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Title loans on mobile homes - How can I get one?

i have free and clear title for my 1970 mobile home, and i need to borrow 3,000.00 dollars, can I?

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi laneyjoshua,

It will be quite difficult to get a loan against your mobile home. You own the property title free and clear. But the home is quite old. The mobile homes built before 1976 do not meet the property requirements as per the Federal National Manufactured Housing Construction and Safety Standards Act of 1974. Such old homes depreciate fast, which is why lenders do not generally want to offer loans against such old mobile homes.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Is is possible to get a title loan on a mobile home as new as 2000

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Can I get a loan with the title to my mobile home, it's free and clear? I have poor credit and I need about $2500-$3000.

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Michele,

It is possible to get a loan using your mobile home as collateral. The mobile has to be free and clear of any liens and there should not be enough equity in it. The home also needs to meet the property eligibility criteria.

Hi Phyllis,

Qualifying for a loan with a poor credit is almost impossible in this economy. It all depends on how poor your credit is. If it is way below 600 points, you will not qualify for any type of loan.

Thanks,

Jerry

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

the topic here is "title loans." i have no personal involvement with or knowledge of these loans, but i do know that there are shops that will hold a title as collateral for loans, such as are being discussed here.

funny, though...i just did an internet search for "title loans" and the first thing that popped up was "[b:c1230d19f0]why title loans are a bad idea[/b:c1230d19f0]" - an article that appeared on the CNN website a while back.

well, i think we all know that title loans and payday loans and pawn shop loans are bad ideas, but when a person owns something of value free and clear, and is in need of funds, they can come in handy.

laney, michele and phyllis - i think your best bet is to ask around in your local community or do internet searches to determine if you might be able to use your titles for collateral for a loan. i have a feeling you'll not find too many people interested in holding the title to a mobile home, though.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i desperatly need a small loan of 2600.00. i own my mobile home and have title could i get an immediate loan using title /mobile home as collaterall???????????????

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

jess, it sure makes sense for you to try to do it. you need to locate a lender in your area, though, and query with them to see if they'll take your title as collateral. of course, you'll have to document your income, your assets and have your credit in order to qualify for such a loan.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:18 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Looking for a short time loan of 4,000.00 for improvements to my mobile home retired my husband gets his ssi and military pension and also my ssi and i bought 2 mobile homes for my children and payed cash for them and they pay us 1,000.00 a month no bills just space rent and utlitites. waiting for the irs to process my new home owners cash rebate they have until the end of july to respond to me. thankyou for any help and my mobile home is mine free and clear.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

just sent a message a few minutes ago forgot to say.

[size=9:b72929b178][color=Red:b72929b178][Email address deleted as per forum rules. Thanks.][/color:b72929b178][/size:b72929b178]

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

To Nancy,

If you intend to get a loan of $4k using the mobile home as collateral, it is possible. However, things might be a little difficult for you since not may lenders offer loans against mobile homes these days. But you have the option to go for a personal loan to get the required money. What are your credit scores?

You may go for a no obligation free mortgage quote with the community lenders to check out if you qualify for a mobile [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url]. In case you want to go for a personal loan, contact your local lenders.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

can i get a loan using the title on my mobile home it was built in 1985, i want to use the money to save my home which is in foreclouser i only need about 5,000 dollers and i can make weekly payments to pay back the loan please i need some help i dont want to lose my home????

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Jenny, are you trying to save the mobile home, or is that a separate property? You'll find yourself in a tough spot, I fear, due to the fact that you're already facing foreclosure, and your credit record has been damaged by that.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

the trailer is a 2000 free and clear
and just wanting to borrow 1,000
maybe a 90 day loan

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi ctaylor!

Welcome to forums!

I don't think you would be able to get a conventional mortgage for such a small amount. You can contact the private lenders who offer loans for such small amounts.

Feel free to ask if you've further queries.

Sussane

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Sussane, undoubtedly you are correct. But of course, ctaylor is not looking for a conventional mortgage anyway. What he/she is seeking is a 90-day note - nothing like a mortgage to begin with.

ctaylor, you are likely to find a better reception with a local lender - a small bank, credit union, etc. for this sort of borrowing. Call around to see what you might find.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my DAUGHTER AN I HAVE A 1994 MOBLIE HOME AND I OWN ONE THAT UP FOR SELL NOW, i NEEDED 6,000 TO PURCHASE ANOTHER MOBLIE HOME

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi LORRETTA!

Welcome to forums!

You can take out a mortgage on the new mobile home that you're purchasing. However, if you already have a mortgage on any other property, then it will be difficult for you to get a loan.

Feel free to ask if you've further queries.

Sussane

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

But Loretta, take heart from the fact that you're in the process of selling you existing home. Don't be discouraged.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I owe my own mobile home. I would put my home up for collatteral.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Joshua,

You will have to contact the local lenders and apply for a loan. I guess you want to buy the land on which you want to place the property. Thus, you'll have to apply for a land loan. If you meet the required criteria of the lender, then you'll be able to get a mortgage.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have a 2003 modular mobile home. It's a 28x64 and is valued at over $65,000. own it free and clear, but the problem is my credit is bad. If I get a small loan, like $3000.00, could I put the home up as collateral and then it would help build my credit?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Nicole!

Welcome to forums!

With a bad credit, it will be difficult for you to [url=http://www.mortgagefit.com/Mortgage-Basics/do-i-qualify-for-a-mortgage.h... for a mortgage[/url]. You will have to improve your credit score in order to get a mortgage.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i wonna know can i get a 3000 dallor title loan on my 1994 mobile home

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi stacey!

Welcome to forums!

It may difficult for you to qualify for such a small amount of loan from the conventional lenders. You can contact a lender offering personal loans for mobile homes and check out if he can help you.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

need to get 7.000 on1996 28/48

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Rhonda!

Welcome to forums!

You will have to contact the local lenders and apply for a loan. If you meet all the required criteria of the lender, you will be able to get a loan.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

do you know a loan company that I can use to get this loan

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi beverly!

Welcome to forums!

You will have to contact the local mobile home loan lenders and check out whether or not you can qualify for such a loan.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Does anyone know where a place is that would do a title loan for a moble home?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Kayla,

You will have to contact the local lenders and check out whether or not you can get qualified for a title loan for a mobile home.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I own a mobile home, title free and clear I paid 17,900.00. I need 3,000.00t to relocate , my credit score is poor.

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi shayshaytimmes!

Welcome to forums!

With a poor credit score, it will be very difficult for you to get qualified for a mortgage using a mobile home as collateral. You will have to improve your scores before taking out a loan.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have a 1989 mobil home could get a $1400.00 loan

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

need a $1,400.00 loan

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

Welcome to forums!

You should contact the local lenders and apply for the mobile home loan. It will be the lender's discretion whether or not he will consider giving you the loan.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I had to file [url=http://www.mortgagefit.com/bankruptcy/chapter13.html]chapter 13 bankruptcy[/url] in a messy divorce. Spent the last 3 years in Child Custody battle. I was awarded the house and property with a 1st and 2nd mortgage. They forclosed on what I thought was the house and acreage. I found the title to the 2002 manufatured home. It's in my name and no lien holder.
It's in Missouri. Is the Home mine? I paid cash for the home and forgot about it.

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Earnie!

Welcome to forums!

A query similar to yours has been answered in the given page: http://www.mortgagefit.com/Dealing-with-Mortgage-Problems/I-hold-title-t... . Please take a look at it. I hope it will help you.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

can i get a loan against my home really in desperate need and my credit it awful

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome CRYSTAL,

With an unacceptable credit, you won't be able qualify for any kind of loan. You will have to improve your credit before you can get a loan. You can take a look at the given page in order to take some steps to improve your score: http://www.mortgagefit.com/credit-rating/credit-repair.html .

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

thanks

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

You're welcome Guest... It's great to know that this forum was helpful to you!!

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my trailor is 1983 was wanting to get a 2,000 loan is thAT Possible and what are the steps to start the process

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi teresa!

Welcome to the forums!

It may be difficult for you to get a mortgage of such a small amount. Nevertheless, you can contact the local private lenders and apply for a mortgage with them. They may give you the loan but you may be charged a higher interest rate.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I own one acer with 2005 d/w moble home in Troy TX. Need a 2000 loan. I am a pipe welder waiting on panda power plant to start hiring. Its a two year job that will be hiring soon.

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Neal!

Welcome to the forums!

Unless you have a stable and permanent job, you may face difficulty in qualifying for a mortgage.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I'm trying to find places that would give me a loan on my mobile home in jacksonville, fl and i'm not having any luck. most are car loans and stuff like that. Even the yellow pages are not helping.I dont know what to do, can someone help me?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi christine!

Welcome to the forums!

Not all lenders offer [url=http://www.mortgagefit.com/mobile-homeloan.html]mobile home loans[/url]. You will have to speak to the specific lenders who offer mobile home loans. This community has a large number of lenders. You can seek a no obligation free mortgage quote from them and check out if they can help you.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Where can I get a loan on my free and clear land and permanent foundation double wide trailer

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Delia!

Welcome to the forums!

You can contact the local mobile home loan lenders and they will check your financial situation to let you know whether or not you can qualify for a loan on your permanent foundation double wide trailer.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have a clear title on my mobile home looking for $3000 loan

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