mortgage. The interest rates keep on changing on a day to day basis. When you contact a lender and get pre-approved for a loan, he'll let you know what type of rates and terms you would receive. You can even speak to the lenders of this community and seek a no obligation free mortgage consultation. This will help you know what type of rates and terms you would receive.
To doug,
As the home will be on a permanent foundation, you'll be able to qualify for a conventional mobile home loan. I would suggest you to speak to the local lenders who offer mobile home loans.
_________________
Good is the Enemy of Great. |
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kathleen
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Post subject: mobile home refis |
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| I am finding it hard to get my mobile home refianced. I don't have enough income, but I have good credit. My daughter has bad credit but great income Want to get on the loan together. Do you knowmof any one or anywhere to get a loan or that can help us. This is my daughter and we are raising my granddaghter together. My loan is expiring in june of this year. I can get an extention for another year. The interest I have now is 16% and short term. |
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Niicss
Joined: 03 Oct 2005
Posts: 4834
Location: New Jersey
508.88 Dollars($)
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Post subject: |
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You can check out if your lender allows your daughter to cosign the loan and considers her income while giving you the mortgage. If the lender allows your daughter to cosign the loan, then you would be able to refinance your mortgage.
_________________
Good is the Enemy of Great. |
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kmr
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Post subject: getting a loan |
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| I am interested in purchasing a property that has a mobile home on it. It has a basement and about 1 1/2 acres. I have been renting this place for 3 yrs and the landlord is thinking of selling. My credit is not the best but has been improving do you think there is anyone who may help me out in getting a loan to purchase this property |
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Post subject: |
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| I've never owned my own home but was deeded the home from mom when dad passed,and have been paying the mortgage loan for 21/2 years now.Can I get help with getting the loan in my name?36,000 is about what is owed on this 2000 Fleetwood. |
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